$2M Host Protection Insurance

In the rare event that a guest or guest's dog is injured during a Sniffspot visit, Sniffspot provides coverage for 3rd party general liability claims to all Sniffspot hosts 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 primary liability coverage for up to $2,000,000 ($1,000,000 per occurrence) in the event of legally required payments from a third-party claim of bodily injury in relation to a booked Sniffspot visit. Hosts have Additional Insured status for being registered backyard owners on the SniffSpot app.

More details:

Applies to the United States of America, Puerto Rico, and Canada.
Does not cover injuries to a host resulting from a visit
There are limitations to liability coverage of Extras offered. Read more here.
Damage to property is not covered (this is covered by our property damage coverage)
Host Protection Insurance is subject to our Terms of Service

Some relevant examples of what Host Protection Insurance doesn’t cover:

Intentional acts where liability isn’t the result of an accident (except in cases of self defense)
Contractual liability (liability related to not providing contractually agreed upon services)
Liquor liability when providing alcoholic drinks
Workers compensation
Employer's liability
Pollution liability (liability from pollution from your business)
Aircraft, Auto Or Watercraft
Mobile equipment (e.g. any vehicles with permanently attached cranes, diggers, drills or loaders)
War
Acts of terrorism

AM Best gives our insurance carrier a rating of A (Excellent).

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