What are my insurance obligations?
To list their cars on Turo, hosts who decline insurance provided via Turo and hosts in countries outside of the US, Canada, and the UK must operate as Commercial Hosts. Commercial Hosts provide their own commercial insurance for themselves and to their guests, They, as the vehicle host or an authorized representative acting on behalf of the vehicle host, are exclusively responsible for providing commercial rental insurance coverage for any trip booked through Turo. Commercial Hosts must discuss their coverage limits and associated costs with their guest before the trip starts. Read the disclosure requirements for Commercial Host vehicle listings.
If you are operating as a Commercial Host, you must carry no less than the minimum applicable liability and/or physical damage automobile insurance for your vehicle, your guest, and their authorized drivers. When you select to decline a protection plan or where none is offered in your region, you represent and warrant the following:
- You’re a licensed commercial rental car company or are authorized to act on behalf of and bind a commercial rental car company in connection with listing vehicles on Turo; or
- You’re a company, or are authorized to act on behalf of, and bind a company, that can offer commercial rental car insurance to renters.