Insurance
Coverage on NicheShift
NicheShift does not sell insurance.
We don't add a policy to your booking, we don't collect a premium at checkout, and we earn nothing if you buy coverage. Renters bring their own liability insurance; hosts decide whether proof of it is required.
If you're renting a space
You're responsible for damages or claims arising from your use of the space. If your business already carries commercial general liability insurance, that policy often extends to short-term rentals — check with your broker rather than assuming.
If the listing says the host requires insurance, you'll be asked at checkout for your carrier and policy number. We pass those to the host for their records. Booking without coverage isn't possible on a listing that requires it.
If you need to buy coverage
Markel sells short-term event liability insurance directly to the public. They told us their policies:
- Venues can be added to the policy as an Additional Insured
- Certificates of insurance are issued for the renter to share
- Coverage generally meets the requirements in standard venue contracts
That last point matters most: “Additional Insured” is the thing most hosts are actually asking for when they ask for proof of insurance. It means the host is named on your policy, so it responds if something happens in their space.
Markel is an independent insurance company with no ownership or financial relationship to NicheShift. We receive no commission or referral fee. Whether a given policy satisfies your host is between you, your host, and Markel — we can't make that call for you, and nothing on this page is insurance advice.
If you're hosting
You choose per listing whether proof of coverage is required. Setting it to required means a renter must supply a carrier and policy number before they can book. Setting it to optional lets renters book either way.
The license agreement attached to every booking establishes the legal relationship between you and the renter; it does not replace insurance, and neither does anything NicheShift provides. Talk to your own broker about how short-term rentals sit within your existing policy.
What NicheShift does enforce
- Identity verification on host accounts (via Stripe Connect).
- A signed license agreement on every booking.
- Cancellation and refund policy on every listing.
- A dispute process for damage and no-show claims.
See Trust and safety for the full picture, or contact support if you have a specific situation you'd like guidance on.