Frequently asked questions

Partner Liability Insurance is a program 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 $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, 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 Jan 1 2026. As long as you remain opted in to the coverage during the stay dates, the time at which the booking was made is irrelevant.

If you don’t have liability insurance for your home-like property, this program will work alongside your current provider in the event that your primary policy responds first. You will be given up to $1,000,000 in protection for all stays booked through the Booking.com platform.

No, Booking.com is not the insurer. We’ve 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.

Your eligible properties are automatically enrolled at no cost. All of your Booking.com stays will be covered unless you explicitly opt out of the program.

No, there are no additional charges and your commission fees will not go up because of the program.

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. Check your existing policy and contact your homeowner insurance policy provider to confirm 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 program.

Your property is covered as soon as it is listed on Booking.com. All Booking.com stays taking place after Jan 1 2026 will be covered, regardless of when the reservation was made.

If you no longer want to be in the Partner Liability Insurance program, you can opt out at any time. To do so, visit the “General info” page under the Extranet’s “Property” tab and click the opt out button. You are free to opt in again at any time on the same page.

No, the Partner Liability Insurance provides protection only for bookings made via the Booking.com platform.

Full details of the terms and conditions of the Partner Liability Insurance policy can be obtained via Marsh. Inquire at the following email address: BookingPolicySummary@marsh.com.

The following property types are considered home-like property types: Aparthotel, Apartment, Bed and Breakfast, Camping, Country House, Chalet, Condo, Cottage, Farm Stay, Gite, Guest House, Vacation Home, Vacation Park, Homestay, Riad, Ryokan, Stationary Houseboat, Tented Camp, Villa.

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

The Partner Liability Insurance program commences on Jan 1 2026 and ends on Dec 31 2026, and provides coverage for reservations made on Booking.com for stays that occur on or after Jan 1 2026. If your guest’s booking was made before the start date, but the stay date falls within this time frame, the stay is still covered.

Yes, as long as your property is eligible for the program and the reservation is made on Booking.com, it will be covered.

The policy summary can be viewed here.

This may be covered by the Partner Liability Insurance program, as long as it is a Booking.com reservation. For further information, contact Zurich Insurance Company Ltd.

The partner is the beneficiary of the Partner Liability Insurance Policy. It covers partners against third-party liability claims. Remember, 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.

This may be covered by the Partner Liability Insurance program, as long as it is a Booking.com reservation. For further information, contact Zurich Insurance Company Ltd.

Yes, all Booking.com reservations after Jan 1 2026 are covered for stays during the coverage period of the program.

No, the Partner Liability Insurance provides protection only for bookings made via the Booking.com platform.

No, the coverage is on a third-party liability basis. It indemnifies the partner toward the third parties. Check the policy summary for further details of this coverage.

No, the Partner Liability Insurance doesn’t cover damage to the partner’s own property and/or contents

Translated versions of the Policy Summary are available in any one of the 43 languages supported on our platform.

In case of a liability claim related to a reservation made through Booking.com, you can submit your claim through the form. Any claims submitted will be handled by Zurich Insurance Company Ltd, not Booking.com.

A representative from the global claims administration provider, Crawford, will ask you for all the necessary information during your claim submission. Note: you may be asked to provide proof and documentation about the claim.

You’ll receive a confirmation receipt from Crawford within 48 hours of your claim being submitted. After you provide the information requested by the claims administrator, they’ll evaluate your claim and make a decision on whether to accept it, or they may require further information from you before they can determine the outcome of the same. The Claims Administrator will communicate with you via email.

Claims can be submitted in any of their supported languages: Afrikaans, Arabic, Bulgarian, Cantonese, Croatian, Danish, Dutch, English, Finnish, Flemish, French, German, Georgian, Greek, Hebrew, Hindi, Icelandic, isiZulu, Italian, Japanese, Malay, Malayalam, Mandarin, Ndebele, Norwegian, Polish, Portuguese, Putonghua, Romanian, Russian, Serbian, Sotho, Spanish, Swati, Swedish, Tamil, Telugu, Thai, Tsonga, Tswana, Turkish, Ukrainian, Venda, Xhosa.

Crawford will provide you with a written explanation as to why a claim was rejected. If you disagree, a complaints procedure can be followed. Details of this complaints procedure can be found in the Complaints section of the policy summary.

Once you submit your claim, reach out to Crawford at Booking.comHelp@crawford.com for an update about the status of your claim. Don't send any claims-related information to Crawford by email.

Booking.com can't provide you with advice or recommendations regarding the Liability Insurance Policy, claims, or complaints matters. Contact Crawford by email at Booking.comHelp@crawford.com. Their supported languages are Afrikaans, Arabic, Bulgarian, Cantonese, Croatian, Danish, Dutch, English, Finnish, Flemish, French, German, Georgian, Greek, Hebrew, Hindi, Icelandic, isiZulu, Italian, Japanese, Malay, Malayalam, Mandarin, Ndebele, Norwegian, Polish, Portuguese, Putonghua, Romanian, Russian, Serbian, Sotho, Spanish, Swati, Swedish, Tamil, Telugu, Thai, Tsonga, Tswana, Turkish, Ukrainian, Venda, and Xhosa.