Host Liability Insurance Programme summary (2024)

About Host liability insurance

Host Protection Insurance is now Host liability insurance. Host liability insurance is a key component of AirCover for Hosts, which is top-to-bottom protection for Airbnb Hosts.

The Host liability insurance program (“HLI program”) insures Hosts, in certain countries, for their legal liability for bodily injury or property damage to guests or others resulting from an event that happens during a guest’s Airbnb Stay at the Host’s Accommodation, subject to the terms, conditions, and exclusions of the Host liability insurance policy. There is no cost to Hosts for them to be insured under the HLI program.

The HLI program does not insure Hosts for damage or loss to their own property or Accommodation. For damage to a Host’s property, learn about Airbnb’s Host damage protection program. Host damage protection isn’t an insurance policy.

Subject to the policy’s terms, insurance coverage under the HLI program provides Hosts with primary liability insurance while hosting guests. The Host has the option to make a claim first under the HLI program instead of their own insurance policy as long as the Host’s own insurance policy allows them to do so. Hosts or their insurance advisers should check the terms and conditions of their own insurance policy. For information about the claims process, please see the claims section of this document.

Disclaimer

This HLI program summary does not contain the full terms, conditions, and exclusions. In the United States, in certain instances, the HLI program is underwritten by a non-admitted insurer and may not be subject to your state’s insurance laws and regulations and is not protected by the insolvency guaranty fund. The insurance provided through the HLI program does not apply to Hosts who offer accommodations through Airbnb Travel, LLC or Hosts of Experiences.

Insurance providers and countries included

The HLI program currently extends to Hosts globally, except for jurisdictions subject to applicable sanctions laws. The HLI program does not apply to Hosts who offer accommodations through Airbnb Travel, LLC.

In the majority of jurisdictions, the HLI program provides insurance through a policy issued by Zurich Insurance Company Ltd., one of the world’s largest insurance providers. In some jurisdictions, where a locally issued policy is required by local laws or regulations, coverage may be provided by Zurich Insurance Company Ltd. partner company.

The HLI program provides insurance through policies issued by different insurance companies in the United States, Japan and China and is placed by Airbnb UK Services Limited in the United Kingdom, an appointed representative of Aon UK Limited as more fully set out as follows:

• In the United Kingdom, the HLI program has been arranged and concluded at no additional cost for the benefit of United Kingdom Hosts by Airbnb UK Services Limited, an appointed representative of Aon UK Limited, which is authorised and regulated by the Financial Conduct Authority. Aon’s FCA register number is 310451. You can check this by visiting the Financial Services Register or contacting the FCA on +44 (0) 800 111 6768. The Host Liability policy within AirCover for Hosts is regulated by the Financial Conduct Authority, the remaining products and services are not regulated products arranged by Airbnb UK Services Limited. FP AFF 460 LC.
• In the United States, coverage is provided under policies issued by Generali US Branch or Assicurazioni Generali Spa.
• In Japan, coverage is provided under a policy issued by Sompo Japan Nipponkoa Insurance Inc. Learn more about coverage in Japan.
• In China, coverage was provided under a policy issued by the People’s Insurance Company of China as part of the China Host Protection Plan. Learn more about coverage in China.
• Note that if your home is located in a country or territory where the Host Liability Insurance program is unable to provide direct insurance cover, you may still be able to benefit from the Host Liability Insurance program under indirect cover provided by an authorised insurer to Airbnb Ireland UC.

Note that different coverage limits and terms may apply depending on the jurisdiction.

Insurance policy period

The current term of the HLI program is effective to at least June 30, 2025.

Coverage eligibility

Hosts of Accommodations are covered under the HLI program. As described above, The HLI program covers Hosts for incidents that result in the Host’s legal liability resulting from a bodily injury or a property damage claim arising during a guest’s Airbnb Stay at the Host’s Airbnb Accommodation. The incident must also occur during the Airbnb Stay and the Stay arranged using Airbnb’s Platform.

