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Business Insurance for Airbnb

Want to make sure your Airbnb makes you money instead of losing it? Get the right insurance from Insurance Genie.

Get real quotes from top business insurance providers.

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Compare rates from Canada's leading business insurance providers.

How Can Insurance Genie Help You Safeguard Your Investment?

Imagine the perfect scenario: happy guests raving about their stay, your rental income flowing smoothly, and you feeling confident knowing your investment is protected. That's the power of having the right Airbnb insurance in place.
We understand that as an Airbnb host, you pour your heart into creating a welcoming space for travelers. But what happens if something unexpected disrupts your dream?  An accidental fire, a guest injury, or even a weather-related mishap can leave you facing financial burdens.
Don't let hosting worries get in the way of your success! Insurance Genie is here to help. We're Canadian insurance experts passionate about protecting fellow Canadians who've opened their doors to the world through Airbnb.
Ready to safeguard your investment and achieve hosting peace of mind? Get a free quote today and discover how Insurance Genie can tailor an Airbnb insurance policy that fits your unique needs.

What Insurance Options Do You Have?

According to sources, Over the past two years, Airbnb's presence in Canada has exploded! The number of hosts, listings, and revenue have nearly doubled, with approximately 70,000 hosts offering over 100,500 properties and generating half a billion dollars in revenue. That’s why everyone wants to have an Airbnb. That’s why you got one. Now it's time to make sure you have the coverage to match. Short-term rentals require a different kind of protection than traditional homeowners' insurance. Here's what you need to know:

Commercial General Liability (CGL): Imagine a guest tripping and getting injured on your property... This is where CGL can be your safety net, potentially covering medical expenses and legal fees if you're facing a lawsuit.

Commercial Property Insurance: Fires, vandalism, natural disasters – these are just a few threats to your Airbnb property. This special insurance protects your physical home and its contents, giving you the support to rebuild or replace if necessary.

Rental Income: Losing bookings due to an insured event can be a major headache. Rental income protection helps offset these losses, ensuring you can bounce back quickly.

Loss Assessment Coverage (For Condos): When it comes to condo living, you're part of a community. Loss assessment coverage safeguards you financially if an accident in a shared space leads to a claim that exceeds your condo association's insurance.

Cyber Liability Insurance: Today's world means being online. Protect yourself from the fallout of cyberattacks and data breaches with coverage designed to help with notification costs, legal fees, and more.

Let Insurance Genie be your guide in navigating the world of Airbnb-specific insurance. We'll customize your coverage so that you can focus on welcoming amazing guests!

Airbnb Insurance Expertise + Hassle-Free Support = Your Ultimate Hosting Advantage

We get it. Insurance can be confusing. But when it comes to protecting your Airbnb investment, you don't want to leave anything to chance. That's where Insurance Genie makes a difference! Here's why hosts choose us:

Airbnb Experts: We're not just insurance agents – we specialize in understanding the unique risks you face as an Airbnb host. We speak your language!

Personalized Coverage: Say goodbye to cookie-cutter policies. We'll tailor an insurance plan specifically for your property, rental type, and the way you operate.

Best Rates, Top Providers: We shop around, comparing leading insurance companies so you secure the most competitive rates and comprehensive coverage.

Stress-Free Process: From getting your fast, free quote to handling claims (if they ever arise), we're here to make insurance a breeze.

Focus on creating incredible guest experiences – let Insurance Genie take care of the 'what-ifs' behind the scenes.

Get Your Free Quote Today – Discover the Difference!

Airbnb Offers a Base Level of Protection... But Is It Enough?

Airbnb cares about its hosts! They provide Host Protection Insurance and the Host Guarantee, offering some valuable coverage. Let's break it down:

Host Protection Insurance: This focuses on liability. If a guest gets hurt during their stay or causes damage to others on the property, this insurance may cover medical expenses, legal costs, and any associated settlements.

Host Guarantee: Think of this as insurance for your stuff. If a guest accidentally damages your property or belongings, the Host Guarantee might help cover repair or replacement costs.

Important Note: Much like any insurance, there are limits, exclusions, and conditions to Airbnb's coverage. That's why it's crucial to ask yourself:  "Could I handle paying for damages that exceed Airbnb's limits, or if a claim is denied?"

