The Insurance Carrier

The party that decides whether a bad night is expensive or catastrophic. You will interact with them roughly never, right up until the one time it matters enormously.

Why your current policy will not do

Homeowners policies exclude business use. A guest gets hurt, you file, and the adjuster finds your public listing in about ninety seconds.

What you actually need

Still with me? Then the thing that fools people.

Platform protection is not insurance

It is secondary coverage with real carve-outs and a claims process — commonly excluding wear and tear, cash, pets, mould and loss of income — and it generally sits behind whatever policy you actually hold.

If your plan is “the platform covers it,” your plan is that something sitting behind a policy you do not have will pay out. That is not a plan.