AirCover for Hosts的運作方式

每次你接待人客，均可透過AirCover for Hosts享有全面保障。計劃內容包括人客身份驗證、訂單篩選、100萬美元旅居主人責任保險、300萬美元旅居主人損毀保障，以及涵蓋旅居範圍內貴重物品、停泊的車輛及船隻之保障。

我們的社群以信任為基礎。因此，所有預訂旅程的旅人均必須完成身份驗證程序。在驗證身份的過程中，我們會驗證旅人的特定個人資料，例如法定姓名、地址、電話號碼或其他聯絡資料。

旅人通過身份驗證後，即可獲得「已驗證身份」徽章；該徽章會在其個人資料相片旁以紅色剔號徽章顯示。此外，我們亦可能會對美國的旅人進行背景審查。

進一步了解旅人身份驗證

我們的社群滋擾政策禁止在未經許可的情況下舉辦構成滋擾的派對。我們採用專有的訂單篩選技術來協助執行該政策，減低旅人舉辦構成滋擾派對的機會。

系統會根據一系列因素來決定是否限制某張訂單，其中包括預訂的旅居類型、住宿晚數、旅居與旅人所在地點的距離，以及訂單是否為臨時預訂。

進一步了解訂單篩選技術

十多年來，Airbnb一直為旅居主人及體驗策劃人提供領先業界的財物損毀保障。如果旅人在住宿期間損壞你的旅居或財物並拒絕賠償，旅居主人AirCover所包括之旅居主人損毀保障可以為你提供以下保障：

• 300萬美元損毀保障：涵蓋旅居及旅居內的物品。
• 藝術品及貴重物品保障：藝術品、珠寶及收藏品如有損壞，將有機會獲得補償。
• 車輛和船隻保障：我們會為旅居範圍內停泊或存放的車輛、船隻及其他水上交通工具提供損毀保障。
• 寵物損毀保障：我們會就寵物造成的損壞情況發放補償。
• 深層清潔：我們會為清除污漬和煙味所需的額外清潔服務提供費用補償。
• 收入損失保障：如因旅人損壞旅居，導致你需要取消已確認的Airbnb訂單，我們會向你補償損失的收入。
• 24小時安全熱線：無論任何時候，如果你感到不安全，只需在Airbnb應用程式內輕按一下，即可聯絡經過特殊培訓的安全專員。

如果旅人損壞你的旅居或財物，你（或由擁有所有權限的接待夥伴代行）只需在調解中心完成幾個步驟，即可提交補償申請，並輕鬆追蹤由申請至收款的進度。系統會首先將補償申請發送給旅人，如果旅人未有在24小時內回覆或繳付款項，你可以要求Airbnb介入處理。星級旅居主人的申請（惟美國華盛頓州旅居除外）可獲優先處理，亦可更快收到補償。

如遇旅人在入住期間受傷、財物受損或失竊等罕見情況，旅居主人AirCover所包括之旅居主人責任保險可以為你提供保障。受保對象亦包括接待夥伴和清潔人員等協助出租的人員。

如果你因以下事項而須承擔法律責任，旅居主人責任保險會為你提供保障：

• 旅人（或他人）肢體受傷
• 旅人（或他人）財物受損或失竊
• 旅人（或他人）對大廈大堂和附近物業等公共空間造成損壞

如果你需要提出索償，只需填妥責任保險索償表格即可。我們會將你提供的資料發送給我們信賴的第三方保險公司，保險公司會將索償申請轉交給有關代表，以便對方根據保單條款處理索償事宜。

如果你是體驗策劃人，我們的體驗責任保險會為你提供保障。

進一步了解旅居主人責任保險

Similar to how you’re covered by Host liability insurance through AirCover for Hosts, service hosts are covered by Airbnb’s Experiences & Services liability insurance. All service hosts are also required to maintain liability insurance appropriate for their business while providing a service.

When Airbnb Services take place in your home, Experiences & Services liability insurance applies if the service host is responsible for damaging your home or belongings.

Get more details about Experiences & Services liability insurance.

AirCover for Hosts’ Host damage protection, Host liability insurance, and Experiences & Services liability insurance don’t cover hosts who offer stays or experiences in Japan, where Japan Host Insurance and Japan Experience Protection Insurance apply, or hosts who offer stays through Airbnb Travel LLC. Keep in mind that all coverage limits are shown in USD.

Host liability insurance and Experiences & Services liability insurance are underwritten by third-party insurers. If you’re hosting homes, experiences, or services in the UK, the Host liability and Experiences & Services liability insurance policies are underwritten by Zurich Insurance Company Ltd., and arranged and concluded at no additional cost for UK hosts by Airbnb UK Services Limited, an appointed representative of Aon UK Limited, who are authorized and regulated by the Financial Conduct Authority. Aon’s FCA register number is 310451. You can check this by visiting the Financial Services Register or contacting the FCA at 0800 111 6768. The Host liability and Experiences & Services liability policies within AirCover for Hosts are regulated by the Financial Conduct Authority, the remaining products and services are not regulated products arranged by Airbnb UK Services Limited. FPAFF609LC

In the EU, these policies have been arranged and concluded at no additional cost for the benefit of EU hosts by Airbnb Marketing Services SLU, an external collaborator of Aon Iberia Correduría de Seguros y Reaseguros, SAU, which is authorized and regulated by Autoridad de Control de la Dirección General de Seguros y Fondos de Pensiones, registered by the serial number of J0170.

Aon Iberia Correduría de Seguros y Reaseguros SAU is acting as intermediary for the EU, participating in the distribution of insurance in EU countries under the freedom of services regime to provide services under the Spanish Insurance Distribution Law, the Insurance Distribution Directive, and other legal or regulatory provisions. Without prejudice to the authority of the host country where insurance distribution services are provided, the member state responsible for the supervision of Aon is the Kingdom of Spain and the Supervisory Authority, the General Directorate of Insurance and Pension Funds, at Paseo de la Castellana 44, 28046 – Madrid.

Host damage protection isn’t insurance and isn’t related to Host liability insurance. For listings in Washington state, Airbnb’s contractual obligations under Host damage protection are covered by an insurance policy purchased by Airbnb. For hosts whose country of residence or establishment is outside of Australia, these Host Damage Protection Terms apply. For hosts whose country of residence or establishment is within Australia, Host damage protection is subject to the Host Damage Protection Terms for Australian Users.

Information contained in this article may have changed since publication.