1. Accommodation: Accommodation is a residential or other property location that is owned or controlled by a Host, listed on the Airbnb Platform, and booked by a third party using the Airbnb Platform who has consented to the Airbnb Terms of Service.
2. Airbnb Platform: Airbnb Platform refers to airbnb.com and luxuryretreats.com online platforms, and mobile applications associated with each.
3. Host: Host is a person or entity who has completed the Airbnb account registration process, including consenting to the Airbnb Terms of Service and lists their Accommodation on the Airbnb Platform. Host also includes a person providing Host-related services on behalf of the Host, including full or part time domestic staff, Co-hosts, family members, and roommates. Anyone otherwise living at the Accommodation is included as an additional insured to the extent of claims brought against the Host. The Host’s landlord, homeowners association or condo-owners association, or any other similar entity of which the Host is a member, is also an insured, but only with respect to liability arising out of the ownership, maintenance, or use of that part of the Host’s Accommodation and related common areas, during an Airbnb Stay, except for liability relating to structural alterations, new construction, or demolition operations performed on their behalf.
4. Airbnb Stay: An Airbnb Stay begins on the guest’s check-in date and ends on the checkout date from the Host’s Accommodation as shown in the Airbnb Platform. There must be an actual Airbnb Stay in order for the coverage to apply; canceled Airbnb Stays and no-show situations are not entitled to coverage.

Covered locations

Covered locations are Accommodations as described above.

Accommodations can include mobile homes, buses, air streams, watercrafts, tree houses, and other such unique locations that are parked and used as an Accommodation. Additionally, Accommodations include treehouses, yurts, and other such unique locations.

Liability limits

$1,000,000 USD is the total limit available per Airbnb Stay.

Coverages

The HLI program provides insurance that covers Hosts for their legal liability to a guest or third party for bodily injury or property damage due to an accident that occurs during a guest’s Airbnb Stay at the Host’s Accommodation. If the HLI program applies to the claim, the insurance includes coverage for claim investigation costs and expenses, as well as costs of defending a formal complaint such as a lawsuit.

Exclusions

The HLI program excludes from coverage:

• Aircraft, Auto, and Mobile Equipment: bodily injury or property damage connected in any way to aircraft, autos, and mobile equipment, except where these are listed on Airbnb and being used as Accommodations, or where the auto is used by the Host in connection with their Host-related services during a relevant Airbnb Stay, of which coverage is contingent.

  To be an Accommodation, the Aircraft, Auto, or Mobile equipment must be parked.

• Assault and Battery: any loss or expense caused by, arising out of, or resulting directly or indirectly, in any way from assault and/or battery of any person committed by or alleged to have been committed by the insured under the policy.

• Chinese Drywall: bodily injury or property damage arising from or connected in any way to drywall, plasterboard, sheetrock, gypsum board, or any materials used in the manufacture of drywall used in the construction of interior walls, that were manufactured in, originated from, or exported from China or incorporated any component parts or materials made in, originated from, or exported from China.

• Communicable Disease: any bodily injury, property damage, or other loss arising out of the actual or alleged transmission of a communicable disease.

• Contractual Liability: liability for bodily injury or property damage where the insured is obligated to pay damages they have assumed in a contract or agreement. This exclusion doesn’t include legal liability the insured would have without a contract or agreement or liability assumed by the insured in certain specific contracts delineated in the policy.

• Distribution of Material in Violation of Statutes: bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate any statute, ordinance, or regulation that prohibits or limits the sending, transmitting, communicating, or distributing of material or information.

• Electronic Data: damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.

• Employment Related Practices: bodily injury arising out of refusal to employ a person; termination of a person’s employment; or employment-related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person. This exclusion applies whether the injury-causing event occurs before employment, during employment, or after employment of that person, and whether the insured may be liable as an employer or in any other capacity.

• Expected or Intended Injury: bodily injury or property damage the insured intended to happen, or should have expected to happen. For example, if a Host were to deliberately destroy property of a guest, this coverage wouldn’t apply, even if the Host were legally responsible for that damage.

• Exterior Insulation and Insulation Systems: bodily injury or property damage related in any way to “exterior insulation and finish systems” or any part of them, including the application or use of conditioners, primers, accessories, flashings, coatings, caulking, or sealants in connection with such a system.

