Little Rock requires registered short-term rental operators to carry liability coverage adequate for transient occupancy, listing the city as additional interest where the platform's host protection plan is the sole policy of record.
Under the Chapter 36 STR registration framework, hosts must demonstrate active liability coverage at the time of application and at renewal. Standard homeowner policies often exclude commercial transient use, so operators typically purchase a commercial STR endorsement or rely on platform host protection. Proof of insurance is filed with Planning & Development, and lapsed coverage is grounds for revocation. Hosts financing the property may also need lender consent, since many mortgages prohibit commercial use without an insurance rider. Annual renewal requires updated declarations.
Operating without proof of liability coverage exposes hosts to registration revocation, civil fines, and personal liability for guest injuries that homeowner carriers may decline to defend.
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Little Rock, AR
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