Vacation Rental Insurance Program from CBIZ Vacation Rental Insurance
CBIZ Vacation Rental Insurance offers a dedicated program for short-term vacation rental properties, tailored for agents and brokers who place business for owners that rent homes, condos, cabins, or multi-unit properties on a short-term basis. The program is built to address exposures that standard homeowners or landlord policies often exclude or limit for short-term rentals.
This program is written on a non-admitted basis through Tudor, a carrier with specialty property expertise. Coverage is designed to help your clients manage guest liability, property damage, loss of rental income, and other risks specific to short-term rental operations.
Ideal Accounts and Appetite
This market is a good fit for:
- Owners of professionally managed or owner-operated short-term vacation rental properties
- Single-location owners as well as multi-property portfolios
- Properties listed on platforms such as Airbnb, Vrbo, or managed through local rental agencies
- Full-time rentals and seasonal or part-time vacation properties
Typical examples you might place: a beachfront condo in Florida with weekly turnovers, or a mountain cabin in Colorado rented during the ski season.
Coverage Highlights and Advantages
Key features of the CBIZ Vacation Rental Insurance program include:
- Property coverage for the structure, contents, and detached structures
- Liability protection for incidents involving guests and for third-party property damage
- Business income coverage to protect rental revenue interrupted by a covered loss
- No occupancy restrictions that would otherwise void coverage when the property is rented short-term
- Optional endorsements and enhancements to match specific client exposures
Underwriting Notes
The program is non-admitted and underwritten by Tudor through CBIZ. Underwriters are experienced with the unique exposures of the vacation rental niche and aim for an efficient quoting process. There is no stated minimum premium, but final pricing varies by property type, location, occupancy patterns, loss history, and other risk characteristics.
Territories and Availability
The CBIZ Vacation Rental Insurance program is available in most U.S. states, including AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, and WY. Check with CBIZ for any state-specific eligibility details.
Why Work With CBIZ Vacation Rental Insurance?
CBIZ combines niche underwriting knowledge with responsive service tailored to brokers and agents who place short-term rental business. You benefit from underwriters familiar with rental platforms and guest exposures, competitive program structures for specialty risks, and streamlined submission handling to help you place accounts more quickly.
If you have a client who needs a purpose-built solution for short-term rental exposure, CBIZ Vacation Rental Insurance is positioned to offer coverage and flexible options that standard homeowner or landlord policies may not provide.