• Fungi or Bacteria: bodily injury or property damage arising from or connected to inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any fungi or bacteria on or within a building or structure, including its contents. This exclusion does not apply to any fungi or bacteria that are, are on, or are contained in a good or product intended for consumption.
• Loss of, or Damage to, Certain Property: property damage to property owned, rented, occupied or controlled by a host, where such host’s liability for the property damage is assumed in a contract for lease of premises.

• Nuclear Risks: any loss or damage resulting from the hazardous properties of nuclear material.

• Personal and Advertising Injury: losses, including consequential bodily injury that arise out of claims, such as:
  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor
  • Oral or written publication, in any manner, of material that slanders or libels a person or organization, or disparages a person’s or organization’s goods, products, or services
  • Oral or written publication, in any manner, of material that violates a person’s right of privacy
  • Use of another’s advertising idea in your advertisem*nt
  • Infringing upon another’s copyright, trade dress, or slogan in your advertisem*nt

• Pollution: bodily injury or property damage arising from the actual, alleged, or threatened discharge, dispersal, seepage, migration, release or escape of pollutants. There is an exception for bodily injury occurring within an Accommodation and caused by smoke, fumes, vapor, soot, or carbon monoxide. There is also an exception for bodily injury or property damage arising out of a fire that escapes its normal location (hostile fire).

• Punitive or Exemplary Damages: punitive or exemplary damages, fines, or penalties, except where such damages are insurable by law.

• Recording of Material or Information: damages related to bodily injury or property damage arising out of actual or alleged recording, printing, dissemination, disposal, collecting, sending, transmitting, communicating, or distribution of any material or information by a camera that is:
  1. Not previously disclosed by a Host in the Airbnb listing, including the specific location whether recording occurs during the reservation, or
  2. placed in or observing the interior area of the Accommodation or
  3. observing exterior areas of the Accommodation where there is a greater expectation of privacy, including but not limited to enclosed outdoor showers and saunas or
  4. concealed.

• Sexual Assault: any loss or expense caused by, arising out of, or resulting directly or indirectly, in any way from sexual abuse or molestation of any person committed by or alleged to have been committed by the insured.

• Silica, Silica Dust, Lead, and Asbestos: bodily injury or property damage arising from or connected in any way to asbestos, lead, silica, or silica dust.

• Watercraft: bodily injury or property damage connected in any way to watercraft, with a few exceptions, including Watercraft listed on Airbnb and while being used as Accommodation and is docked or on a mooring.

• War: bodily injury or property damage arising, directly, or indirectly, out of:
  • War, including undeclared or civil war
  • Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign, or other authority using military personnel or other agents
  • Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.

• Workers Compensation: any obligation of the insured under a workers’ compensation, disability benefits, or unemployment compensation law or any similar law.
• Employer’s Liability: bodily injury to any employees of the insured (or certain immediate family members) arising out of their employment by the insured or performing duties related to the conduct of the insured’s business, whether the insured may be liable as an employer or in any other capacity.
• This list of exclusions is not exhaustive.

Claims

Please inform Airbnb immediately by submitting the liability insurance intake form if you become aware of any bodily injury or property damage that may be a subject to coverage under the HLI program. After the intake form is completed, a third-party claims adjuster appointed by the insurer will get in touch with you to discuss the claim and gather information. The adjuster will then handle the claim in accordance with the terms of the HLI program, and applicable laws and regulations in the applicable jurisdiction.

Questions

Please visit this site if you have questions regarding the coverage made available under this program.

Complaints

In the United Kingdom, if you or another insured under the policy wishes to raise a complaint, you can do so by contacting the address below, and a member of the team will ensure that your complaint is referred to an appropriate person:

• Aon UK Limited, Central Complaints Team
• Briarcliff House, Kingsmead, Farnborough, GU14 7TE
• By phone: Telephone 01252 768662
• By email: [email protected]

Copies of our complaint handling procedures are available on request.

If your complaint is not resolved , you may be entitled to refer it to the Financial Ombudsman Service. Visit this site for further details or contact them at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, telephone 0800 023 4567.

If you are based in the European Union, you can register your complaint on the Online Dispute Resolution (ODR) Platform here.