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Vrbo – Rental Property Liability Insurance Program Summary from Generali – U.S. Branch
About $1M Liability Insurance
The Rental Property Liability Insurance Program (“the Program”) can provide owners and property managers with coverage against claims for accidents resulting in bodily injury or property damage to third parties or their property, subject to terms and conditions, some of which are outlined below. This summary is based on the policy effective from September 30, 2023 to September 30, 2024.
There is no additional cost to participate in the program; however, only stays that correspond with a reservation processed online through the Vrbo family of brands (“Vrbo”) may be covered. In the event of a claim, benefits will be coordinated along with any other applicable insurance, including your homeowner’s policy.
The Program provides up to US$1.0 million in coverage per property, per policy period, through a policy administered by Customized Services Administrators, Inc., doing business as Generali Global Assistance & Insurance Services (“GGA”). GGA is part of the multinational Generali Group, which for over 185 years has created a presence in 50 countries with over 75,000 employees and is ranked in the Fortune Global 500 as of September 2022.
The Program is underwritten by Generali U.S. Branch (NAIC# 11231, ”GUSB”), also a member company of Generali Group.
Limits of Insurance
The Program provides liability coverage of up to US$1.0 million per occurrence per rental agreement, and medical payments coverage of up to US$5,000, with an aggregate limit of US$1.0 million per policy period per property listed on the Vrbo sites during the policy term.
The $1.0 million USD policy limit includes and is not in addition to the costs to investigate a claim and provide a legal defense, if necessary.
Program Eligibility and Effective Dates
Coverage under the Program can apply to all stays that are reserved on or after May 8, 2017, regardless of check-in or check-out date, provided that the stay corresponds with a reservation processed online through the Vrbo checkout.
The policyholder is Vrbo Holdings, Inc. and its affiliates. Owners, managers, and lessors of properties listed on Vrbo that are rented to lessees through a rental agreement, using Vrbo’s checkout, may qualify as insureds under the Program, but only with respect to liability arising out of the ownership, maintenance or use of such property under the terms and during the rental period of the rental agreement for such property.
Bodily Injury and Property Damage Coverage
The sums that an insured becomes legally obligated to pay as damages because of bodily injury to a guest or property damage to a third party’s property may be covered by this Program. The insurance only applies to bodily injury or property damage that is caused by an accident, and is subject to other terms, conditions, and exclusions.
Coverage Territory
The Program may provide coverage anywhere in the world provided the insured’s responsibility to pay damages is determined:
a) in a settlement to which GUSB agrees, or
b) in a suit on the merits that is brought in a territory in which GUSB is not prohibited from engaging in transactions by any applicable law such as sanctions and trade embargo laws. Those include sanctions and trade embargos administered by the U.S. Treasury Department’s Office of Foreign Assets Control.
Program Exclusions and Limitations
The Program will coordinate with any other valid and collectible insurance available to persons or entities that qualify as insureds under the Program.
If the owner, property manager or lessor qualifying as an insured under the Program does not maintain adequate insurance coverage sufficient to cover the rental of the properties they list on the site, the limits and amounts paid on behalf of that insured will be subject to a 25% deductible, payable by that insured.
The exclusions and limitations summarized below are from the policy effective from May 23, 2022, to May 23, 2023:
Expected or Intended Injury: Bodily injury or property damage expected or intended from the standpoint of the insured. However, this exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property.
Ineligible Property: properties that are ineligible for short term rentals due to: (1) local short term rental ordinances; or (2) local authorities have explicitly prohibited short term rental use at the property subject to the rental agreement.
Contractual Liability: Bodily injury or property damage for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement, subject to certain exceptions.
Liquor Liability: Bodily injury or property damage for which any insured may be held liable by reason of: (1) causing or contributing to the intoxication of any person; (2) the furnishing of alcoholic beverages to any person under the legal drinking age at that location, or under the influence of alcohol; or (3) any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages; even if the claims against any insured allege negligence or wrongdoing in: the supervision, hiring, employment, training, or monitoring of others by that insured; or providing or failing to provide transportation with respect to any person that may be under the influence of alcohol. However, this exclusion applies only if the insured is in the business of manufacturing, distributing, selling, serving or furnishing of alcoholic beverages, which does not include, by itself, permitting a person to bring alcoholic beverages on the insured’s premises for consumption of the insured’s premises, whether or not a fee is charged or a license is required for such activity.
