Insurance & Protection
CBIZ Vacation Rental Insurance
Specialty STR insurance for U.S. owner-hosts
Solid Option
Established specialty STR insurer — but you'll need to call for a quote
Contact sales • No free trial
Comparison
CBIZ Vacation Rental Insurance vs Safely
Pricing, pros and cons, and buyer-fit side-by-side. Pick the one that matches your operation — or see why neither should.
Insurance & Protection
Safely
Pay-per-booking vacation rental insurance with built-in guest screening
Best for Small Hosts
Best pay-per-booking insurance for low-to-mid occupancy hosts
From $8 • No free trial
✓Editorial verdict
Which Should You Pick: CBIZ Vacation Rental Insurance or Safely?
Pick CBIZ if you're a U.S. owner-host who wants a year-round commercial policy that replaces your homeowners coverage with dwelling, liability, contents, and business-income protection. Pick Safely if you're a low-to-mid occupancy host who wants pay-per-night insurance bundled with guest screening and zero cost during vacancy.
Editorial perspective from the CBIZ Vacation Rental Insurance side; factual claims about Safely are drawn from its review.
Pricing Side-by-Side
CBIZ Vacation Rental Insurance
Full pricing →Contact sales • No free trial
Contact sales
Quote-based pricing only — premiums vary by property amenities, location, and coverage limits. CBIZ does not publish rate cards; the vendor pricing path returned 404 on 2026-04-25 and the product site directs prospects to a phone/form quote workflow.
Try CBIZ Vacation Rental InsuranceSafely
Full pricing →From $8 • No free trial
Safely Protection Policy
$8/night
Estimated $800-$1,200/year per property depending on occupancy
Any; pay only when bookings occur
- Up to $1M primary commercial damage coverage
- $10K contents protection
- No monthly commitment; activates per-booking
- Bundled guest screening at $0.50/night
Guest Screening (standalone)
$5 per check
Drops to $0.50/night when bundled with Protection Policy
Any
- Access to SafelyScore guest database
- Identity verification
- Cross-reference against vacation-rental damage history
- Stand-alone option without full insurance coverage
Enterprise / Custom
Custom quote
Multi-property portfolios
- Everything in Protection Policy
- Volume pricing based on property count and location
- Custom deductible choices
- Dedicated account support
What each tool does well — and where it falls short
What CBIZ Vacation Rental Insurance does well
Specialty commercial coverage that replaces a homeowners policy
CBIZ markets a single bundled policy covering dwelling, contents, liability, and business income for STR use — addressing the property-damage and liability gaps that platform-provided host policies and standard homeowners policies typically exclude.
High commercial liability limits available
Policies are written with up to $2 million general aggregate and $1 million per occurrence, suitable for owners with pools, hot tubs, or watercraft amenities that drive higher liability exposure.
A-rated carrier with deep tenure in the niche
CBIZ has been insuring vacation rental properties since 2002 and the current national program is backed by an A-rated insurance carrier, per the 2025 program-relaunch press release.
What Safely does well
Proprietary SafelyScore database screens guests against actual vacation rental damage history
No other platform has a comparable industry-specific damage database. Screening also covers criminal databases, sex offender registries, and Interpol/Europol watchlists.
98% of claims paid in 4.5 days with sub-$1K claims within 24 hours
Operators document damage with photos and receipts — no guest confrontation required. Homeowners have up to 60 days to file.
Zero cost during vacancy with insurance fees passable to guests
Coverage activates at check-in and deactivates at check-out, eliminating traditional damage deposit friction. Operators build the fee into the nightly rate so guests effectively cover the insurance.
Where CBIZ Vacation Rental Insurance falls short
No published pricing — every prospect must request a custom quote
Buyers cannot comparison-shop on the website; the vendor pricing URL returned 404 on 2026-04-25 and the product site routes all inquiries through a phone/form quote workflow.
Limited independent third-party reviews
Public review platforms have sparse coverage of CBIZ customer experiences — Awning explicitly notes that no third-party online reviews exist for this established provider, making independent verification difficult.
