SafeStay: Coverage for Short-Term Rental Managers & Owners (Prototype)

Why it matters

Real protection for the moments that actually happen

A guest trashes the place. Someone gets hurt mid-stay. An owner blames your team for a loss. These are the moments coverage is for, and SafeStay is built for them.

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A guest checks out and the home's a wreck: broken furniture, damaged floors. That's SafeStay Nightly Coverage.

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Someone slips by the pool and is hurt during a stay. That's SafeStay Nightly Coverage.

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An owner says your management cost them money. That's SafeStay Management Coverage (E&O).

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A complaint turns into a lawsuit and the legal bills climb. SafeStay Management Coverage pays defense on top of your limits.

A bright, welcoming short-term rental living room

Our coverage

Pick the protection you're exploring

SafeStay Management Coverage and SafeStay Nightly Coverage solve two different problems. Switch between them to see what each covers, then compare side by side below.

SafeStay Management Coverage · who it protects

Coverage for you, the property manager. Managing short-term rentals is a professional service, and when something goes wrong, owners and guests look to you. SafeStay Management Coverage protects your business against that liability, year-round.

Core liability

Commercial General Liability
$1M per occurrence · $2M aggregate+

Bodily injury and property-damage claims your business could be legally liable for, including products & completed operations. Damage to premises rented to you up to $300K. $0 deductible. Option to increase to $2M / $3M.

Professional Liability (E&O)
$1M per claim · $2M aggregate+

Negligence, mismanagement, mistakes, or failure to deliver services. Written claims-made. $0 deductible.

Legal Defense Costs
Outside limits+

Attorney fees and court costs for covered claims, even if groundless. Unlimited on general liability; $1M on E&O, paid on top of your limits, not deducted from them.

Included liability enhancements

Personal & Advertising Injury
$1M occ · $2M agg+

Libel, slander, invasion of privacy, and similar claims from marketing or guest interactions.

Diminished Property Value
Included+

Owner claims that poor or deferred management caused a loss in property value.

Tenant & Guest Discrimination
Included+

Discrimination claims based on protected classes: race, gender, disability, religion, and more.

Animal & Pet Liability
Included+

Bodily injury from a guest's animal or pet, on or off premises, with no breed exclusions.

Bed Bug & Flea Liability
Included+

Bodily-injury and property-damage claims arising from bed bugs or fleas.

Assault & Battery
Included+

Claims arising from assault and battery, including sexual molestation, on or off premises.

Pools, Hot Tubs & Water
Included+

Liability arising from pools, hot tubs, and other bodies of water at your properties.

Liquor Liability
Included+

Bodily injury or property damage from serving or furnishing alcohol (where no license is required).

Hired & Non-Owned Auto
Included+

Liability when employees or vendors use non-company vehicles for business tasks.

Amenities & Golf Cart
Included+

Liability arising from on-site amenities and golf-cart use.

Property, crime & specialty

Commercial Property
BPP $10K · Extra Expense $50K+

Replacement-cost coverage for business personal property and extra expense. $1,000 deductible. Building coverage optional.

Crime & Fidelity
$25,000+

Employee theft, forgery & alteration, and theft of money & securities. $500 deductible.

Squatters Defense
$5,000 / incident+

Eviction costs to remove a squatter who refuses to leave a managed property.

Contingent Liability
Included+

Indirect bodily-injury or property-damage claims that trace back to your professional advice or actions.

SafeStay Nightly Coverage · who it protects

Per-stay protection for both the property manager and the owner. When a guest damages the home or its contents, or is injured during their stay, SafeStay Nightly Coverage responds for that reservation. It protects the property and the stay, not your company.

The home & its contents

Damage to the home
Up to $1,000,000 / stay+

Accidental or malicious damage a guest causes to the property during a stay. This covers the guest-caused loss a standard homeowners policy excludes because the home is being rented out.

Contents & furnishings, incl. theft
Up to $25,000 / stay+

The owner's furniture, appliances, and belongings kept in the home, including theft tied to a guest stay.

Guests & liability

Guest injury & liability
Up to $1,000,000 / stay+

Bodily injury to a guest, or damage to a guest's belongings, during a stay when management is legally responsible.

