INSURANCE SUMMARY

Japan Host Insurance

What is Japan Host Insurance?

Japan Host Insurance covers cases where the Host* incurs liability or other expenses in relation to injury of others or damage to the property of others due to home sharing, and cases where the Host incurs damage because of the Host’s property being damaged due to the Guest’s* stay. In cases where the Host's property is damaged due to the Guest’s stay, the insurance coverage will apply when the dispute between the Host and the Guest cannot be resolved among themselves and the Host contacts Airbnb.

Japan Host Insurance is an insurance program underwritten by Sompo Japan Insurance Inc.

Hosts do not have to pay insurance premiums to have the benefit of the Japan Host Insurance program.

Please see the following information on the insurance coverage of Japan Host Insurance.

Insurance period

This insurance period of the current insurance program is from July 10, 2020 to July 31, 2021.

Scope and conditions

Scope and conditions of applying for Japan Host Insurance

Japan Host Insurance coverage will be paid for destruction of the Host’s property and liability or other expenses incurred by the Host in relation to the injury and destruction of others or their property during the time of home-sharing at the Listing.

  1. Covered Accommodation

Japan Host Insurance covers the Listing* that the Host owns, uses or manages for the Home-sharing Business.

(*) Listing means the facilities which have been approved under the Hotel Business Act, certified under the National Strategic Special Zones Act, notified under the Private Lodging Business Act, or other facilities in which similar accommodation business is conducted; provided however that all of the following requirements are satisfied:

  • The facilities are owned or rented by the Host;
  • The facilities are listed on Airbnb’s website; and
  • The facilities are booked and used by a person who has consented to Airbnb’s service conditions and used Airbnb’s website. Accommodation facilities include mobile homes, buses, camping cars, treehouses, and other facilities that are parked and used as accomodation facilities. Boats and watercrafts are also included if they are used as accommodation facilities.
  1. Host/Hosts

Hosts means persons engaging in the (*) Home-sharing Business.

  1. Guest/Guests

Guests means users of the (*) Home-sharing Business, including those who have been invited by the user and those who are jointly using the Home-sharing Business.

(*) Home-sharing Business means the hotel business set forth in the Hotel Business Act (Act No. 138 of 1948), business set forth in the National Strategy Special Area Act (Act No. 107 of 2013), or housing accommodation business set forth in the Housing Accommodation Business Act (Act No. 65 of 2017), or other similar accommodation business, and any activities conducted inside or outside of such Listing incidental to the services above, which are conducted pursuant to transactions using Airbnb’s Digital Platform.

Insurance coverage (conditions regarding liability)

Upper limit applicable during the insurance period is ¥100,000,000 JPY per accident.

Coverage exclusions

Main items that are not covered by Japan Host Insurance (clauses regarding compensation for property damage accidents)

Items which are not included in the Listing:

  • Currency, money, precious metal in bullion form, notes or securities.
  • Land, water or any other substance in or on the land; however, this shall not apply to improvements to the land consisting of landscape gardening, roadways and pavements (but shall apply to any added land or land beneath such property) or water that is contained within any enclosed tank, any piping system or any other processing equipment.
  • Animals, including, but not limited to, livestock and pets.
  • Standing timber and crops.
  • Watercraft, aircraft, spacecraft and satellites; however, this shall not apply to any watercraft that is not being operated and is being used as the Listing.
  • Vehicles; however, this shall not apo any vehicle that is not being operated and is being used as the Listing.
  • Underground mines or mine shafts or any property within such mines or shafts.
  • Dams, dikes and levees.
  • Property in transit.
  • Transmission and distribution lines beyond 305 meters from the Listing.

Main cases where insurance money is not paid:

  • War, use of force by a foreign country, revolution, seizure of government, civil war, armed rebellion, or other similar incidents or riots.
  • Damage caused by radiation, explosion or other harm due to a nuclear reaction or the decay of the atomic nucleus of nuclear fuel material or nuclear source material, radioactive element, radioisotope or material contaminated by such material, or an accident attributable thereto, excluding nuclear reactions or nuclear decay of atomic nuclei of radioisotopes for medical, scientific, or industrial use.
  • Terrorism.
  • Actual or threatened malicious use of poisonous biological or chemical materials.
  • Damage to the Listing occurring during a period other than the period in which the Listing is being used by Guests.
  • Damage caused by the willful misconduct or gross negligence of Hosts.
  • etc.

Main cases where insurance money is not paid (clauses regarding compensation for liability for damage)

  • War, use of force by a foreign country, revolution, seizure of government, civil war, armed rebellion, or other similar incidents or riots.
  • Damage caused by radiation, explosion or other harm due to a nuclear reaction or the decay of the atomic nucleus of nuclear fuel material or nuclear source material, radioactive element, radioisotope or material contaminated by such material, or an accident attributable thereto, excluding nuclear reactions or nuclear decay of atomic nuclei of radioisotopes for medical, scientific, or industrial use.
  • Damage caused by the willful misconduct of Hosts.
  • Liability to relatives living with Hosts.
  • Liability arising from physical disability incurred by the employees of Hosts while engaging in work for Hosts.
  • In cases where there is a special agreement concerning compensation for damages between the Host and another person, the liability is determined by such agreement.
  • Liability caused by wastewater or emissions.
  • Liability arising from professional work conducted by lawyers, registered foreign lawyers, certified public accountants, tax accountants, architects, designers, land and housing investigators, judicial scriveners, administrative scriveners, veterinarians, or other persons similar thereto.
  • Liability arising from the possession, use, or management of any aircraft, automobiles, or vessel or vehicle outside the Listing, excluding any damage due to the use or management of an automobile or a vessel or vehicle outside the facility while using such automobile or vessel or vehicle outside the facility as a Listing.
  • Liability arising from the construction work of leased facility, such as renovation, extension or demolition, excluding where the Host engaged in the work of his/her own undertaking.
  • etc.

Insurance claims

Notice of accident

If the Host notices an injury or property damage of the Guest or a third party, the Host should notify Airbnb immediately because insurance may be applicable. Likewise, if the Host becomes aware of damage to property which the Host owns or manages, the Host should notify Airbnb when they and their Guest aren’t able to come to an agreement for resolution of the case within 72 hours of first contacting the Guest because insurance may be applicable.

Request for delivery of insurance policy

This Japan Host Insurance overview does not include all the terms of the insurance policy. To request a copy of the insurance policy, please contact Marsh Japan, Inc. and include your Airbnb account information.

Underwriting insurance company

Sompo Japan Insurance Inc.