Experiences & Services Liability Insurance Program Summary

Last updated: June 30, 2025

About Experiences & Services liability insurance

Experiences & Services liability insurance is a key component of AirCover for Hosts, which is top-to-bottom protection for Airbnb Hosts. The Experiences & Services liability insurance program (“ELI program”) insures Experience and Service Hosts, in certain countries, for their legal liability for bodily injury or property damage to guests or others resulting from an event that happens during a guest’s participation in an Airbnb Experience or Service, subject to the terms, conditions, and exclusions of the Experiences & Services liability insurance.

The ELI program only insures Experience and Service Hosts for their liability to others, so injury to the Experience Host, Service Host, or damage or loss to their own property, is not covered. There is no additional cost to Hosts for them to be insured under the ELI program.

Airbnb requires that all Experience and Service Hosts maintain primary liability insurance appropriate for your 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. 

Liability insurance maintained by Experience and Service Hosts is the primary source of coverage while hosting an Experience or providing a Service. The ELI program generally provides Experience and Service Hosts with excess or contingent liability insurance. If the Experience or Service Host’s insurance applies to the claim, the ELI program is excess. When the ELI program is excess, it will only pay covered damages on behalf of Hosts after their insurance has been exhausted. The ELI program may also apply as contingent. Contingent insurance means the ELI Program will apply as primary coverage in the event the Experience or Service Host’s other insurance does not apply to the claim. Hosts or their insurance advisers should check the terms and conditions of their own insurance policy.

For a small subset of Experiences, the ELI program is not applicable and where this is the case, Hosts may want to consider whether or not they need to take out their own liability insurance for the Experience.

Disclaimer

This ELI program summary does not contain the full terms, conditions, and exclusions. In the United States, in certain instances, the ELI program is underwritten by a non-admitted insurer and may not be subject to your state’s insurance laws and regulations and is not protected by the insolvency guaranty fund.

Insurance providers and countries included

The ELI program currently extends to Experience and Service Hosts globally, except for jurisdictions subject to applicable sanctions laws. In the majority of jurisdictions, the ELI program provides insurance through a policy issued by Zurich Insurance Company Ltd., one of the world’s largest insurance providers. In some jurisdictions, where a locally issued policy is required by local laws or regulations, coverage may be provided by a Zurich Insurance Company Ltd. partner company.

The ELI program provides insurance through policies issued by different insurance companies in Japan and is placed by Airbnb UK Services Limited in the United Kingdom, an appointed representative of Aon UK Limited as more fully set out as follows:

• In the United Kingdom, this Policy has been arranged and concluded at no additional cost for the benefit of United Kingdom Hosts by Airbnb UK Services Limited, an appointed representative of Aon UK Limited, which is authorised and regulated by the Financial Conduct Authority. Aon’s FCA register number is 310451. You can check this by visiting the Financial Services Register or contacting the FCA on +44 (0) 800 111 6768. Insurance products arranged by Airbnb UK Services Limited are regulated products. FP AFF 459 LC.
• In Japan, coverage is provided under a policy issued by Sompo Japan Nipponkoa Insurance Inc. Learn more about coverage in Japan.
• Note that if your home is located in a country or territory where the Experiences & Services liability insurance program is unable to provide direct insurance cover, you may still be able to benefit from the Experiences & Services liability insurance program under indirect cover provided by an authorised insurer to Airbnb Ireland UC.

Different coverage limits and terms may apply depending on the jurisdiction.

Insurance policy period

The current term of the ELI program is effective to at least June 30, 2026.

Coverage eligibility

Hosts who list Experiences or Services on Airbnb’s Platform are insured under the ELI program during the Experience or Service period, unless the Experience or Service is not covered by the ELI program. If applicable, the ELI program covers Experience and Service Hosts for incidents that result in the Host’s legal liability resulting from a bodily injury or property damage claim arising from a guest’s participation in an Airbnb Experience or Service. The incident must also occur during the Airbnb Experience or Service Period and have been arranged using the Airbnb Platform.

