How it works

You build your coverage program. Guests and owners pay for what they use. We handle everything else.

Build Policy$Guests PayProtected
1

Build your coverage program

You decide what's covered. Set limits, deductibles, and toggle coverage for pets, linens, smoke remediation, intentional acts, and more. Create multiple policies for different geographies, ADRs, and property types.

  • Customizable damage coverage up to $10,000
  • You choose what's included and what's not
  • Multiple policies per portfolio segment
  • Homeowner upgrade tiers available
2

Guests pay at booking

You set the guest-paid Damage Control fee — typically 4% to 6% of the reservation total. It's collected automatically with the booking. You keep the majority of the revenue.

  • Fee set by you, not by us
  • Collected automatically with the reservation
  • Most revenue stays with your company
  • Velaris earns a 15% service fee
3

We handle the rest

We manage your carriers, handle compliance, pay taxes, and process claims. You focus on managing properties — we focus on running your coverage program.

  • Claims reviewed by licensed adjusters
  • Most covered claims paid in 2 business days
  • Full state-by-state regulatory compliance
  • Ongoing program reviews with your team

We've got this. Here's what happens next.

Most covered claims paid within 2 business days — directly to your account.

Submit a Claim

Upload photos, damage description, and cost estimate through our platform.

AI Confirms Coverage

Our AI matches the claim to the specific policy, confirms coverage, and flags any follow-up questions.

Adjuster Reviews

A licensed adjuster confirms the coverage amount. Appropriate notifications are sent to all parties.

Payment Issued

Claims paid directly to your bank account. Most covered claims within two business days.

Risks your broker probably hasn't looked at

Generalist brokers are spread too thin to catch the risks specific to your business. Here's what they miss.

Guest Causes Kitchen Fire
Property is offline for months during peak season.
Your broker misses:Contractual liability for lost income owed to the owner.
We cover:Lost income and contractual liability to your homeowners.
Guest Slip and Fall at Franchise
Franchisor claims operator failed to maintain signage.
Your broker misses:Franchise contractual liability exposure.
We cover:Franchise and other contractual liability endorsements.
Vendor's Insurance Lapses
Landscaper damages a car; their insurance is invalid.
Your broker misses:No contingent liability if vendor fails.
We cover:Contingent and contractual liability from third-party vendors.
Photographer Sues for Copyright
Listing photos used on Airbnb/Vrbo trigger infringement claim.
Your broker misses:No personal/advertising injury coverage.
We cover:Personal and advertising injury coverage.

Ready to build your coverage program?

Talk to us about a program that fits your portfolio — not someone else's.