This is where Insurance Genie fills the gap! Think of our policies as amplifying your protection, giving you the safety net many hosts need for true peace of mind.

Is Your Homeowners Insurance Falling Short? Hosting Turns Your Home into a Business

You've put time and care into making your home cozy and inviting. Yet, the moment you start welcoming Airbnb guests, you're not just a homeowner – you're a business owner! This exciting shift comes with a change in how typical insurance providers might view your property.

Here's the thing:

Limited Coverage: Your standard homeowners insurance is designed for personal use, not the wear and tear from short-term renters. Claims related to Airbnb activities might be excluded.

Risk of Cancellation:  Some insurers may even cancel your policy entirely if you start hosting without notifying them. That could leave you with no protection at all!

The Bottom Line: You've worked hard to make your Airbnb a success. Secure the protection it deserves!

Don't gamble with your biggest investment. Insurance Genie helps you avoid these headaches with Airbnb-specific policies designed for the way you host.

When Things Go Wrong: How Airbnb Insurance Could Save the Day

Accidents happen, even with the best of intentions.  Here's a peek at how Airbnb insurance can turn potential disasters into manageable situations:

Scenario 1: The Accidental Fire

The Problem: A guest leaves a stove on, and a kitchen fire causes extensive smoke and structural damage. Your rental is temporarily uninhabitable, leading to lost bookings.

The Outcome: Your commercial property insurance would cover repairs. Plus, rental income insurance can help you recover those lost earnings.

Scenario 2: Surprise Condo Lawsuit

The Problem: Someone gets injured in a common area of your condo building. The settlement exceeds your association's insurance, and you're required to pay the difference.

The Outcome: Loss assessment coverage might step in to help cover your portion, safeguarding your finances.

Scenario 3: The Unexpected Guest Injury

The Problem: A guest trips on a loose rug and breaks their arm. They decide to file a lawsuit against you for medical bills and compensation.

The Outcome: Commercial general liability could help with legal expenses and any potential settlement costs.

Scenario 4: Breaking the Law

The Problem: Unknowingly renting outside of local bylaws or breaking your homeowners association rules could result in fines and potential legal trouble.

Important Disclaimer: These are hypothetical situations.  Insurance coverage will vary based on your specific policy terms and the details of the incident.

The good news? Insurance Genie is here to help you manage these risks!  The right Airbnb insurance can not only provide financial protection but also guidance on how to operate responsibly within the regulations of your area.

It's Not Just Airbnb: Protect Your Investment on Any Platform

Airbnb has undoubtedly made its mark on the short-term rental industry, but it's not the only player in the game!  If you're diversifying your hosting across multiple platforms, it's essential to remember that many of them have similar expectations when it comes to insurance protection.

Here are some popular home-sharing services where Insurance Genie can likely help you secure coverage:

VRBO: A well-established platform with a focus on vacation homes and unique properties.

Flipkey:  Known for offering a wide variety of rentals, from cozy apartments to luxury villas.

Homestay:  Connects travellers with local hosts who offer a more immersive cultural experience.

Why is this important?  Having the right insurance for your chosen platform not only safeguards your property but can also be a requirement for listing your rental.

And More!  The short-term rental market is ever-evolving.  Chances are, if you're exploring a new platform, Insurance Genie can help.

Your Airbnb Insurance Wish Has Been Granted! Meet Insurance Genie

Tired of confusing insurance jargon and impersonal online quotes for your Airbnb rental? At Insurance Genie, we believe protecting your hosting success should be simple! We specialize in tailoring Airbnb insurance solutions that are budget-friendly and give you the exact coverage you need. Our team of expert "underwriting wizards" guarantees competitive rates and hassle-free support – no more worrying if your policy has gaps. Think of us as your secret weapon for worry-free hosting!

Why Choose Insurance Genie?

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Dedicated Support

We provide exceptional customer service and support to help Airbnb hosts navigate the complexities of insurance coverage.

tailored insurance solutions for commercial offices

Comprehensive Coverage

This coverage typically includes protection against property damage, liability claims, and loss of income due to covered events like guest damage or cancellations.

