$1M Host Protection Insurance

In the rare event that someone is injured during a Sniffspot visit, Sniffspot provides all Sniffspot hosts with A+ rated coverage for third-party general liability claims at no additional charge.

I cannot emphasize how rare this insurance is - as far as we know, this insurance has never before been issued. We had an insurance company design and issue a new policy type just for our Sniffspot hosts.

Host Protection Insurance provides liability coverage for up to $2,000,000 aggregate ($1,000,000 per occurrence) in the event of legally required payments from third-party claims of bodily injury in relation to booked Sniffspot visits.

More details:

Applies to hosts in the United States of America, Puerto Rico, and Canada (see below for coverage for hosts outside these areas)
Covers incidents occurring up to 30 minutes before booked visits, during booked visits, and up to 30 minutes after booked visits. Note: This needs to be the scheduled time of the visit as per the Sniffspot app.
Covers incidents occurring at or near the Sniffspot location
Defense costs are outside the limits
There are limitations to liability coverage of Extras offered. Read more here.
In order to be eligible for coverage, hosts need to be compliant with Sniffspot Terms of Service.

Some relevant examples of what Host Protection Insurance does not cover include but are not limited to the following:

Injuries to a host resulting from a visit
Damage to host property or animals (see our property damage coverage)
Injuries caused by animals owned by the host
Injuries to animals, including dogs (see below for separate protection related to dogs)
Violations of privacy through recording
Intentional acts where liability is not the result of an accident
Injuries caused by host firearms
Injuries caused by weather and acts of god
Injuries resulting from fungi or bacteria
Violations of law by the host

Injuries to dogs

Injuries to dogs that might occur during the booked visit are not currently covered by our $1M Host Protection Insurance. Instead, Sniffspot provides separate protection up to $10,000 per occurrence in the event of legally required payments from third-party claims of bodily injury to dogs in relation to booked Sniffspot visits. This is provided by Sniffspot, not a third-party insurance provider. Defense costs are inside the limits. All other limitations and exclusions of our $1M Host Protection Insurance apply, including that host dogs are not covered.

Coverage for hosts outside United States of America, Puerto Rico, and Canada

We are excited to announce that we are expanding our protection to hosts around the world with our new Global Host Protection Guarantee. This guarantee provides liability coverage for up to $1,000,000 aggregate ($100,000 per occurrence) in the event of legally required payments from third-party claims of bodily injury in relation to booked Sniffspot visits.

More details:

Applies to hosts outside the United States of America, Puerto Rico, and Canada.
Covers incidents occurring up to 30 minutes before booked visits, during booked visits, and up to 30 minutes after booked visits. Note: This needs to be the scheduled time of the visit as per the Sniffspot app.
Covers incidents occurring at or near the Sniffspot location
Defense costs are inside the limits
There are limitations to liability coverage of Extras offered. Read more here.
In order to be eligible for coverage, hosts need to be compliant with Sniffspot Terms of Service.
Please note, this is not an insurance policy, but rather a guarantee provided directly by Sniffspot to ensure your protection and support.

Some relevant examples of what Host Protection Guarantee does not cover include but are not limited to the following:

Injuries to a host resulting from a visit
Damage to host property or animals (see our property damage coverage)
Injuries caused by animals owned by the host
Injuries to animals, including dogs (see below for separate protection related to dogs)
Violations of privacy through recording
Intentional acts where liability is not the result of an accident
Injuries caused by host firearms
Injuries caused by weather and acts of god
Injuries resulting from fungi or bacteria
Violations of law by the host

Injuries to dogs

Injuries to dogs that might occur during the booked visit are not currently covered by our Global Host Protection Guarantee. Instead, Sniffspot provides separate protection up to $10,000 per occurrence in the event of legally required payments from third-party claims of bodily injury to dogs in relation to booked Sniffspot visits. This is provided by Sniffspot, not a third-party insurance provider. Defense costs are inside the limits. All other limitations and exclusions of our Global Host Protection Guarantee apply, including that host dogs are not covered.

We remain committed to keeping all hosts safe and supported as part of our global community. For questions or more details, please contact our support team.

Updated as of October 24, 2024

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