Coverage gaps in specialty risks
Liquor liability, squatter coverage, pet/animal liability, and earthquake are not included by default — operators with bars, exotic pets, or West Coast properties may need supplementary policies.
Where Safely falls short
Per-night pricing compounds quickly at high occupancy
At 200+ nights/year the per-night model can exceed annual policy costs from competitors like Proper Insurance ($1,500–$2,500/year). Operators must calculate their breakeven.
Does not replace homeowners insurance and has meaningful coverage exclusions
Excludes weather damage, non-guest-caused damage, fine art and collectibles. Contents theft/damage caps at $10,000 and there is a 90-day maximum consecutive rental period.
Limited public reviews and relatively new market presence
Compared to established insurers like Proper Insurance or CBIZ, Safely has fewer independent user reviews, making real-world claims experience harder to assess at scale.
Which Should You Pick
Pick CBIZ Vacation Rental Insurance if
U.S.-based individual owners of single-family, condo, or 1–4-unit short-term rental properties who want commercial-grade liability and property coverage to replace a homeowners policy.
Skip CBIZ Vacation Rental Insurance if
You are a property manager seeking PMS-side software integrations, a buyer who needs transparent published premiums, or you operate outside the United States.
Pick Safely if
Seasonal or part-time hosts renting fewer than ~100 nights/year who want insurance and guest screening bundled without an annual commitment — the pay-per-booking model keeps costs proportional to actual occupancy.
Skip Safely if
You run high-occupancy properties at 250+ nights/year — per-night pricing will exceed annual policy alternatives, and coverage caps ($10K contents, no weather damage) may be insufficient for premium properties.
Where CBIZ Vacation Rental Insurance and Safely actually differ
- CBIZ is a primary commercial policy that replaces a homeowners policy with dwelling, contents, liability, and business-income coverage; Safely offers up to $1M primary commercial damage coverage with a $10K contents cap and no stated business-income component.
- Safely uses pay-per-night pricing starting at $8/night with zero cost during vacancy; CBIZ is quote-only annual premiums with no per-booking model.
- Safely bundles guest screening via the proprietary SafelyScore damage-history database at $0.50/night when combined with insurance; CBIZ has no guest-screening component.
- CBIZ has underwritten vacation-rental policies since 2002 backed by an A-rated carrier; Safely is a newer entrant with transparent per-night pricing and native PMS integrations.
- Safely integrates natively with Hostaway, Guesty, Hospitable, and Lodgify for per-booking activation; CBIZ has no documented PMS integrations or API.
Common objections
- Safely's per-booking pricing means I only pay when I have guests — why commit to a CBIZ annual premium?
- Per-night pricing favors you below roughly 100–150 nights/year. Above that, Safely's costs compound past what an annual CBIZ policy is likely to run, and you're still capped at $10K contents with no business-income protection. If your property is your primary STR business, the annual model usually wins on both cost and coverage depth.
- Safely includes guest screening — isn't that worth the coverage tradeoff?
- Screening is genuinely useful and CBIZ doesn't offer it. But screening prevents some incidents — it doesn't pay claims. CBIZ's commercial policy with dwelling, liability, and business-income coverage is built for the worst-case scenarios screening can't stop, like guest-injury lawsuits or extended displacement after a covered loss.
- CBIZ has no published pricing and sparse third-party reviews — how do I know it's a credible choice?
- It's a fair concern. CBIZ has been in the vacation-rental niche since 2002 and is backed by an A-rated carrier, but public reviews are thin compared to newer entrants. The trade-off is broker tenure and commercial-grade replacement coverage versus Safely's transparent per-night pricing and PMS-integrated activation. If you want a real commercial policy and can stomach a phone quote, CBIZ is the right shape.
Keep Digging
CBIZ Vacation Rental Insurance
Established specialty STR insurer — but you'll need to call for a quote
Safely
Best pay-per-booking insurance for low-to-mid occupancy hosts