$1M 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 aggregate ($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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