What’s Included?
Coverages In Your Wister Insurance® Policy
Commercial General Liability
-
CGL is the cornerstone of protection for managers and co-hosts. It covers claims of bodily injury or property damage you’re legally responsible for because of your business. Includes $1,000,000 per occurrence with Wister.
-
Slip-and-fall, guest injuries, or wrongful death lawsuit.
Extends to the properties you manage.
Broadest liability protection available.
Professional Liability (E&O)
-
Also called errors & omissions (E&O) - professional liability protects against claims of negligence, mistakes, or failure to deliver professional services.
-
Example: mismanaged bookings, poor screening, or admin errors that cause a financial loss.
Covers defense costs, settlements, and damages.
Wister includes $1,000,000 per occurrence.
Contingent Liability
-
Fills the gap between CGL and E&O for bodily injury or property damage that occurs indirectly due to your advice or actions—when you weren’t directly involved.
-
You give recommendations to owners/guests and can still be named in a suit.
Wister includes $1,000,000 per occurrence for contingent BI/PD.
Personal & Advertising Injury
-
Covers claims tied to defamation, copyright infringement, privacy violations, and wrongful eviction.
-
Reviews or statements that spark libel/slander claims.
Accidental use of copyrighted images/content in marketing.
Alleged invasion of privacy.
Claims of improper removal of a guest/tenant.
Helps with legal defense and damages.
Diminished Property Value
-
Protects against owner claims that your management reduced a property’s value (e.g., poor maintenance, neglected repairs, weak screening, disputes, weak marketing, or compliance failures). Wister includes $1,000,000 per occurrence.
-
Defends your business from high-dollar allegations tied to management quality.
Preserves relationships and reputation.
Guest Discrimination
-
Protects against lawsuits alleging discrimination based on protected classes (race, gender, disability, religion, etc.).
-
Covers legal defense, settlements, and damages.
Supports Fair Housing compliance at federal, state, and local levels.
Shields your brand—even for unintentional violations.
Squatters Defense (Optional)
-
Coverage for legal expenses if someone overstays or refuses to leave your property, claiming tenant rights.
-
Legal action to remove unauthorized occupants.
Helps cover attorney’s fees and court costs.
Addresses claims of tenant rights.
Protects you from costly delays regaining property.
Commercial Property
-
Insurance that covers the physical structures and contents of your business—like offices, rental units, furnishings, and equipment—against risks like fire, theft, and storm damage.
-
Fire, theft, or vandalism damages your office or furnishings.
Coverage for business-owned equipment.
Storm or water damage repair.
Keeps your business running after property loss.
Liquor Liability
-
Coverage if a guest causes harm or property damage after being served alcohol at your rental or event.
-
Covers legal defense, settlements, and damages.
Supports Fair Housing compliance at federal, state, and local levels.
Shields your brand—even for unintentional violations.
Commercial Cyber
-
Coverage for expenses related to cyberattacks, data breaches, or stolen information.
-
Guest payment info or personal data hacked.
Covers costs of notifying affected guests.
Helps with recovery and restoration of systems.
Protection against lawsuits for negligence in data handling.
Crime & Fidelity
-
Coverage that protects your business against losses caused by theft, fraud, or dishonesty—whether by outsiders or your own employees/contractors.
-
Employee theft or embezzlement.
Guest or third-party fraud.
Coverage for stolen funds or property.
Protects against dishonesty inside and outside your business.
Animal/Pet Liability
-
Coverage that protects your business if a guest’s animal or pet causes bodily injury.
-
Dog bites are common in America, with over $1 billion in settlements annually.
You’re pulled into a claim—even if you didn’t own the pet or allow pets.
Non-Owned Auto
-
Covers liability if you or your employees/vendors use personal vehicles for business purposes and an accident occurs while performing work-related tasks.
-
Personal auto policies often exclude business use.
Protects you from lawsuits tied to employee or contractor driving.
Common exposure for managers overseeing multiple locations.
Legal Defense Costs
-
Covers attorney fees, court costs, and other legal expenses associated with covered claims—even if the claim is groundless or dismissed.
-
Legal fees can exceed the cost of the claim itself.
Ensures you have resources to defend your business properly.
Included across multiple coverages but critical to highlight.
Bells & Whistles
-
A bundle of specialty protections you won’t find in most standard business insurance policies—coverages designed specifically for vacation rental managers and cohosts.
-
Unique coverages tailored for vacation rentals.
Protects against risks standard policies ignore.
Includes options like squatter’s defense and diminished value.
Ensures true host-specific protection.