Limiting Risk Through Full Disclosure in Marketing

Posted by CBIZ Vacation Rental Insurance on Nov 28, 2018 11:40:07 AM

When it comes to marketing, most property owners and managers want to show the vacation rental property in the best possible light. However, if property photos and descriptions are out of date or omit certain information, you could be at greater risk of a liability claim. This week the CBIZ VRI blog discusses how you can protect your business while still allowing it to remain attractive. Click to read more! 


If you are like most vacation rental property owners and managers, you want to fill your rental calendar with bookings.

After all, more bookings mean more guests which means more money in your pocket. Your rental website (if applicable), listings on booking sites, and communications with potential renters can all play a key role in helping you attract a steady stream of the right kind of renters.

When marketing your property, it’s understandable that you would want to show your property in the best possible light in your marketing efforts. But be careful to make sure photos and descriptions are current, accurate, and are not misleading. Using outdated photos or omitting key information when marketing your vacation rental property could result in disgruntled renters and negative reviews, which could impact future rental bookings.

Presenting your property in photos and descriptions in a way that could be construed as misleading may also leave you open to the risk of liability claims and potential lawsuits. For example, if your rental listings and pictures feature certain amenities like a fireplace, pool, hot tub or sauna, but the amenity isn’t actually usable when your renters arrive, you could be the target of a liability claim. 

Of course, things beyond your control can happen; a previously-functioning appliance or amenity can break down during a renter’s stay. When this happens, taking prompt and reasonable action to correct the problem can protect you from risk.

It is a different story when a vacation rental property owner or manager intentionally markets rental property as including an amenity that he or she knows is not actually available for use. For example, the water quality on the lake where a rental cabin is located may be too poor for swimming during certain parts of the year. In that case, it is still OK to describe the property as a lakefront cabin. But be sure to also include a disclaimer that swimming may not be an option. Describing potential problems up front can eliminate complaints later, and can lower your risk of having to rely on your liability insurance coverage.

Is your vacation rental property adequately insured, and does your coverage protect you from both damage and liability claims? If you’re a CBIZ vacation rental insurance policyholder, you have protections that listing sites’ host liability coverage simply doesn’t include. To learn more about why you need commercial liability protection and how it differs from listing sites’ host liability policies, download our free infographicUnderstanding the Difference Between Host Liability and Commercial Liability, today. Then, contact us for a free quote.

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Topics: Vacation Property Owners

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