At SpacePal, we know the most important thing is that your event runs smoothly and stress-free. That’s why we offer General Liability Insurance, designed specifically for short-term bookings, to protect hosts when they welcome guests into their spaces.
This insurance provides supplemental coverage, meaning it acts as an extra layer of protection against third-party legal claims in case of:
Bodily injury suffered by attendees during the event.
Damage to guests’ property.
Medical expenses arising from accidents inside the space.
Legal defense costs for covered claims.
Purchasing the insurance is optional, and you can activate it when confirming your booking. Once paid, it’s valid for that booking and offers peace of mind to both hosts and organizers.
Who is covered by SpacePal Insurance?
Who is covered by SpacePal Insurance?
The insurance applies only to hosts with bookings that are confirmed and paid through SpacePal. Bookings made outside the platform do not qualify.
👉 That’s why we always recommend keeping communication and payments within SpacePal, to ensure coverage and full protection of your space.
What does SpacePal Insurance cover?
What does SpacePal Insurance cover?
Accidents and bodily injuries to attendees.
Medical treatments, even when no legal liability has been established.
Legal defense costs for covered claims.
Damage to third-party property, including rented spaces during the booking.
What is not covered by SpacePal Insurance?
What is not covered by SpacePal Insurance?
Key exclusions include:
Intentional or expected injuries.
Loss of income if the space is unavailable due to repairs.
Time spent fixing damages.
Liquor liability if the host commercially sells or distributes alcohol.
Work-related accidents covered by employment laws.
Pollution or contamination of any kind.
Losses related to vehicles, aircraft, or watercraft.
Damage to your own property or items loaned to the host.
How does it compare to homeowners or business insurance?
How does it compare to homeowners or business insurance?
SpacePal Insurance is designed for events and short-term rentals. It does not replace your existing homeowners or business policy—it complements it.
Your primary policy covers the regular operation of your property.
SpacePal focuses on incidents that may occur during a one-off event, like injuries or third-party damages.
Together, both policies work hand in hand: your primary insurance provides the base coverage, while SpacePal gives you an extra layer of protection every time you accept a booking.
Important to know
This coverage is supplemental: it activates when your primary insurance (if you have one) is exhausted.
It does not cover all possible damages, but SpacePal also offers a property damage guarantee program.
We recommend documenting the condition of your space before and after each event to speed up any claims.
Conditions and exclusions may apply depending on the type of event and space.
👉 Want to activate insurance for your next booking? Contact us and our team will guide you step by step.