About Vacation Liability Insurance

Vacation Liability Insurance is a specialty division of Contractors Choice Agency, an insurance agency founded in 2005 and dedicated to serving specialty businesses with risks the standard market misunderstands.

We've focused on vacation and short-term rentals long enough to know the nuances that matter: why a homeowners policy's business-use exclusion leaves hosts exposed, why platform host guarantees aren't real insurance, how premises risk from pools and decks drives claims, and exactly what HOAs, lenders, and platforms require on a certificate.

Our approach is straightforward: understand how you host, shop specialty short-term rental carriers that price the risk fairly, and provide the certificates and service a busy property owner actually needs.