$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.
- 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.
Updated as of August 5, 2024
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