If You Get Hurt While Staying in an Airbnb, Who’s Responsible?

While the possibility of being injured while staying at an Airbnb might be the last thing on your mind, you need to know what to do if the unthinkable should occur. Here’s what you need to know about handling an injury situation at an Airbnb.

Airbnb Hosts Have Liability Coverage

If you suffer an injury that the host is liable for, the host is covered up to 1 million U.S. dollars by Airbnb’s insurance. This is equivalent to around 900,000 euros, and it is enough to cover just about any injury-related lawsuit.

Source: Host Protection Insurance

There are Two Types of Civil Courts in the U.K.

If your claim is large, you can get a trial for your case. However, if you have a smaller claim, your case will be held in a different court that does not include a trial, and U.K. small claims court is reserved exclusively for claims of less than 10,000 euros.

Source: Civil Justice in England and Wales

What Can You Sue for in the U.K.?

In order to sue for premises liability, you need to be able to prove that the owner of the property was negligent. These are a few examples of situations where you may be able to sue for damages:

  • If you have suffered an injury as a result of ice and snow that a property owner did not clear properly, then it is the result of negligence on the owner’s part.
  • If a property owner did not repair his or her premises, you may be able to sue if it resulted in an injury.
  • If you suffered an illness as a result of the property owner’s negligence, you may be able to sue for damages that resulted.

However, if the injury occurred as a result of your activity on the premises, you won’t be able to sue.

Source: Premises Liability Law

The Host’s Personal Homeowners Insurance Can Protect You

If they have this coverage, it may compensate for damages that aren’t covered by Airbnb’s coverage, but this additional personal homeowners insurance coverage varies greatly from one plan to another. These insurance policies will help to ensure that the host has the funds to pay you if you win the lawsuit.

Source: If an Airbnb Guest Is Injured on Your Property, Will You Get Sued?

If you are injured on the premises of an Airbnb property, you might be able to win a lawsuit. However, it’s important to be familiar with U.K. laws regarding when you can sue for damages, and you should always make sure that you hire a competent barrister.

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