When the Customer Isn't Always Right

Posted by CBIZ Vacation Rental Insurance on Oct 29, 2018 7:30:00 AM

No matter what safety precautions you have in place, a vacationer could choose to sue you at any time, claiming that you were responsible for their injuries. Read how vacation rental property coverage through CBIZ, includes liability protection for personal injury claims and more in this post!

No matter what safety precautions you have in place or how well you maintain your vacation rental property, a vacationer could become injured or claim that your negligence caused damage to their property at any time.

It is not unheard of for renters to file lawsuits claiming that the vacation rental property owner or property manager was negligent, did not live up to a legal standard of care, or was somehow responsible for their injuries. If you are named as the responsible party in such a suit, you need to defend yourself against the charges – even if you believe that your actions (or inactions) did not contribute to the renter’s injuries.iStock-963079794

It is expensive, time-consuming, and emotionally-taxing to have to defend yourself against a lawsuit. Even if the vacationer is ultimately unsuccessful in proving that you were at fault, you may still be responsible for paying attorneys’ fees and court costs, not to mention your time and the frustration you experience in the process.When you have adequate vacation rental insurance through CBIZ, which includes liability protection for personal injury claims and limited coverage for damage to your guests’ property, you can have peace of mind knowing you have some protection against renters’ lawsuits - frivolous or otherwise. You won’t need to personally foot the bill for defending the suit or for paying any damages the court awards to the plaintiff. In fact, you won’t even need to interview or hire an attorney – your insurance company will take care of those details for you.

CBIZ vacation rental coverage, designed specifically for vacation rental property owners, covers attorneys’ fees and court costs in addition to providing funds that can be used for out-of-court settlements or to pay court-awarded damages up to the policy’s stated limits.

Of course, it’s important to make sure you are doing your part to mitigate risks and ensure your renters have safe and enjoyable experiences while staying at your vacation property; liability insurance doesn’t eliminate your responsibility to your tenants. Still, it can be a comfort to know that you have insurance coverage in place in the event you experience a litigious renter.

To learn more about why you need vacation rental insurance that includes both liability and property protection, and to request a free quote, contact CBIZ Vacation Rental Insurance today.

This blog may contain scenarios that are provided as examples only. In an actual claim situation, coverage is subject to the terms, conditions and exclusions of the policy issued. The information provided is general in nature and may be affected by changes in law or the interpretation of such laws. The reader is advised to contact a professional prior to taking any action based upon this information.

©2018 CBIZ Insurance Services, Inc.

The information contained in this document is confidential and proprietary information of CBIZ Insurance Services, Inc. (“CBIZ”) and is for the sole purpose of providing information to CBIZ clients and prospects. This document may not be disclosed, copied, reproduced or disseminated, in whole or in part, to any third party or be used for any other purpose without the prior written permission of CBIZ.

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