Lexington, KY Short-Term Rentals: Insurance Requirements (2026)

Sec. 13-77 lists a certificate of insurance, or other valid proof of general liability coverage of at least $1,000,000.00 per occurrence, among the required application items for a short-term rental special fee license, alongside the property address, owner and operator contact information, an emergency contact, Division of Planning zoning approval, the maximum occupant count, and a site/floor plan. The section specifies the coverage must remain in effect at all times while the licensee is engaged in the licensed short-term rental activity, not just at the moment of application. The insurance requirement sits alongside affidavits confirming the Sec. 13-79 health and safety standards, smoke detectors, a carbon monoxide detector, a fire extinguisher, an emergency egress opening, and posted emergency information, and confirming ongoing compliance with building, fire, and other applicable codes, all of which the Director reviews before issuing the special fee license through the Division of Revenue.