Every Kailua B&B or TVU operator must carry at least $1 million in commercial general liability insurance or equivalent homeowner's coverage with business liability, and must submit proof at registration.
ROH Sec. 21-5.730 mandates that STR registration documentation include proof of $1,000,000 commercial general liability insurance, or a homeowner's policy endorsed for business use with equivalent limits. Many standard homeowner's policies exclude short-term rental activity, so Kailua operators typically need a dedicated STR rider or commercial policy. The coverage must name the property and remain active during the registration year; lapses invalidate the registration. Platform-provided host protection programs do not by themselves satisfy the requirement.
Operating without required insurance voids registration and exposes the owner to uninsured liability plus daily DPP fines.
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Kailua, HI
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