1. Experience: An Experience is a hosted activity accessed through Airbnb’s website or associated mobile application. An activity agreed directly between Airbnb and the Experience Host also qualifies as an Experience.
2. Airbnb Platform: Airbnb Platform refers to airbnb.com and the associated mobile application.
3. Experience Host: An Experience Host is a person or entity who has completed the Airbnb account registration process, including consenting to the Airbnb Terms of Service, and lists their Experience on the Airbnb Platform. Experience Host also includes Co-Hosts or others that provide related services in connection with the Experience.
4. Experience Period: An Experience Period refers to the period of time while a Guest is engaged in a registered Experience. Experience Period may also include the period of time during which the Experience Host is preparing for the Experience—whether before it begins or after it ends, not to exceed a 24-hour period.
5. Service: A Service is a hosted service accessed through the Airbnb platform or associated mobile application. A hosted service agreed directly between Airbnb and the Service Host or another party or entity qualifies as a Service.
6. Service Host: A Service Host is a person or entity who has completed the Airbnb account registration process, including consenting to the Airbnb Terms of Service, and lists their Service on the Airbnb Platform. Service Hosts also includes an entity or a person(s) providing related Services, including Co-Service Hosts or staff.
7. Service Period: A Service Period refers to the period of time while a Guest is receiving a registered Service. Service Period may also include the period of time during which the Service Host is preparing for the Service, before the Service begins, or cleaning up an area after a Service ends – not to exceed a 24-hour period.
8. Guest: A Guest is a person who has completed the Airbnb account registration process, including consenting to the Airbnb Terms of Service, and signed up for one or more Experiences or Services via the Airbnb Platform. Anyone expressly invited by Airbnb to participate in an Experience or Service is also a Guest, as is an approved companion or companions accompanying any Guest as described above.

Experiences & Services that are not covered

The ELI program will apply on a contingent or excess basis to those Experiences and Services involving watercrafts and automobiles. Experience and Service Hosts using a personal auto in connection with their Experience or Service may not be covered under their personal auto policy. Hosts should consult their insurance advisers to determine whether their coverage is sufficient. 

The ELI program does not apply to the following Experiences taking place in the United States:

• cliff camping
• cliff jumping
• hang gliding/paragliding
• kitesurfing/kite boarding
• rappelling/abseiling
• rock climbing/mountain climbing (with ropes)
• shark diving
• skydiving (tandem)
• stunt driving/stunt jumping
• toboggan/luge/bobsled/skeleton

Coverage does apply to the aforementioned Experiences that occur outside of the United States, with the exceptions of heli skiing and bungee jumping, which are not covered regardless of where they occur.

Liability limits

Up to $1,000,000 USD per Guest per Experience Period & Service Period.

Exclusions

The ELI program excludes from coverage:

