Greenville County does not require short-term-rental operators to carry a specific liability insurance policy. The Bed and Breakfast conditions instead require compliance with all tax, fire, building-code and DHEC requirements before and during operation, which drives most safety obligations.
No provision in the Zoning Ordinance or County Code sets a minimum liability-insurance amount for short-term rentals or B&Bs. Section 6:2(4)(E) requires that all Bed and Breakfast establishments meet all tax, fire and building-code requirements and DHEC requirements prior to and at all times during operation, which is the county's chief safety hook. Operators should still carry adequate homeowner or commercial liability coverage, because standard residential policies often exclude commercial lodging use; that is a private insurance matter, not a county mandate.
Failing to meet the referenced fire, building-code or DHEC requirements is a zoning condition violation subject to enforcement; there is no separate insurance penalty because no insurance minimum is imposed.
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See how Simpsonville's insurance requirements rules stack up against other locations.
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