Prince George's County short-term rental hosts must obtain liability insurance of at least $1,000,000 and provide a copy of a current, valid policy. A hosting platform's liability coverage may satisfy this if it is at least $1,000,000 and approved by DPIE.
Under CB-11-2018 (Subtitle 5, Division 8), a short-term rental license applicant shall obtain liability insurance of at least $1,000,000 and provide a copy of current and valid liability insurance of at least $1,000,000. The host may utilize a platform's liability insurance if that coverage is at least $1,000,000 and is approved by the Department. This coverage must be continuously maintained throughout the license term. The county's official short-term rental FAQ confirms that applicants attest to having $1 million in liability insurance and provide a copy of the policy. Related safety attestations (smoke and carbon-monoxide detectors and fire extinguishers) accompany the insurance requirement in the application.
Failing to obtain or maintain at least $1,000,000 in liability coverage, or misrepresenting insurance status, is grounds for immediate denial or revocation of the short-term rental license, since all requirements must be continuously maintained throughout the license term.
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