• Aircraft, Auto, and Mobile Equipment: bodily injury or property damage connected in any way to aircraft, auto, or mobile equipment. There is an exception providing coverage on an excess or contingent basis for bodily injury or property damage when the auto is used by the Experience or Service Host in connection with an Experience or Service during the Experience or Service Period. When excess, coverage applies to the claim if it exceeds the limits of other insurance maintained by the Experience or Service Host. When contingent, coverage applies on a primary basis when the Experience or Service Host’s other insurance does not respond to the claim.
• Assault and Battery: any loss or expense caused by, arising out of, or resulting directly or indirectly, in any way from assault and/or battery of any person committed by or alleged to have been committed by the insured.
• Communicable Disease: any bodily injury, property damage, or other loss arising out of the actual or alleged transmission of a communicable disease. This exclusion does not apply to any communicable disease contracted from a good or product intended for consumption, including food and beverages made available or provided by the Experience or Service Host.
• Contractual Liability: liability for bodily injury or property damage where the insured is obligated to pay damages they have assumed in a contract or agreement. This exclusion doesn’t include legal liability the insured would have without a contract or agreement or liability assumed by the insured in certain specific contracts delineated in the policy.
• Distribution of Material in Violation of Statutes: bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate any statute, ordinance, or regulation, that prohibits or limits the sending, transmitting, communicating, or distributing of material or information.
• Electronic Data: damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data.
• Employment Related Practices: bodily injury arising out of refusal to employ a person; termination of a person’s employment; or employment-related practices, policies, acts, or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, or malicious prosecution directed at that person. This exclusion applies whether the injury-causing event occurs before employment, during employment, or after employment of that person, and whether or not the insured may be liable as an employer or in any other capacity.
• Expected or Intended Injury: bodily injury or property damage the insured intended to happen, or should have expected to happen. For example, if an Experience or Service Host were to deliberately destroy property of a Guest, this coverage wouldn’t apply, even if the Experience or Service Host were legally responsible for that damage.
• Fungi or Bacteria: bodily injury or property damage arising from or connected to inhalation of, ingestion of, contact with, exposure to, existence of, or presence of, any fungi or bacteria on or within a building or structure, including its contents. This exclusion does not apply to any fungi or bacteria that are, are on, or are contained in, a good or product intended for consumption as part of an Experience or Service.
• Nuclear Risks: any loss or damage resulting from the hazardous properties of nuclear material.
• Personal and Advertising Injury: losses, including consequential bodily injury that arise out of claims, such as:
  • False arrest, detention, or imprisonment
  • Malicious prosecution
  • Wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling, or premises that a person occupies, committed by or on behalf of its owner, landlord, or lessor
  • Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person’s or organization’s goods, products, or services
  • Oral or written publication, in any manner, of material that violates a person’s right of privacy
  • Use of another’s advertising idea in your advertisement
  • Infringing upon another’s copyright, trade dress, or slogan in your advertisement
• Pollution: bodily injury or property damage arising from the actual, alleged, or threatened discharge, dispersal, seepage, migration, release or escape of pollutants. There is an exception for bodily injury occurring during an Experience or Service and Experience or Service Period and caused by smoke, fumes, vapor, soot, or carbon monoxide. There is also an exception for injury or damage arising out of a fire that escapes its normal location (hostile fire).
• Punitive or Exemplary Damages: punitive or exemplary damages, fines, or penalties, except where such damages are insurable by law.
• Sexual Assault: any loss or expense caused by, arising out of, or resulting directly or indirectly, in any way from sexual abuse or molestation of any person committed by or alleged to have been committed by the Insured.
• Silica, Silica Dust, Lead, and Asbestos: bodily injury or property damage arising from or connected in any way to silica, silica dust, lead, or asbestos.
• War: bodily injury or property damage arising, directly or indirectly, out of:
  • War, including undeclared or civil war
  • Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents
  • Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these
• Workers’ Compensation: any obligation of the insured under a workers’ compensation, disability benefits, or unemployment compensation law or any similar law.
• Employers’ Liability: Bodily injury to any employees of the insured (or certain immediate family members) arising out of their employment by the insured or performing duties related to the conduct of the insured’s business, whether the insured may be liable as an employer or in any other capacity.
• This list of exclusions is not exhaustive.

Claims

Please immediately submit the liability insurance intake form if you become aware of any bodily injury or property damage that may be a subject to coverage under the ELI program. After the intake form is completed, a third-party claims adjuster appointed by the insurer will get in touch with you to discuss the claim and gather information. The adjuster will then handle the claim in accordance with the terms of the ELI program and applicable laws and regulations in the applicable jurisdiction.

Questions

Please visit this site to request proof of insurance or if you have questions regarding the coverage made available under this program.

Complaints

In the United Kingdom, if you or another insured under the policy wishes to raise a complaint, you can do so by contacting the address below, and a member of the team will ensure that your complaint is referred to an appropriate person:

• Aon UK Limited, Central Complaints Team
• Briarcliff House, Kingsmead, Farnborough, GU14 7TE
• By phone: Telephone 01252 768662
• By email: [email protected]

Copies of our complaint handling procedures are available on request.

If your complaint is not resolved, you may be entitled to refer it to the Financial Ombudsman Service. Visit this site for further details or contact them at: The Financial Ombudsman Service, Exchange Tower, London, E14 9SR, telephone 0800 023 4567.

If you are based in the European Union, you can register your complaint on the Online Dispute Resolution (ODR) Platform here.