Parma, OH Short-Term Rentals: Insurance Requirements (2026)

04(a)(11) requires that every permitted short-term rental maintain a general liability insurance policy or certificate providing minimum coverage that meets specific requirements. Subsection (A) sets the dollar floor at not less than three hundred thousand dollars ($300,000), and requires that the policy or certificate be issued by an insurance company admitted to do business in the State of Ohio, or by an eligible surplus lines company or risk retention group. That requirement applies whether the host is relying on a standalone policy or on coverage extended through the hosting platform under the alternative in subsection (11)'s opening clause, so a host cannot rely on a platform policy carrying less than $300,000 in general liability coverage and still be in compliance.

Subsection (B) adds a procedural condition on top of the dollar figure: the policy or certificate has to give the Commissioner at least ten days' notice before the coverage is cancelled, so the city has advance warning rather than discovering a lapse after the fact. 03(b)(6) requires an applicant to submit proof of liability insurance for the rental unit alongside the names of any hosting platforms used, meaning the $300,000 minimum has to be documented before the Commissioner ever issues the permit, not just maintained afterward.