Guest medical payments
$1,000 / person · $5,000 / incident+

Covers a guest's medical costs from an injury during a stay regardless of fault. A fast, no-fault option that sits within your liability protection.

Specialty protections

Bed bug remediation
Up to $10,000+

Treatment and remediation costs from a guest-related bed bug infestation.

Smoking damage & deep cleaning
Up to $10,000+

Damage and excess cleaning required after guest smoking during a stay.

A $3,000 deductible applies per claim; guest medical payments have no deductible. Coverage descriptions are summaries; the actual policy or agreement governs.

Side by side

SafeStay Management Coverage vs. SafeStay Nightly Coverage

They cover different things, with only a small overlap. Most operators benefit from both. Here's why.

	SafeStay Management Coverage For the manager	SafeStay Nightly Coverage For the stay
Who it protects	The property manager / your management business	The property manager and the property owner
What it protects against	Claims against your business: bodily injury & property damage (CGL), professional mistakes (E&O), plus enhancements	Guest-induced damage to the home & its contents, and liability if a guest is hurt during a stay
Coverage type	Commercial general liability + professional liability (E&O) + enhancements	Per-stay damage protection + guest liability
Term / trigger	Annual policy: responds to your management operations	Per stay: responds to something that happens during a specific reservation
Examples	Owner sues over diminished value; guest injury tied to your management; discrimination claim	Guest trashes the unit; furnishings damaged; a guest slips and is injured mid-stay
Think of it as	Protecting your company	Protecting the property & the stay

Bundle & save

Better together: SafeStay Management Coverage + SafeStay Nightly Coverage

Carry both and you get complete coverage: your business and every stay, without paying for the same thing twice.

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No double coverage

SafeStay Management Coverage and SafeStay Nightly Coverage share a small slice of general-liability protection. Bundle them and we carve out the overlap, so you're never paying for duplicate coverage.

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Bundle discount

When you carry both products together, you qualify for a bundled discount, a better rate than buying each on its own. Ask us about bundle pricing.

Bundling is optional: buy either product on its own anytime. Pricing shared on request.

Ask about bundling

How it works

Getting covered is simple

Today it's personal: tell us about your business and a specialist takes it from there. Online quoting is coming soon.

1

Tell us about your portfolio

Share a few details about the homes you manage and the coverage you're after. It only takes a couple of minutes.

2

See your options

We put together the right mix (SafeStay Management Coverage, SafeStay Nightly Coverage, or both bundled) with clear coverage and no obligation.

3

A specialist gets you covered

A SafeStay specialist confirms the details, answers your questions, and sets up your coverage.

FAQ

Common questions

What's the difference between SafeStay Management Coverage and SafeStay Nightly Coverage?

SafeStay Management Coverage protects your management business: commercial general liability, professional liability (E&O), and specialty enhancements, on an annual policy. SafeStay Nightly Coverage provides property and liability protection during guest stays, per stay, covering guest-caused damage to the home and its contents and your liability if a guest is hurt. One covers your company; the other covers the stay.

Do I need both, and why?

They cover different risks with only a small overlap. SafeStay Management Coverage handles your professional and business liability year-round; SafeStay Nightly Coverage handles per-stay guest damage and guest injury for the homes you manage. Owners and platforms leave gaps in both areas, and together the two products close them. Bundle both and we remove the overlap and apply a discount.

Who is protected under SafeStay Nightly Coverage, me or the owner?

Both. SafeStay Nightly Coverage is designed to protect the property manager and the property owner against guest-induced damage and guest-injury liability arising from a stay.

Why is errors & omissions (E&O) so important?

Management is a professional service. When something goes wrong, owners hold the manager accountable: from diminished property value to a flood caused by a subcontractor. E&O (part of SafeStay Management Coverage) covers that exposure; general liability alone does not.

Doesn't Airbnb's AirCover already protect my business?

No. AirCover doesn't include professional liability (E&O), limits commercial general liability for managers with 6+ active listings, and doesn't follow you beyond Airbnb to Vrbo, Booking.com, or direct bookings.

How do I buy a policy?

Right now, request a quote and our team sets you up directly: fast, personal, and tailored to your portfolio. Online checkout is coming soon.

Two coverages, one partner for short-term rental risk

Commercial coverage for the manager

Property and liability protection during guest stays