How does Host Insurance work?

The $2,000,000 Host Insurance program protects hosts and landlords as additional insured with liability coverage for up to $2,000,000 CAD per occurrence in the event of a third-party claim of bodily injury or property damage related to a thisopenspace booking. The coverage is automatic and included with every booking that adheres to our Terms of Use.

This coverage is subject to a $2,000,000 CAD cap per listing location, and certain conditions, limitations, and exclusions may apply. The program is available in Canada and the United States. 

The Host Insurance program will only protect hosts and landlords as additional insured for incidents related to a thisopenspace booking. The program expands on the coverage provided to hosts and landlords under their existing business or commercial liability insurance and should not be considered a replacement or stand-in for insurance carried by a host.

What's covered

  • Property Damage: Damage to or loss of a guest's property for which a host may be legally liable.
  • Bodily Injury: Injuries to a guest for which a host may be legally liable.
  • Medical Payments: Payments to cover medical expenses incurred by the injured parties.
  • Legal Defense: Costs a host may incur in legal expenses as a result of any of the above claims made against the

Examples of coverage

Here are some examples of what the Host Insurance program should cover:

  • A guest breaks their wrist after slipping on the floor and brings a claim for the injury against the host.
  • A guest is walking up the stairs of the property. The stairs break and the guest is injured when they fall. They bring a claim for the injury against the host and the landlord.

Some examples of what the Host Insurance program doesn’t cover:

  • Intentional acts where liability isn’t the result of an accident.
  • Accusations of slander or defamation of character.
  • Property issues (e.g. mold, asbestos, pollution).

Find out more about Host Insurance.

How to make a Host Insurance claim

To make a claim under the Host Insurance program please email us.

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