Under Subordinate Local Law No. 16.1, you must hold broadform public liability insurance of at least $10 million. A certificate of currency must be submitted with your rental accommodation application.

A proper short-term rental policy should also cover building and contents against guest use, loss of income if the property is damaged and unavailable, legal expenses, and malicious or guest damage. Airbnb's Host Guarantee and Host Protection Insurance are not substitutes for your own policy: they have exclusions and claim limits and do not satisfy the $10 million public liability requirement under Gold Coast local law.