Orange, CA Short-Term Rentals: Insurance Requirements (2026)

00 general aggregate. 040(F) separately lists proof of the required liability insurance as one of the mandatory components of the permit application itself, alongside the owner's contact information, a parking diagram, an indemnification agreement, and a business license application. The chapter builds in an alternative compliance path: instead of maintaining a personal policy, an owner may submit proof satisfactory to the City that short term rental transactions will be conducted solely through a booking platform that itself provides equal or greater liability insurance coverage than the $1 million threshold.

This mirrors how major platforms bundle host liability coverage into their terms of service, letting a City-approved platform substitute for a standalone policy. 040(C), under which the permittee agrees, in a City Attorney-approved form, to hold the City harmless from claims arising out of the short term rental's operation. 060), a lapse in coverage after permit issuance is a compliance failure under the chapter, not merely an application defect.