FAQs

Yes. Operating a vacation rental management or co-hosting business necessitates a comprehensive insurance strategy. At its core, every firm requires a Commercial Package Policy (CPP) to secure essential protections, specifically Commercial General Liability (CGL) and Professional Liability (Errors & Omissions).

The total scope of coverage scales with your business operations. For instance, firms with W-2 staff must carry Workers’ Compensation, while those operating business-titled vehicles require a Commercial Auto policy.

From a "Tort Law" and insurance perspective, Airbnb co-hosts and professional property managers are viewed identically.

Both entities perform nearly indistinguishable functions for property owners—including marketing, guest communication, cleaning, and maintenance—typically for similar fee structures. Because their operational roles are the same, they share the same legal liabilities and insurance coverage requirements.

Personal injury litigation in the short-term rental industry is rising, with property managers and co-hosts increasingly targeted alongside owners. Under hospitality law, managers are held to the same "duty of care" as major hotel chains like Hilton or Marriott to maintain safe premises.

To mitigate this risk, it is essential for managers and co-hosts to carry an independent commercial general liability policy with a minimum limit of $1,000,000. The Wister policy is specifically designed to meet this need, providing comprehensive coverage across all managed or co-hosted properties.

No, Airbnb’s Aircover does not include professional liability (errors & omissions), and as of March 1st, 2025, the $1,000,000 of commercial general liability (CGL) protection via the Host Liability Program is being limited in scope to any manager or co-host with 6 or more active listings on Airbnb.

Vacation rental management and co-hosting are professional service industries where operational oversights—or "errors"—can lead to significant liability. When disputes arise, property owners frequently hold the manager accountable for both minor and catastrophic failures.

Whether the issue is diminished property value due to deferred maintenance or a major flood caused by an uninsured subcontractor, legal and financial responsibility ultimately rests with the manager or co-host.

Our pricing model for vacation rental management insurance is designed to be as efficient as your operations. Wister calculates premiums based on the number of properties currently under your management, providing a simple, scalable solution that grows alongside your portfolio.

Wister is backed by Lloyd’s of London, which carries an AM Best "A+" (Superior) rating. This ensures that when you secure your vacation rental management insurance through us, your claims are supported by the unmatched financial strength and global stability of the world's leading insurance marketplace.