Liability Insurance Comparisons

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Insurance coverage tailored for vacation rental managers.

Wister is a hospitality insurance company division of the Proper Insurance company. Property managers and co-hosts have liability exposure for the properties they manage. Wister can offer hospitality policies to protect your business from risks like below;

  • Commercial General Liability
  • Errors & Omissions
  • Workers Compensation
  • And more




Insurance pricing varies according to the unique needs of your business. Contact Wister for a custom quote.


  • Recommended For the Following

    Individual Self-Managing Property Owners – No, Wister commercial business coverage is not likely to be needed by individual self-managing property owners if they have a strong insurance policy in place at the property level. – that included commercial liability

    Property Managers and Co-hosts – Yes, Wister is specifically designed to meet the unique risks and needs of property managers and co-hosts with large portfolios.


  • Features

    Property management companies and co-hosts have insurance business insurance needs beyond the property level.

    Coverages Offered

    • Commercial General Liability
    • Property Coverage – Coverage for properties owned and utilized by the property management company. The does not include coverage of the properties managed or co-hosted.
    • Errors & Omissions – Coverage in case you are sued for negligent acts, errors, or omissions committed during business activities that result in a financial loss.
    • Worker Compensation – Provides wages and medical benefits to teammates who have been injured on the job.
    • Commercial Auto – Coverage for vehicles used by your business.
    • Tenants Discrimination – Coverage for defense costs and loss incurred due to tenants alleging discrimination.
    • Cyber Liability – Coverage for data breaches and other cyber security issues.
    • Employee Benefits – Coverage for errors or omissions in the administration of employee benefit programs.
    • Directors & Officers – Protects company directors and officers from personal losses if they are sued by the organization’s employees, vendors, customers, or other parties.
    • Excess Liability – Umbrella-type coverage.

    Coverage Limits

    Varies by the policy.


    Customer Support

    A dedicated customer support team is available by phone and email.

  • Pros
    • Wister policies provide commercial-level liability and insurance coverage for property managers' and co-hosts' unique needs.
    • Wister policies are not one-size-fits-all. They can customize policies to fit your business’s needs.
    • They also write policies for bed and breakfasts and boutique hotels, events, etc.
  • Cons
    • Wister policies may be overkill for co-hosts and property managers who only have a small portfolio and don't have any employees, or office space. Still, a Wister policy may still make sense strictly from a liability protection position.  It's worth getting a quote to see if it would be a good fit for your business or not.