Massachusetts state law preempts this topic. MGL c.175, §4F (added by Chapter 337 of the Acts of 2018) requires every short-term rental operator in Brockton to maintain at least $1,000,000 in liability insurance per stay, unless the booking platform provides equal or greater coverage. Brockton has not adopted a separate local insurance ordinance.
Brockton STR hosts are governed by the statewide insurance mandate added by Chapter 337 of the Acts of 2018. The operative provision, codified at MGL c.175, §4F(b), states that an operator shall maintain liability insurance of not less than $1,000,000 to cover each short-term rental, unless that rental is offered through a hosting platform that maintains equal or greater coverage. The coverage must defend and indemnify the operator and any tenants or owners in the building for bodily injury and property damage arising from the short-term rental. Standard Massachusetts homeowner (HO-3) and condominium (HO-6) policies typically exclude business or short-term rental activity, so most Brockton hosts either add a short-term rental endorsement to their homeowner policy or carry a dedicated landlord/STR policy that meets the $1M per-stay threshold. Major platforms satisfy the carve-out: Airbnb's AirCover Host Liability Insurance and Vrbo's Liability Insurance both publish $1,000,000 per-occurrence limits. Operators are also required, under MGL c.64G, §6 and MGL c.62C, §67, to register with the Massachusetts Department of Revenue Short-Term Rental Registry. Section 13 of c.64G obligates intermediaries (Airbnb, Vrbo) to verify operator registration before listing the property. Brockton's own Code of Ordinances (Appendix C - Zoning) does not impose any local insurance requirement above the state $1M floor.
Operating a short-term rental in Brockton without the $1,000,000 liability coverage required by MGL c.175, §4F is a violation of the Massachusetts STR law. The Department of Revenue may revoke or refuse to issue the STR Certificate of Registration under MGL c.64G, §6, and platforms are required by MGL c.64G, §13 to delist non-compliant operators. Civil exposure for an uninsured incident at the rental falls personally on the operator.
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