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 Booking.com. For example, if your guest slips in the bath and breaks their leg during their stay, this accident may be eligible for a claim.

The Partner Liability Insurance provides Booking.com 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 Booking.com 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.

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

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

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.

Your existing homeowners policy may not cover accidents during rental periods. Neither we nor Zurich Insurance Company Ltd 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 Insurance Company Ltd, you can opt-out of the programme.