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Experiences & Services liability insurance (“ELI Program”), a part of AirCover for Hosts, provides Hosts with $1 million in coverage in the rare event you are found legally responsible for a guest getting hurt or their belongings being damaged or stolen during an Airbnb Experience or Service. People who help you host, like Co-Hosts, are also included, so you can feel confident hosting on Airbnb.

Airbnb requires that all Experience and Service Hosts maintain liability insurance appropriate for their business. Based on the type of Experience or Service you want to host, you may be required to provide proof of licensure and/or insurance as part of the submission process. When insurance maintained by an Experience or Service Host applies to a claim, the ELI Program provides coverage to the extent the claim exceeds the Experience or Service Host’s insurance limits.

To learn more about Experiences & Services liability insurance, go to the comprehensive program summary.

Start a liability claim

File a claim if a guest gets hurt or their belongings are damaged or stolen.

Go to intake form

What's covered

Experiences & Services liability insurance covers you if you’re found legally responsible for:

• Bodily injury to a guest (or others)
• Damage to or theft of property belonging to a guest (or others)

The incident must arise out of the booking of an Airbnb Experience or Service through the Airbnb platform and occur during the Experience or Service, or while you’re preparing for or cleaning up after your Experience or Service, not to exceed a 24 hour period.

Experiences & Services liability insurance doesn't cover:

• Damage or injury to a guest resulting from something done intentionally
• Damage, loss, or theft to your personal property
• Experiences involving aircraft or certain types of extreme activities (like bungee jumping)
• Online-related risks such as defamation, theft of electronic data, or infringement of intellectual property rights
• Other exclusions apply

The claims process

If you need to file a claim, just fill out our liability insurance intake form. The info will be sent to our trusted third-party insurer, who will assign your claim to a representative. They’ll resolve your claim according to the terms of the insurance policy.

No opt-in required

AirCover for Hosts and its benefits are always included and always free. By simply agreeing to host or continuing to host an Experience or Service, you are automatically covered whenever you host an Airbnb Experience or Service.

If you want to opt out

Email us from the email address associated with your Host account. Be sure to include the exact title of your listing, your full name, and the phone number associated with your Host account.

The email link above is only for opting out.

Please note that Hosts in the UK can’t opt out of this free liability insurance.