PROTOTYPE — draft branding & copy for internal review · SafeShield coverages are placeholders pending the coverage document · all language pending compliance/legal sign-off
SafeManage + SafeShield

Two coverages, one partner for short-term rental risk

SafeStay brings together SafeManage — protection for your management business — and SafeShield — per-stay protection for the home, its contents, and your guests. Buy either, or bundle both.

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Explore SafeManage → Explore SafeShield →
Two products, one partner Covers the manager and the stay Talk to a specialist in minutes
Backed by [carrier — TBD] · Built for short-term rental professionals
Why it matters

Real protection for the moments that actually happen

A guest trashes the place. Someone gets hurt mid-stay. An owner blames your team for a loss. These are the moments coverage is for — and SafeStay is built for them.

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A guest checks out and the home's a wreck — broken furniture, damaged floors. That's SafeShield.

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Someone slips by the pool and is hurt during a stay. That's SafeShield.

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An owner says your management cost them money. That's SafeManage (E&O).

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A complaint turns into a lawsuit and the legal bills climb. SafeManage pays defense on top of your limits.

A bright, welcoming short-term rental living room
Our coverage

Pick the protection you're exploring

SafeManage and SafeShield solve two different problems. Switch between them to see what each covers — then compare side by side below.

SafeManage · who it protects

Coverage for you, the property manager. Managing short-term rentals is a professional service — when something goes wrong, owners and guests look to you. SafeManage protects your business against that liability, year-round.

Core liability
Commercial General Liability
$1M per occurrence · $2M aggregate+
Bodily injury and property-damage claims your business could be legally liable for, including products & completed operations. Damage to premises rented to you up to $300K. $0 deductible. Option to increase to $2M / $3M.
Professional Liability (E&O)
$1M per claim · $2M aggregate+
Negligence, mismanagement, mistakes, or failure to deliver services. Written claims-made. $0 deductible.
Legal Defense Costs
Outside limits+
Attorney fees and court costs for covered claims — even if groundless. Unlimited on general liability; $1M on E&O — paid on top of your limits, not deducted from them.
Included liability enhancements
Personal & Advertising Injury
$1M occ · $2M agg+
Libel, slander, invasion of privacy, and similar claims from marketing or guest interactions.
Diminished Property Value
Included+
Owner claims that poor or deferred management caused a loss in property value.
Tenant & Guest Discrimination
Included+
Discrimination claims based on protected classes — race, gender, disability, religion, and more.
Animal & Pet Liability
Included+
Bodily injury from a guest's animal or pet — on or off premises, with no breed exclusions.
Bed Bug & Flea Liability
Included+
Bodily-injury and property-damage claims arising from bed bugs or fleas.
Assault & Battery
Included+
Claims arising from assault and battery, including sexual molestation — on or off premises.
Pools, Hot Tubs & Water
Included+
Liability arising from pools, hot tubs, and other bodies of water at your properties.
Liquor Liability
Included+
Bodily injury or property damage from serving or furnishing alcohol (where no license is required).
Hired & Non-Owned Auto
Included+
Liability when employees or vendors use non-company vehicles for business tasks.
Amenities & Golf Cart
Included+
Liability arising from on-site amenities and golf-cart use.
Property, crime & specialty
Commercial Property
BPP $10K · Extra Expense $50K+
Replacement-cost coverage for business personal property and extra expense. $1,000 deductible. Building coverage optional.
Crime & Fidelity
$25,000+
Employee theft, forgery & alteration, and theft of money & securities. $500 deductible.
Squatters Defense
$5,000 / incident+
Eviction costs to remove a squatter who refuses to leave a managed property.
Contingent Liability
Included+
Indirect bodily-injury or property-damage claims that trace back to your professional advice or actions.
SafeShield · who it protects

Per-stay protection for both the property manager and the owner. When a guest damages the home or its contents — or is injured during their stay — SafeShield responds for that reservation. Think of it as protecting the property and the stay, not your company.

