Online deposit included
Create my guideWhat insurance does your Airbnb concierge business need?
"Do you have professional insurance?" comes up every week in host groups. The honest answer depends on one thing: who collects the guests’ money.
Two business models, two legal regimes
Behind "professional insurance" hide two very different situations. Identify yours before comparing prices.
Case 1
You are a service provider
Cleaning, check-in, key handover, linens, guest communication: the owner collects the money through Airbnb, and you invoice your services.
- Unregulated activity: professional liability insurance is not legally required
- But required almost everywhere in practice: serious owners and building managers ask for it before signing
- Working without it means betting your cash flow on the first water damage claim
Case 2
You fall under the Hoguet law
You collect rent in your own name, sign leases on behalf of the owner, or manage under a management mandate.
- Professional license (carte G) required, issued by the CCI
- Professional liability insurance and financial guarantee are mandatory to obtain the license
- Operating without the license: up to 6 months in prison and a 7,500 € fine
What concierge liability insurance actually covers
Real claim examples published by insurers: a lost key requiring a full lock replacement (1,200 €), a tap left running and water damage at the neighbour’s (8,500 €), a decorative item broken during cleaning (3,200 €). Three ordinary claims a small business struggles to absorb alone.
Professional liability
Covers mistakes in the service itself: lost key, damage during cleaning, scheduling error, and immaterial damage such as the owner’s lost revenue.
Operational liability
Covers damage during your activity but outside the service: a client slipping in your office. Watch out: often a paid option with online insurers, check it is included.
Financial guarantee (carte G)
Mandatory only if you collect funds on behalf of third parties. It protects the owners’ money. Without it, no carte G.
Damage to entrusted property
Covers the owner’s property you handle: keys, furniture, appliances. Check the per-claim ceilings, often low in entry-level contracts.
What it costs in 2026
Two product families, two orders of magnitude. That is why answers vary so much in Facebook groups: people are not talking about the same product.
Service provider (no carte G)
9 to 15 €/month
That is 110 to 180 € per year for a starting micro-business (observed in June 2026). Standard service-provider liability insurance.
Carte G (Hoguet law)
Several hundred €/year
Real-estate-specific liability insurance + financial guarantee. A different product, a different budget.
For detailed pricing, insurer by insurer, and selection criteria: our 2026 concierge liability insurance comparison (prices and insurers)
5 things to check before signing
- Operational liability included, not as an option
- Damage caused by your subcontractors covered (or certificate required)
- Immaterial damage (owner’s lost revenue) covered
- Per-claim ceilings consistent with the properties you manage
- Deductible reasonable for your cash flow
Subcontractors and guest damage: the two blind spots
You delegate the cleaning and the cleaner breaks the glass roof? Some contracts cover your subcontractors, others exclude them. Survival rule: require the subcontractor’s insurance certificate before the first job, and archive it.
And damage caused by guests? That is not the job of liability insurance. It is the job of the deposit: LivretAccueil includes a free online deposit (secure link, no card imprint, chargeable months later in case of damage).
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Frequently asked questions
Not if you are a simple service provider (cleaning, check-in, the owner collects the money): it is not legally required, but owners and building managers demand it in practice. It becomes legally mandatory, along with the financial guarantee, as soon as you collect rent or manage under mandate (Hoguet law, carte G).
Expect 110 to 180 € per year (9 to 15 €/month) for a starting service-provider micro-business, prices observed in June 2026. Carte G products (real-estate liability + financial guarantee) cost several hundred euros per year: they are different products, hence the price gaps in discussions.
Professional liability covers mistakes in the service (lost key, damage during cleaning). Operational liability covers damage outside the service (a client slipping in your premises). Some online contracts charge the second as an option: check both are included.
Not necessarily: some contracts include them, others exclude them. In all cases, require each subcontractor’s insurance certificate before the first job and keep it on file.
No. Liability insurance covers damage YOU cause. For guest damage you need a deposit: LivretAccueil includes a free online deposit with deferred charging in case of damage.
Protect your rentals end to end
Insurance for your business, online deposit for guest damage: create your free welcome book and activate the deposit in one click.
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