Cleaner’s Car Crash Becomes the Manager’s Problem
You might think you’re not liable for third-party vendors. But in the eyes of the law, if they’re connected to your business, you could be.
Vacation Rental Contractor Liability Insurance Claim Example
The Incident
A cleaner was driving to a property in an uninsured vehicle when they crashed into another vehicle, leaving the other driver seriously injured. The victim’s auto insurance carrier sued the vacation rental manager, arguing that, even though the cleaner was not a W-2 employee, the cleaner was working on behalf of the management business. Every state has different employment laws, and many are cracking down on the 1099 approach.
The Gap
One in seven U.S. drivers is uninsured. Standard policies for managers and co-hosts often don’t extend liability coverage to non-owned autos.
The Cost
Six-figure injury claim settlement
Legal fees to defend the case
Strained relationship with the cleaner and the property owner
How Wister Insurance® Coverage Helps
Wister’s policy provides $1,000,000 in non-owned auto liability, helping protect managers and co-hosts when lawsuits arise from third-party vendors driving on behalf of the business.
Takeaway
If you coordinate cleaners, maintenance, or vendors, their risks can quickly become yours when they're on the road. Wister helps keep you protected.
Note: One in seven (14%) of drivers in the U.S. are uninsured.
Learn how Wister protects vacation rental managers and co-hosts beyond the basics on our coverage page.
*While Wister cannot disclose details of actual lawsuits or settlements, the examples shared here reflect real claim scenarios and hypotheticals designed to illustrate the protection our policies provide.
