SafeStay coverages

Two coverages, one partner for short-term rental risk

SafeStay brings together Management Coverage (protection for your property management business) and Nightly Coverage (per-stay protection for the owner and manager during guest stays). Buy either, or bundle both.

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Two products, one partner Covers the manager and the stay Built by insurance people, not a marketplace

Built for short-term rental professionals

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

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

Full terms, limits and eligibility are shared by a SafeStay specialist. Coverage descriptions on this page are general and are not an offer of insurance.

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.

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.

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.

See your options

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

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 get started?

Tell us about your business using the form below and a SafeStay specialist will follow up. Availability varies by state, and online checkout is coming soon.

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Tell us about your business

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