What Happens if Someone Gets Hurt in Your Airbnb

Does Airbnb cover bodily injury?

Yes, Airbnb does cover bodily injury. According to Airbnb’s website, host liability insurance covers the Airbnb host if they’re found legally responsible for any of the following: 

• Bodily injury to a guest (or others)
• Damage to or theft of property belonging to a guest (or others)
• Damage caused by a guest (or others) to common areas, like building lobbies and nearby properties

On the other hand, the website also outlines that host liability insurance doesn’t cover any of the following: 

• Damage or injury resulting from something done intentionally
• Damage to your place or belongings caused by a guest (that’s covered by host damage protection)
• Other exclusions apply

What does Airbnb’s insurance cover?

Filing a claim for any injuries you sustained at an Airbnb isn’t necessarily as straightforward as most victims may hope. Ideally, the injury victim would be able to simply submit their claim for damages to the host while awaiting compensation for the injuries. It’s essential to understand this situation from the host’s perspective, as they may not have the appropriate resources offhand to compensate you for your claims. Fortunately for the injury victims, injury claims can be filed through Airbnb Host Protection Insurance. 

Airbnb Host Protection Insurance is an insurance policy that Airbnb extends to hosts. The insurance pays the injured person up to $1 million when a guest gets hurt during a stay. The injury must occur as the result of negligence on behalf of the property owner. The insurance policy does not apply if the host commits intentional harm. Pollution and mold-related injuries are also excluded from claims.

Airbnb Host Protection Insurance can be a great way to receive compensation for your damages if you suffer any injuries during your stay as a guest at any Airbnb. In the event that Airbnb refuses to compensate you fairly, you can file a legal claim against both the host and Airbnb itself for failing to abide by their own insurance policies. 

How much is Airbnb Host Protection Insurance?

According to Airbnb itself, Host Liability Insurance provides Airbnb hosts with $1 million in coverage in the uncommon event that you are “found legally responsible” for a guest getting hurt or their belongings being damaged or stolen while they’re staying at your place. Anyone who assists the hosts, such as co-hosts and cleaners, is also included, allowing hosts to feel confident hosting on Airbnb.

What should you do if you’re hurt while staying at an Airbnb?

If you find yourself suffering from an injury as a result of staying at an Airbnb, it’s necessary to seek medical attention right away. The sooner you obtain medical care, the easier it will be for you to physically recover and prove that the Airbnb was the location of the injury. As with any personal injury case, taking plenty of pictures of the accident scene is important, so you may rely on them in your lawsuit to establish your legal arguments.

Once you’ve sought medical help, you need to inform the Airbnb host of your injury. After the host has been notified, you’ll need to file a claim properly through Airbnb Host Protection Insurance. Further, you should seek counsel from an experienced personal injury lawyer to guarantee that you will succeed in your claims and be adequately compensated for your damages.

Can you get sued if someone gets hurt in your Airbnb?

For most Airbnb accident injuries, it’s safe to assume that the property owner will likely be liable for the guest’s injuries. Additionally, the injured party may be able to recover compensation from Airbnb itself through Airbnb Host Protection Insurance. 

Like other types of property owners, Airbnb property owners have a legal liability to guests who suffer injury when it can be established that they are negligent in how they care for the property. Premises liability rules apply to determine whether the property owner is negligent and legally liable for an Airbnb injury.

A common example of property owner negligence is when the property owner fails to repair something on the property, such as a railing. Should the unrepaired hand railing cause the guests to fall down the stairs, it could result in a negligence case, given that the property owner can be held liable for their negligent decision to fail to repair the known broken fixture. Another typical example of property owner negligence includes slip-and-fall accidents, where there is some type of known flooding that the guest slips and falls in.

Any known issue with the property that the owner should have been aware of that caused the guest’s injuries will result in the owner’s liability for their negligence as a property owner. When you can trace the accident to the negligence of the Airbnb operator, the property owner has a legal obligation to compensate you for your damages.

Contact Adam S. Kutner for your Airbnb injuries

Here at Adam S. Kutner, our personal injury attorneys are well-versed in a wide range of accident types and capable of handling even the most difficult cases. From casino injury lawyers to hotel injury lawyers, our personal injury attorneys are exceptionally prepared to handle your Airbnb injury lawsuit.