What types of business insurance does Wirehaired Trust offer in Texas?

Wirehaired Trust offers general liability, workers compensation, commercial auto, commercial property, cyber liability, umbrella coverage, and specialized industry programs for construction, roofing, restaurants, bars, nightclubs, multifamily investors, self-storage, car washes, and short-term rental portfolios across Texas.

Does Wirehaired Trust offer personal insurance in Florida?

Yes. Wirehaired Trust offers homeowners insurance, personal auto liability, flood insurance, renters insurance, personal umbrella. We specialize in Florida's challenging coastal insurance market.

Is workers compensation required in Texas?

Texas is the only state where workers compensation is not legally mandated statewide. However, it is almost always required by commercial contracts, general contractors, and government agencies. Non-subscribing Texas employers face unlimited personal injury liability from employees.

Short-Term Rental (Airbnb / VRBO) Insurance

Commercial dwelling, loss of rental income, and guest liability for nightly-rental properties that homeowners policies exclude.

Who Needs It

Airbnb and VRBO hosts
Vacation-rental portfolio investors
Owners of second homes rented seasonally

What It Covers

Dwelling and other structures at replacement cost on a form that contemplates nightly occupancy and vacancy
Contents and furnishings at rental inventory values
Loss of rental income
Primary liability for guest injury, pools, hot tubs, docks
Coastal wind terms; flood placed separately

What It Does Not Cover

Rental activity on a standard HO-3 / HO-A / HO-B (the business exclusion)
Intentional damage by guests beyond the form's vandalism terms
Long vacancy on standard forms
Platform host-protection as a substitute for insurance

Texas Notes

Austin's STR ordinance and Hill Country wildfire scoring are underwriting questions. Central Texas hail drives percentage deductibles.

Florida Notes

30A, Miami Beach, and Orlando-Kissimmee are the largest STR markets in the state; named-storm deductibles apply per building and condo minimum-lease rules affect eligibility.

Short-Term Rental (Airbnb / VRBO) Insurance Questions We Hear Most

Does Airbnb's host protection cover me?

It is secondary, conditional, and excludes many losses. Lenders and HOAs rarely accept it. It is not a substitute for an STR policy.

Will my homeowners carrier find out?

Carriers now audit listing sites. A claim on an active listing can be denied and the policy rescinded back to inception for misrepresented occupancy.

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This guide is general education from a licensed independent agency, not legal advice or a promise of coverage. Every policy is governed by its own forms, endorsements, limits, and exclusions. Ask us to review the actual form before you rely on it.