Henderson requires STR operators to carry at least 500,000 dollars in liability insurance. Platform-provided host protection may satisfy part of the requirement.
The Henderson STR ordinance requires operators to maintain commercial general liability insurance of at least 500,000 dollars per occurrence covering bodily injury and property damage arising from STR operations. Proof of insurance must accompany the permit application and be renewed annually. Standard homeowner policies typically exclude short-term rental activity, so hosts must add a business endorsement or purchase a dedicated STR policy. Airbnb AirCover provides up to 1 million dollars in host liability and is generally recognized, while VRBO offers similar host protection; platform coverage can satisfy the minimum for bookings on that platform but standalone liability coverage is still recommended. Workers compensation may be required if the host employs cleaners. HOA master policies under NRS 116 do not extend to STR commercial risk.
Contact your local code enforcement office for specific penalty information.
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