How It Works

We maximize your margins through AI-first technology, insurance relationships, and legal infrastructure.

Build Policy$Guests PayProtected
1

Build Your Policy

Use our Policy Builder to define the coverage that matches your business. 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 limit up to $10,000
  • Toggleable coverage categories
  • Multiple policies per portfolio segment
  • Homeowner upgrade tiers available
2

Guests Pay at Booking

You set the guest-paid Damage Control fee — typically between 4% and 6% of the reservation total. The fee is collected automatically as part of the reservation. You retain the majority of the revenue.

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

Velaris Runs the Program

We manage your insurance partners, control losses, pay taxes, and handle compliance. Our AI-first technology automates underwriting, claims, and regulatory workflows — faster and cheaper than doing it yourself.

  • Automated underwriting and claims
  • Licensed adjusters confirm every claim
  • Full state-by-state regulatory compliance
  • Ongoing program optimization

Claims Paid in Days, Not Months

Most covered claims are paid within two business days.

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 Generalist Brokers Miss

Velaris understands the vacation rental risks that traditional insurance brokers overlook.

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

Ready to Get Started?

See how Velaris can run your insurance program more affordably — while you keep the margins.