Salt Lake City requires $1,000,000 liability insurance per SLC Code Chapter 5.90 for all short-term rentals. Proof of coverage is submitted with conditional use permit and business license applications.
Under SLC Code §5.90.070 (Short-Term Rentals), operators must carry commercial general liability insurance of at least $1,000,000 per occurrence covering the STR use. The City of Salt Lake City must be named as an additional insured or certificate holder, and proof (ACORD certificate) is submitted with the conditional use permit application and renewed annually with the business license. Standard homeowners insurance typically excludes business/short-term-rental use — operators generally need a commercial policy or a specific STR endorsement (e.g., Proper Insurance, Slice, CBIZ). Airbnb's Host Protection/AirCover and Vrbo's liability coverage do NOT satisfy SLC requirements on their own. Lapse in coverage is automatic grounds for license suspension.
Operating without required insurance: license suspension immediate + $500 fine + must cease operations until proof filed. Property damage or injury uninsured: personal liability for full losses.
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