Post by High Priestess on Sept 20, 2015 23:56:20 GMT
Peter shared this:
Questions About Airbnb’s Responsibility After Attack by Dog
"Quite often, a host’s Airbnb listing will make no mention of a pet. The
Salta listing and reviews didn’t mention the fact, and in the first
couple of days that Mr. Silverman and his wife stayed at the property,
the dog never barked or growled or moved much, despite plenty of
activity near the building, according to Mr. Silverman.
Which is why he was shocked when he stuck his hand out to the dog for a sniff a few days into his Salta stay, only to have the dog leap and clamp its jaw on his arm.
In some respects, Mr. Silverman was lucky. He has
a plate in his forearm from a motorcycle accident, and he believes that
when the dog’s teeth hit the plate, it loosened its grip momentarily to
try to bite again. At that point, he was able to get away. 'I looked
down, and I knew instantly it was bad,' he said. 'I could see my artery,
the tendons exposed and the muscle. There was blood everywhere.'”
Click on.fb.me/1NrqlCf for NY Times article (because it is behind a pay wall, this link will
take you to the Home Sharers Facebook page where you can link to the
whole story for free)
My two cents: This happened in Argentina, where Hosts are not protected by Airbnb's Liability Insurance. Still, the story is illustrative of an issue Home Sharers has frequently looked into and we have conducted many Meetups on this topic. Let's hope Airbnb will extend its Host Liability Insurance beyond US asap. In the meantime, all US Hosts take note: because the Airbnb Liability Insurance is secondary coverage, you should examine your homeowners insurance policy, inform your broker about your short-term rental activities and make sure you are made aware of any consequences to your policy (e.g. your insurer will not cancel your policy). Lastly, get in writing what your broker tells you.
Questions About Airbnb’s Responsibility After Attack by Dog
"Quite often, a host’s Airbnb listing will make no mention of a pet. The
Salta listing and reviews didn’t mention the fact, and in the first
couple of days that Mr. Silverman and his wife stayed at the property,
the dog never barked or growled or moved much, despite plenty of
activity near the building, according to Mr. Silverman.
Which is why he was shocked when he stuck his hand out to the dog for a sniff a few days into his Salta stay, only to have the dog leap and clamp its jaw on his arm.
In some respects, Mr. Silverman was lucky. He has
a plate in his forearm from a motorcycle accident, and he believes that
when the dog’s teeth hit the plate, it loosened its grip momentarily to
try to bite again. At that point, he was able to get away. 'I looked
down, and I knew instantly it was bad,' he said. 'I could see my artery,
the tendons exposed and the muscle. There was blood everywhere.'”
Click on.fb.me/1NrqlCf for NY Times article (because it is behind a pay wall, this link will
take you to the Home Sharers Facebook page where you can link to the
whole story for free)
My two cents: This happened in Argentina, where Hosts are not protected by Airbnb's Liability Insurance. Still, the story is illustrative of an issue Home Sharers has frequently looked into and we have conducted many Meetups on this topic. Let's hope Airbnb will extend its Host Liability Insurance beyond US asap. In the meantime, all US Hosts take note: because the Airbnb Liability Insurance is secondary coverage, you should examine your homeowners insurance policy, inform your broker about your short-term rental activities and make sure you are made aware of any consequences to your policy (e.g. your insurer will not cancel your policy). Lastly, get in writing what your broker tells you.