AirBnB misleads the public and hosts with its information on its host protection plan. While it has a policy with Zurich, my experience is that it does not involve the insurance company at all. It uses a third party adminstrator and makes liablity decisions itself. There is no due process. I had a serious fall and made a claim for medical expenses. The denial I received started with "no one has had this problem before" and had no mention of an appeal process. When I asked what their process was, the administrator said they would refer the matter back to their client, whom they identified as AirBnB when I asked. After 6 weeks and 2 emails from me, I received another denial - without telling me the process and without giving me a chance to make a case for myself. This denial was based on a reason other than what I had given in my original claim. They hadn't even bothered to be accurate on what the claim was. At this point I asked who made liability decisions and and was told it was AirBnB.
I have written the attorney genral of California where AirBnB is headquartered. I am writing the CEO and COO of Zurich UK about this misrepresentation of their company. I am also considering approaching a class action attorney. Having an insurance policy with no intention of using it is fraudulent according to the Insurance Commission of California.
Have you had a similar experience? Would you let me know about it? Will you write the attorney general of California?