In some situations, you may need a rental endorsement, short-term rental coverage, or a landlord-style policy depending on how often and how long the property is rented. Rental use increases several exposures at once: • Greater chance of accidental property damage. • More liability risk from guest injuries. • Possible theft or misuse by occupants. • Potential loss of rental income... https://www.insuracarelife.com/blog/how-much-is-general-liability-insurance-for-a-small-business-in-ohio/