Short-term rental platforms like Airbnb and VRBO have transformed summer travel - but what happens when a guest gets hurt?
Barry Goodman, co-founder and partner at Goodman Acker, says renters and property owners alike are often unprepared for the legal and financial consequences of injuries at vacation rentals, from slip-and-falls to dog bites to out-of-control parties.
The Hazards Are Closer Than You Think
Goodman says the most common injuries stem from basic property defects: uneven floors, poor lighting, and faulty railings. He described one case where a guest opened a door, stepped into darkness, and tumbled down a flight of stairs to a basement.
“Doors are supposed to come out to you when you’re at a stairway,” Goodman said, noting the homeowner was held liable. He added that pools, bikes, kayaks, boats, and golf carts all present additional risk on rental properties.
Who Bears Liability?
Goodman said responsibility can fall on the owner, the renter, or both - depending on the circumstances. He pointed to a recent incident in Birmingham in which a renter hosted a party that spiraled out of control, with bullets flying into neighboring homes.
He urged renters to inspect properties the moment they arrive and document any pre-existing damage.
“You want to let the owner know because they’re going to claim that you did it,” Goodman said.
Owners: Get the Right Insurance
For property owners, Goodman’s advice was direct: inspect constantly, fix problems fast, and carry the right coverage.
“The cost of that repair is going to save you a lot of money compared to the cost of litigation and an accident,” he said.
He recommended owners obtain a commercial general liability (CGL) policy separate from their standard homeowners insurance, which typically excludes business use.
“You have to make sure you have the right policy. Should have at least $1 million in liability coverage. And if you can afford it, you should have 2,” Goodman said.
If You’re Injured: Act Fast
If an injury does occur, Goodman outlined a clear order of steps: seek medical attention immediately, photograph the scene, notify the owner, and contact a lawyer.
“Get medical attention. Secondly, take pictures,” he said. He cautioned against dealing directly with insurance companies without legal representation.
Renters should also check whether their own homeowners policy extends to short-term rentals - it often does.
“Coverage is important and watching out for safety,” Goodman said.
To watch the segment, click on the video above. If you have a case you’d like to inquire about, contact Goodman Acker at GoodmanAcker.com or 248-985-8236.