Parma, OH Short-Term Rentals: Host Platform Liability (2026)

04(a)(11) gives hosts two ways to satisfy the chapter's insurance mandate: all short-term rental hosts must obtain liability insurance for the short-term rental or provide proof that the short-term rental and short-term rental host are named insured under the hosting platform's liability insurance, in the amounts the section sets. In practice, a host booking exclusively through a platform that already extends liability coverage to hosts, rather than buying a separate standalone policy, can satisfy the requirement by documenting that they and the rental are named insureds on that platform's policy, so long as the coverage meets the dollar minimum set in subsection (11)(A).

Whichever route a host takes, subsection (11)(B) requires the policy or certificate to give the Commissioner at least ten days' notice before the coverage is cancelled, and subsection (11)(C) makes the consequence automatic: any cancellation of the required insurance results in automatic revocation of the short-term rental permit. That means a host cannot let coverage lapse and keep operating while sorting out a replacement policy, since the permit itself dies with the insurance rather than triggering a separate hearing first. 03(b)(6), which asks for the names of all hosting platforms used and proof of liability insurance for the rental unit, the Commissioner checks the platform-or-standalone insurance question before a permit is ever issued, not only after the fact.