Every short-term rental owner must maintain at least $1,000,000 in commercial general liability insurance per occurrence, combined single limit, for each dwelling unit rented. Booking platforms must separately carry $1,000,000 liability naming the City as additional insured.
The ordinance requires the owner to keep in full force at all times a minimum of $1,000,000 in commercial general liability insurance per occurrence, combined single limit, covering bodily injury, personal injury, and property damage arising from the permit or STR activity, for each dwelling unit used as an STR. The owner attests to this coverage at application. Platforms have a parallel duty to carry at least $1,000,000 per-occurrence liability, issued by a Louisiana-authorized insurer, naming the City of New Orleans as an additional insured on a primary, non-contributory basis, with 30 days' advance notice of cancellation.
Letting required insurance lapse is a failure of a legal duty subject to at least a $1,000 fine per offense and grounds for suspension or revocation of the permit.
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See how Orleans Parish's insurance requirements rules stack up against other locations.
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