Unparalleled customer service for office insurance

Customizable Policies

We understand that every Airbnb host's needs are unique. That's why we offer customizable insurance policies that can be tailored to fit the specific requirements of individual hosts.

Save BIG!

See how HomeGenie saves you money on home insurance.
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Secure Your Investment with Insurance Genie: Call Us TODAY!

You didn't become an Airbnb host to worry about "what ifs." You opened your doors to share your space, create memorable experiences, and build a side income that supports your dreams.
Let Insurance Genie be your magic carpet!  We'll handle the nitty-gritty insurance details so you can focus on being the exceptional host we know you are.  Ready to protect your investment and host with complete peace of mind?
Get your personalized Airbnb insurance quote today – it's free, fast, and could be the smartest hosting decision you'll ever make!

Frequently Asked Questions

How much does short-term rental insurance in Canada cost?

The cost of your Airbnb insurance depends on several factors, including your location, property value, the types of coverage you choose, and your rental frequency. The best way to get an accurate estimate is to contact Insurance Genie for a personalized quote.

What's the difference between Airbnb insurance and my homeowners policy?

Traditional homeowners insurance is designed for personal residences. When you start hosting short-term rentals, it's like running a small business, which can change how your insurer views the property. Airbnb-specific insurance fills in the gaps for those unique hosting risks.

What factors will affect my insurance premiums?

Here are some factors that can influence your premium:

  • Location (urban vs. rural)
  • Property type (house, condo, apartment)
  • Value of your home and belongings
  • Rental frequency (occasional vs. full-time hosting)
  • Coverage options you select

How do I file a claim with my Airbnb insurance?

Reach out to Insurance Genie immediately! We'll guide you through the claims process, explain your policy details, and advocate for you with the insurance company.

Do you offer insurance for platforms other than Airbnb?

Yes! We can help secure coverage for popular platforms like VRBO, Flipkey, Homestay, and more. Contact us to discuss your specific needs.

Get Insurance Genie working for you!

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Learn more about CGL Insurance

CGL provides coverage for bodily injury or property damage caused by products you sell, services you offer or locations from which you operate. The insurance coverage provided within a CGL policy includes Employers Liability, Employee Benefits Liability, Tenant's Legal Liability, Products Liability, Personal Injury, Advertising Injury, Completed Operations, and Non-owned Automobile.

We suggest you have at least $2M as your liability limit
Learn more about what's included:
  • Employers Liability: Most employees are covered by worker's compensation but some employees do not qualify. Thus, the employers' liability provides bodily injury if an employee gets hurt at work—specifically, office employees who are not covered by worker's compensation.

  • Employee Benefits Liability: Provides employers who make an error or omission in administering their employee benefits program.

  • Tenant's Legal Liability: Included within most commercial general liability policies; and provides coverage for damage to a premise that you rent or control in which a covered peril damages the rented space within your care, custody and control. The policy does not cover the property you own within the rented space, only the damage caused to the landlord's property.
  • Products Liability: This is included within most commercial general liability policies and provides coverage for any bodily injury or property damage caused by the products you sell.
  • Personal/Advertising Injury: Encompasses a range of non-physical injuries that stem from specific actions. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may arise from various scenarios, such as being falsely accused, wrongfully evicted or having one's reputation tarnished through defamatory statements.
  • Completed Operations: Refer to injuries that are not physical and occur after a specific action or event has been completed. These actions include, but are not limited to, false arrest, detention or imprisonment, malicious prosecution, wrongful eviction or entry, defamation through oral or written publications, and infringement of an individual's right to privacy. These injuries may occur as a result of a completed service or project and can have long-lasting effects on the individual or organization involved. It's important to note that these injuries differ from Bodily injuries, which are physical injuries caused by an accident or incident.
  • Non-owned automobile: This coverage offers protection against liability when an employee uses their personal vehicle for business purposes. It is meant to cover situations where a business-related accident occurs while an employee is driving their car, not the company-owned one. This coverage is intended to fill the gap when the employee's personal auto policy needs to provide adequate protection. It's important to note that this coverage applies only when the vehicle is not owned, registered or contracted by the named business or on its behalf.