Coverages In Your Wister 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.

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.

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 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.

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.

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.

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.

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.

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.

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.

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.

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.

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Save More When Property Owners Carry Coverage

When your property owners already have Commercial General Liability (CGL) insurance, it reduces overall risk — which helps lower your own liability premium with Wister. Many owners already carry CGL coverage or are willing to add it when recommended.

Work with your Wister agent to qualify for up to 75% off your Commercial General Liability premium.