Short-Term & Vacation Rental Discussions
Market News & Data
General Info
Real Estate Strategies
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/hospitable-deef083b895516ce26951b0ca48cf8f170861d742d4a4cb6cf5d19396b5eaac6.png)
Landlording & Rental Properties
Real Estate Professionals
Financial, Tax, & Legal
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_trust-2bcce80d03411a9e99a3cbcf4201c034562e18a3fc6eecd3fd22ecd5350c3aa5.avif)
![](http://bpimg.biggerpockets.com/assets/forums/sponsors/equity_1031_exchange-96bbcda3f8ad2d724c0ac759709c7e295979badd52e428240d6eaad5c8eff385.avif)
Real Estate Classifieds
Reviews & Feedback
Updated over 2 years ago on . Most recent reply
![Michael K.'s profile image](https://bpimg.biggerpockets.com/no_overlay/uploads/social_user/user_avatar/984216/1680114203-avatar-michaelk384.jpg?twic=v1/output=image/crop=960x960@0x0/cover=128x128&v=2)
Insurance Policy for Airbnb with water activities
Question for any people with short-term rentals. I've got a property that abuts a small pond that is currently operated as an Airbnb. We provide kayaks free for use to all of our guests. In the instructions, we tell visitors that life jackets are required to be worn at all times while on the water and also have a sign posted on the property next to the kayaks.
The risk (drowning) presented here is similar to any home that might have a pool, EXCEPT for the fact that the activity takes place in a public pond, not directly on our property, so I don't think any homeowners/umbrella insurance policy would cover it. I'm not sure that Airbnb's policy wouldn't either, though I admit I haven't read through it in detail.
As one could imagine, free kayaking is a great value that we provide to our guests - so we want to continue this service. We have considered having all of our guests sign a waiver but that would present a logistical nightmare. Any suggestions for how we could better protect ourselves in case of an accident would be welcome.
Most Popular Reply
Since you are providing kayaks you really need to check with your insurance provider and see what they say. Signing a waiver is a piece of cake. Just use something like SignNow or DocuSign. But I would run this scenario by your insurance provider. I have indoor pools in my STRs and my insurance company requires me to have guests sing a rental agreement with specific verbage that they provide,