DC STR hosts must maintain liability insurance of at least $250,000 per occurrence under DC Code section 47-2828.01(c)(4) and DCMR 14-9. Coverage can be obtained through a dedicated policy or through the hosting platform's host protection program if it meets the $250,000 minimum. Proof of coverage is required for BBL issuance and renewal.
DC's Short-Term Rental Regulation Act requires every licensed STR operator to carry a minimum of $250,000 in liability insurance, either via a personally held policy or through platform-provided host protection insurance. DCMR 14-9 allows Airbnb Host Liability Insurance, Vrbo Liability Insurance, and comparable platform programs to satisfy the requirement because they provide the required per-occurrence coverage. Hosts using non-platform channels or short-term stays via direct booking websites typically need a commercial policy or a home-sharing endorsement on their homeowners/renters policy, since standard HO-3 policies exclude commercial rental activity. DLCP requires proof of coverage (declarations page or platform verification letter) at initial BBL application and every two-year renewal. Multi-unit STRs, hosted rooms, and un-hosted stays all require the minimum. Failure to maintain coverage voids the license and exposes the host to personal liability for any guest injury or property damage claim. Condo and coop buildings often require higher coverage limits ($500,000 to $1 million).
Operating without required insurance: $500 fine plus license suspension until proof of coverage filed. False insurance certification: $2,000 fine under DCMR 16-3201 plus license revocation. Personal liability: host bears all damages above uninsured coverage.
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