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Partner Liability Insurance

Protection against liability claims from guests and neighbours up to US$1,000,000 for every reservation

How am I protected?

US$1,000,000 coverage

Receive protection against liability claims from third-parties up to US$1,000,000 for every reservation.

Primary insurance

The programme is here to protect you if something goes wrong and will be the first to respond to a claim.

Global programme

Liability coverage from major insurance companies for your home-like properties around the world.

How does it work?

Automatic enrolment

All of your eligible home-like properties are enroled in the programme, after which your reservations will be covered.

No additional charges

There are no additional charges and your commission fees will not go up because of the programme.

Covered by insurers

Receive liability insurance coverage from global insurance companies to protect you against the unexpected.

What is covered under Partner Liability Insurance?

The programme protects you against third-party lawsuits or liability claims for bodily injury or property damage.

What is covered?

Below are some examples of incidents that are covered if they occur during your guest’s stay.

  • Bodily injury (e.g. if your guest breaks their arm slipping in the shower and holds you responsible.)
  • Third-party property damage (e.g. if your guest accidentally leaves a tap running and causes water damage to your neighbour’s apartment below)

What is not covered?

Below are some examples of incidents that are not covered if they occur during your guest’s stay.

  • Damage and/or harm caused by pets (e.g. your guest’s dog injures a neighbour)
  • Your own personal injury (e.g. you break your arm tripping over a step at the property)
  • Damage or injury from something done intentionally (not an accident)
  • Your own personal property (e.g. a guest breaks your TV or table)

Standard conditions and exclusions may apply. Please read the Policy Summary

Frequently asked questions

What is Partner Liability Insurance?

Partner Liability Insurance is a programme that protects you against third-party lawsuits or liability claims for bodily injury or property damage incurred during the dates of a reservation made through For example, if your guest slips in the bath and breaks their leg during their stay, this accident may be eligible for a claim.

How does the programme work?

The Partner Liability Insurance provides partners (both owners and property managers) with US$1,000,000 in primary liability coverage for all stays booked through our platform at no additional cost to you. This means that if you don’t already have a liability policy, this policy responds first if someone makes a claim against you. If you already have a liability policy for your property, then consider this to be additional coverage on top of what you have. This policy applies to all stayed nights booked through that occur on or after 1 October 2023. As long as you remain opted in to the coverage during the stay dates, the time at which the booking was made is irrelevant.

Is my property covered?

The Partner Liability Insurance is available for every stay booked through for home-like properties in most of the locations in which operates. See the Policy Summary (Appendix A) for a list of all countries covered by the Partner Liability Insurance programme. Zurich Plc retains the right to withdraw coverage and indemnity subject to regulatory requirements, such as changes and updates to sanctioned territories.

Is the coverage/policy provided by

No, is not the insurer. We have partnered with Zurich Insurance Plc, a major global insurance company to provide you with a liability insurance solution that protects you against the unexpected.

Does Partner Liability Insurance cover the partner or the guest?

The partner is the beneficiary of the Partner Liability Insurance Policy. It covers partners against third-party liability claims. Please keep in mind that it does not cover the partner’s personal liabilities such as your own personal bodily injuries (e.g. you break your arm tripping over a step at the property) or damage that the property owner or management company or employees or agents acting on their behalf may cause.

What if I already have a homeowners policy?

Your existing homeowners policy may not cover accidents during rental periods. Neither we nor Zurich Insurance Plc can advise you on the suitability or coverage provided by your homeowners policy. We ask that you check your existing policy and contact your homeowner insurance policy provider for confirmation of whether or not the rental of your property is covered. If you don’t need the property liability insurance provided by Zurich Plc, you can opt-out of the programme.

How do I make a claim?

All claims will be handled by the appointed claims administrator. If you have a claim, report it as soon as possible – please note that claims are not handled by

  1. Collect as much information as possible about the incident and/or injured third-parties which you can provide to the claims advisor

  2. Use the ‘make a claim’ button below to begin your claim and select the connected reservation

  3. Provide the claims administrator with full details of the incident, related documentation and names of parties injured or claiming damage

  4. The appointed claims administrator will acknowledge your submission within 48 hours

Make a claim