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Who is Responsible for Injuries at an Airbnb?

bed and bedside table with lamp

The past few years, travelers have seen a huge increase in travel and budget friendly places to stay, thanks to Airbnb. Airbnb offers travelers a room to stay at a fraction of the cost when compared to many hotel chains. What the consumer doesn’t realize is that injury claims for damages sustained at an Airbnb can be more complex and difficult to pursue than claims against normal hotels and resorts. Premises liability claims arise when a visitor, customer, or business patron is injured on another person or business owner’s property. 

While most business owners, hotels, and resorts carry appropriate insurance policies to pay for such injuries, that is usually not the case with Airbnb properties. Most Airbnb property owners have personal liability insurance coverage or renter’s insurance, but that typically not apply to injuries that occur when renting out said property for money. Most insurance policies prohibit a renter or property owner from renting out their home without taking out a separate policy. So, if the Airbnb owner is not responsible, then what are your options for recovery sustained at an Airbnb?

Options for Recovery

Airbnb claims to carry “host insurance” on all properties listed through their site. This host insurance offers $1M in coverage for injuries and damages sustained by renters. Just like any other insurance related claims, things look nice on paper, but an experienced attorney can tell you things are never like they appear when it comes to filing a claim.

If you suffer a catastrophic injury while at Airbnb properties, then the $1M host coverage referenced above will probably not cover related damages and medical expenses. A renter would then have the option to use his/her own personal homeowners insurance policy to cover any damages.

Being injured at an Airbnb, hotel resort, or casino all require different legal approaches. The first step you should take is filing a claim with Airbnb and with your own insurance carrier. As we addressed in a previous blog, injuries sustained at a casino or hotel require an experienced attorney with knowledge and experience in handling premises liability claims.

Call The Chiozza Law Firm 

As with most legal matters, time is of the essence. If you have sustained an injury due to the negligence of an Airbnb renter or hotel owner, you should immediately call an attorney at The Chiozza Law Firm at 901-526-9494. We will offer a free, confidential case evaluation and walk you through the claims process. We will file a claim for you with the appropriate individuals and companies, ensuring you time to recover and heal. We try to make the process as stress-free as possible, handling every claim from start to finish.

As with all personal injury claims we handle, we will not charge you or take a fee unless we are successful in getting a recovery. For questions and immediate assistance please fill out an online form, call 901-526-9494 or email Attorney Brian Chiozza.



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Posted by Brian Chiozza at 10:05 AM
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