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What is liability? Does ShareCover Short-stay landlord offer liability cover?

Liability refers to financial costs you face from a claim or legal action made against you by another party, which could be a guest.

For example, a guest may trip down the stairs in your home and become wheelchair bound. The guest could take legal action against you to compensate them from lost earnings and cost of care for the rest of their lives, which could run into millions of dollars. If you are found to be responsible for the accident, and you don’t have liability cover, you may have to personally foot the bill.

ShareCover Short-stay landlord offers liability cover of up to $10 million, should you be held legally liable for injury or damage as owner of your home during a guest’s stay.

Please see our Product Disclosure Statements for more details.

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ShareCover is issued by Insurance Australia Limited ABN 11 000 016 722 AFS Licence No. 227681 trading as ShareCover Enterprises. When making decisions about a product, always read the Product Disclosure Statement (PDS). For home policies, please also read our Key Fact Sheets (KFS) for buildings and contents which set out some of the events/risks covered and not covered by our home policies and other information you should consider. These sheets do not provide a complete statement of the cover offered, exclusions, conditions and limits that apply under the policies. You should carefully read the Product Disclosure Statement (PDS) and all policy documentation for more details.

To help you make an informed choice on insurance visit the Australian Government website:

ShareCover Enterprises is owned by Insurance Australia Limited and is not related to either Airbnb, Bolt,, DiDi, OLA, Shebah, Spacer, Stayz and Uber. References to these platforms on this website do not constitute an endorsement by these platforms of ShareCover nor an endorsement of these platforms by ShareCover; nor IAG being partnered with these platforms.