Miami requires short-term rental operators to attest to holding liability insurance covering transient occupants as part of the Certificate of Use application. Florida DBPR licensing also requires proof of insurance for vacation rental licenses.
The City of Miami requires STR operators to provide attestation of insurance coverage for injury or harm to transient occupants or other invitees as part of the Certificate of Use process. While the city does not mandate a specific minimum dollar amount, the Florida Department of Business and Professional Regulation (DBPR) vacation rental license process may require proof of adequate liability coverage. Most platforms like Airbnb and Vrbo provide host protection insurance, but this does not replace the operator's obligation to maintain their own policy. Industry standard is $1 million in commercial general liability. Insurance must remain active throughout the permit period with no lapses in coverage.
Operating a short-term rental without valid insurance may result in Certificate of Use suspension. Liability for guest injuries falls entirely on the operator if insurance lapses.
Miami, FL
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Miami, FL
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Miami, FL
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Miami, FL
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Miami, FL
Outdoor kitchens in Miami require building, mechanical, electrical, and plumbing permits from the City of Miami Building Department under the Florida Buildin...
Miami, FL
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Side-by-side rule comparisons with other cities in Miami-Dade County.
See how other cities in Miami-Dade County handle insurance requirements.
See how Miami's insurance requirements rules stack up against other locations.
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