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 through the Airbnb platform, and cases where the Host incurs damage because property they own is damaged due to the Guest’s* stay. In cases where property that is owned by the Host 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 31, 2022 to July 31, 2023.

Scope and conditions

Scope and conditions of applying for Japan Host Insurance

Compensation for damage to property owned by the Host
Subject to applicable terms, conditions, and exclusions, Japan Host Insurance coverage will be paid for destruction of the Listing* and personal property that is owned by the Host* due to the Guest’s* stay. Insurance coverage for damage to a Listing that the Host leases or is entrusted to manage may be provided under the additional coverages described immediately below.

Compensation for the Host’s liability for injury or property damage
Japan Host Insurance also covers Hosts for liability they incur for injury or property damage to a Guest or others during the Guest’s stay at the Listing as reserved on the Airbnb platform and caused by the Home-sharing Business.*

Compensation for expenses incurred by the Host for payments they must make to others to resolve accidents involving injury or property damage
In cases where the Host incurs expenses due to payment they are required to make to resolve an accident involving bodily injury or property damage to a Guest or others, Japan Host Insurance may apply to cover the expenses that the Host has incurred. The accident must be caused by the Home-sharing Business and occur during the Guest’s stay at the Listing as reserved on the Airbnb platform for coverage to apply. Each coverage described above is subject to applicable terms, conditions, and exclusions of the Japan Host Insurance policy.

  1. Covered Accommodation

Japan Host Insurance covers the Listing that the Host owns, leases, or is entrusted to manage 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, or notified under the Housing Accommodation 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 by the Host, rented by the Host, or entrusted to the Host to manage;
  • 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 accommodation 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 who provide Listings and are licensed or otherwise permitted to do so in accordance with applicable law.

    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.

    Insurance coverage

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

    Coverage exclusions

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

    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 apply to 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 occurring before or after the Guest’s stay at the Listing as reserved on the Airbnb platform.
    • 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 and expenses incurred by the Host)

    • 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.
    • Expenses or liability to relatives living with Hosts, except for cases where the Host incurs liability or expenses for necessary payments to such relatives for damage to a Listing the Host has leased or been entrusted to manage.
    • Expenses or 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.
    • Expenses for accidents or liability caused by wastewater or emissions.
    • Expenses for accidents or 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.
    • Expenses for accidents attributable to or 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.
    • Expenses for accidents attributable to or liability arising from the construction work of a Listing leased or that the Host is entrusted to manage, such as renovation, extension or demolition, excluding where the Host engaged in the work of his/her own undertaking.
    • Expenses for accidents or liability resulting from destruction of a Listing leased or entrusted to the Host to manage caused by earthquakes, eruptions, floods, tsunamis, or similar natural phenomena, except for cases where the damage is caused by fire.
    • 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, 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, conditions, limitations, and exclusions 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.