Yes. Applicants must show a certificate of insurance with adequate liability and property limits insuring at least $500,000 in liability and reflecting rental exposure. Coverage must stay in place for the entire two-year license period.
Section 4.A.2 requires proof of insurance as a condition of licensing: a certificate of insurance with adequate liability and property limits that at a minimum insures $500,000 in liability and shows a rental exposure. A new insurance certificate must be submitted yearly when the policy renews, or any time the policy changes. Boulder County's program confirms coverage must remain in force for the full duration of the two-year license, not just individual bookings. Standard homeowner's policies often exclude commercial rental use, so hosts typically need a short-term rental endorsement or dedicated policy showing rental exposure.
Failing to maintain or update the required insurance certificate is an ordinance violation and can block issuance or renewal, with fines and possible license suspension for continued non-compliance.
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