⚠ Placeholder coverages below — final SafeShield coverages and limits will mirror the Guesty Shield offering and are pending the coverage document (expected today). Limits shown as “[TBD]”.
Per-stay protection
Guest-Caused Property Damage
[Limit TBD]+
Accidental or malicious damage caused by a guest to the rental property during a stay — protecting both the owner's asset and the manager.
Contents & Furnishings
[Limit TBD]+
Damage to the home's contents and furnishings — furniture, appliances, and fixtures — from a guest stay.
Guest Bodily Injury Liability
[Limit TBD]+
Liability if a guest is injured during a stay — for example a slip, fall, or accident at the property.
Theft of Contents
[Limit TBD]+
Theft of the home's contents associated with a guest stay. Placeholder — to confirm against coverage doc.
Bed Bug / Pest Remediation
[Limit TBD]+
Costs tied to bed-bug or pest incidents arising from a stay. Placeholder — to confirm against coverage doc.
Per-Stay Pricing
[Per-night — TBD]+
SafeShield is priced per stay / per night and attaches to each reservation. Final pricing pending. Placeholder.
Side by side

SafeManage vs. SafeShield

They cover different things, with only a small overlap. Most operators benefit from both — here's why.

SafeManage
For the manager		SafeShield
For the stay
Who it protectsThe property manager / your management businessThe property manager and the property owner
What it protects againstClaims against your business — bodily injury & property damage (CGL), professional mistakes (E&O), plus enhancementsGuest-induced damage to the home & its contents, and liability if a guest is hurt during a stay
Coverage typeCommercial general liability + professional liability (E&O) + enhancementsPer-stay damage protection + guest liability
Term / triggerAnnual policy — responds to your management operationsPer stay — responds to something that happens during a specific reservation
ExamplesOwner sues over diminished value; guest injury tied to your management; discrimination claimGuest trashes the unit; furnishings damaged; a guest slips and is injured mid-stay
Think of it asProtecting your companyProtecting the property & the stay
Bundle & save

Better together: SafeManage + SafeShield

Carry both and you get complete coverage — your business and every stay — without paying for the same thing twice.

⊘

No double coverage

SafeManage and SafeShield share a small slice of general-liability protection. Bundle them and we carve out the overlap, so you're never paying for duplicate coverage.

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Bundle discount

When you carry both products together, you qualify for a bundled discount — a better rate than buying each on its own. Ask us about bundle pricing.

Bundling is optional — buy either product on its own anytime. Pricing shared on request.

Ask about bundling
How it works

Getting covered is simple

Today it's personal — tell us about your business and a specialist takes it from there. Online quoting is coming soon.

1

Tell us about your portfolio

Share a few details about the homes you manage and the coverage you're after. It only takes a couple of minutes.

2

See your options

We put together the right mix — SafeManage, SafeShield, or both bundled — with clear coverage and no obligation.

3

A specialist gets you covered

A SafeStay specialist confirms the details, answers your questions, and sets up your coverage.

FAQ

Common questions

What's the difference between SafeManage and SafeShield?

SafeManage protects your management business — commercial general liability, professional liability (E&O), and specialty enhancements, on an annual policy. SafeShield protects the property and the people in it, per stay — covering guest-caused damage to the home and its contents and liability if a guest is hurt. One covers your company; the other covers the stay.

Do I need both — and why?

They cover different risks with only a small overlap. SafeManage handles your professional and business liability year-round; SafeShield handles per-stay guest damage and guest injury for the homes you manage. Owners and platforms leave gaps in both areas — together, the two products close them. Bundle both and we remove the overlap and apply a discount.

Who is protected under SafeShield — me or the owner?

Both. SafeShield is designed to protect the property manager and the property owner against guest-induced damage and guest-injury liability arising from a stay.

Why is errors & omissions (E&O) so important?

Management is a professional service. When something goes wrong, owners hold the manager accountable — from diminished property value to a flood caused by a subcontractor. E&O (part of SafeManage) covers that exposure; general liability alone does not.

Doesn't Airbnb's AirCover already protect my business?

No. AirCover doesn't include professional liability (E&O), limits commercial general liability for managers with 6+ active listings, and doesn't follow you beyond Airbnb to Vrbo, Booking.com, or direct bookings.

How do I buy a policy?

Right now, request a quote and our team sets you up directly — fast, personal, and tailored to your portfolio. Online checkout is coming soon.

Get a Quote

Tell us about your business

A specialist follows up within one business day.

By submitting, you agree to be contacted about your request. SafeStay coverage descriptions are informational only; the actual policy/agreement governs. Availability subject to underwriting and eligibility. [Disclaimer pending legal review.]

Thanks — we've got it.

A SafeStay specialist will reach out within one business day to walk through your quote.