Workers Compensation and Similar Laws: Any obligation of the insured under a worker’s compensation, disability benefits, unemployment compensation law or any similar law.
Employer's Liability: Bodily injury to an employee of the insured arising from and in the course of employment by the insured or performing duties related to the conduct of the insured's business, as well as any related consequential bodily injury to the spouse, child, parent, brother or sister of that employee, regardless of whether the insured may be liable as an employer or in any other capacity or if there is any obligation to share damages with or repay someone else who must pay damages because of the injury. However, the exclusion does not apply to liability assumed under an insured contract.
Pollution: (1) Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants, under certain delineated circumstances; or (2) any loss, cost or expense arising out of any: request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants; or claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in an way responding to or assessing the effects of pollutants, except for liability for damages because of property damage the insured would have in the absence of any such request, demand, order or statutory or regulatory requirement, or such claim or suit by or on behalf of such governmental authority.
Aircraft, Auto, or Watercraft: Bodily injury or property damage arising out of the ownership, maintenance, use, or entrustment to others of any aircraft, auto, or watercraft owned or operated by or rented or loaned to any insured, even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured. However, this exclusion is subject to certain exceptions.
Mobile Equipment: Bodily injury or property damage arising out of: (1) the transportation of mobile equipment by an auto owned or operated by or rented or loaned to any insured; or (2) the use of mobile equipment in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition or other stunting activity.
War: Bodily injury or property damage, however caused, arising directly or indirectly from (1) war, including undeclared or civil war; (2) warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these.
Damage to Property: Property damage to personal property in the care, custody, or control of the insured.
Electronic Data: Damages arising from the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.
Personal or Advertising Injury: Bodily injury arising out of personal and advertising injury.
Recording and Distribution of Material or Information in Violation of Law:- Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate the Telephone Consumer Protection Act, the CAN-SPAM Act of 2003, the Fair Credit Reporting Act, including any amendments or additions to such laws, and any other federal, state or local statute, ordinance or regulation that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information.
Recording of Material or Information: Bodily injury or property damage arising out of the actual or alleged recording, printing, dissemination, disposal, collecting, sending, transmitting, communicating, or distribution of any material or information by a camera that is: (1) not previously disclosed in the listing, including the specific location and whether recording occurs during the reservation; or (2) placed in or observing the interior of private spaces such as bathrooms, bedrooms, or sleeping areas; whether concealed or not concealed.
Trade Sanctions: Bodily injury or property damage to the extent that the provision of such coverage or payment of such would expose GUSB to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanction, laws or regulations of the European Union, United Kingdom, United States of America, or any other sovereign nation to whose laws GUSB is subject.
Claims
Please notify GGA immediately if you become aware of any third-party bodily injury or third-party property damage that may be subject to coverage.
Call immediately to initiate a claim and speak with a dedicated GGA claims representative in United States: 800.313.6457 & International Toll Free: 800 5454 2222.
Please have the following information available when you call us:
1. Full details of the incident,
2. Any and all related documentation, &
3. Names and contact information of individuals or parties injured or claiming damages.
The claims handling time depends on numerous factors, which can include the complexity and specific details of the claim and associated damages.
Generali Global Assistance
P.O. Box 939057
San Diego, CA 92193
Tel: 858-810-2000
Disclaimer
The above Program Summary is provided by GUSB for your convenient review only. This summary is based on the policy effective from May 23, 2022, to May 23, 2023. It is does not contain the full or exact terms and conditions of the insurance policy issued to Vrbo Holdings, Inc. Certain terms and phrases used in the policy are defined to have special meaning, and the definitions are not provided in the summary. GUSB will rely on the actual complete terms and conditions in the policy in evaluating any claims.
Complaints
We strive to provide our partners with excellent customer service and welcome any feedback. We will make our best effort to deal with all complaints fairly. If you wish to make a complaint, you can do so in writing, or by telephone.
Please address all complaints to:
Generali Global Assistance
P.O. Box 939057
San Diego, CA 92193
Tel: 858-810-2000