Protection Brands Damage Protection

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Terms and Conditions

Referral Partner Terms and Conditions

As an authorized affiliate (Affiliate) of Protection Brands you agree to abide by the terms and conditions contained in this Agreement (Agreement). Please read the entire Agreement carefully before registering and promoting our products as an Affiliate.

Our websites promote and offer quotes on protection products in partnership with InsureStays Insurance Agency, via RentalGuardian.com.  The operation of this website is managed by Protection Brands, LLC.  

By signing up for the Affiliate Program (Program), you indicate your acceptance of this Agreement and its terms and conditions.

1. Approval or Rejection of the Application
We reserve the right to approve or reject ANY Affiliate Program Application in our sole and absolute discretion. You will have no legal recourse against us for the rejection of your Affiliate Program Application.

2. PROTECTION BRANDS DAMAGE PROTECTION PROGRAM TERMS AND CONDITIONS
Damage Protection Programs are a suite of valuable products that you make available to your customers to protect against accidental guest damage to your property.

Protection Brands online software platform supports the sale and distribution of property protection programs offered by multiple insurance companies in cooperation with RentalGuardian.com and InsureStays, dba of Sandhills Insurance Group, LLC. Fulfilling our role to optimize the performance and usefulness of our multi-underwriter platform for you and your customers, we are providing you the below important program management guidelines.

ABOUT PROPERTY PROTECTION PROGRAMS

Coverage. Property Protection Programs cover damage to property contents only due to unintentional, accidental acts (“damage protection”) providing varying coverage limits of $1,500 or $3,000 at a flat rate per stay.

Duration. The length of coverage ranges from 1 to 30 days depending on the length of guest stay. Coverage for day 31 and beyond requires the purchase of additional coverage in 30-day time increments. 

Assumptions. the below assumptions apply to all property protection programs:
	The Damage Protection Program is based on the assumption that all damages claimed are guest-verified. Guest contact information will be collected as part of the claims process.
	property-manager-facilitated, and for damages occurring while the unit is rented to the covered guest(s).
	Damage Protection Program requires that coverage be offered on a mandatory basis. 100% of all guest stays must be subject to damage protection coverage. 
	Coverage is only in effect for the Covered Booking time period and is limited to losses that occur in or at the
	Covered Booking rental property.
	The program is not Event Insurance. Special-event-related damages from weddings, parties, dances,
	arts/crafts, conventions, and other large gathering events are excluded.
	Damage to property caused by guests not part of the rental-guest-travel party is excluded. This would include, but not limited to, owners, property managers, housekeeping, and maintenance staff.
	The Program covers unintentional accidental damage; intentional acts by the owner(s), manager(s), or guests
	are not covered.
	The Program is not travel insurance and offers no protection (or reimbursement) to guests for trip
	cancellation and interruption, transportation expenses, and baggage damaged while in transit.
	Property damage as a result of natural disasters (earthquakes, floods, hurricanes, hail damage, volcano or
	wind damage), other weather-related events, or acts of God are not covered by the Program.
	Specific coverage terms, conditions, benefits, exclusions and limitations may be different subject to a specific
	policy issued directly to by the program underwriter.

Claims Loss Management. Claims losses will be monitored regularly. Accounts with high claims experience or with
frequent denials may be contacted, and strategies provided to mitigate losses and improve efficiencies. Protection Brands reserves the right to terminate accounts upon written notice at any time and for any reason. 

PRODUCT DECLARATIONS - Property Protection Programs

General Exclusions and Limitations
General Exclusions. The following general exclusions apply:
	Damage arising from gross-negligence, malicious intent, or illegal acts by the Covered guest/ guest party;
	Theft without valid police report;
	Sets or series: no coverage for set replacement, including but not limited to wears, furniture sets, stamps
	collections, artwork, etc.; only the item needing repair or replacement can be claimed;
	Damage caused by movement of motorized vehicles including but not limited to automobiles, boats, ATVs and
	golf carts are excluded;
	Hours logged searching for replacements, picking up items, delivery, and/or filing claims;
	Damage to bedding and towels;
	Property loss as a result of mysterious disappearance;
	Damage due to normal wear and tear;
	Damage for items beyond life expectancy;
	Repairs performed by in-house labor or regular on-site maintenance personnel;
	Damage to “common areas” or equipment not part of the rental unit.

Limitations. The following limitations apply:
	Damage submissions for older, worn out furniture/facilities/flooring may be age-depreciated, sometimes
	significantly;
	Artwork: Damages to works of art have $1,000 maximum benefit.
	Pet-related damage: No pet damages are covered; pet-related damages are excluded
	and claims not approved.
.

Recommendations
In light of the above described program parameters, the below are recommended to foster satisfaction with the
program:

Pet-deposits: We recommend that you collect sufficient Pet Damage Deposits from your rental-guests staying in pet-friendly units.

Travel Insurance: Protection Brands supports travel insurance options for your guests traveling from the US and those traveling from outside the US. Contact your sales representative for more information.

Security Deposits: You should require a security deposit for higher-risk rentals such as large rental parties or rental guests participating in special events and exclude these from the program.

Check-in Procedures:
	Include Requirement for Timely Reporting by Guest: Instruct guests (i.e. in your Check-In / Welcome Package or Checklist) that they are obligated and responsible to immediately report rental damage to you, or else they may be held responsible for damages.
	Include Terms and Conditions indicating Guest Liability May Still Apply: Include on the Rental Check-In / Welcome Package Checklist, rental occupancy conduct requirements, including a statement that even though guest participates in the Damage Protection Program, the guest may still be held financially responsible, and a charge made against the Deposit or credit card, for the following: (1) wanton destruction of property, gross negligence, failure to mitigate foreseeable damages, failure to notify management of known damages, and theft.
	Lease Agreement Update: Add information about the program to your Lease or Rental Agreement, and informational “Frequently Asked Questions”, Terms & Conditions, and/or other consumer disclosure materials.

PRODUCT DECLARATIONS - Damage Protection Programs

Claims Filing Procedures
Contents Only Claims may be submitted online at www.damageprotection.insure/claims

Contents Claims Filing Timelines / Deadlines:
OPEN A CLAIM within fourteen (14) calendar days of the Covered Booking Check-Out Date by completing the online form and uploading photo(s) of the damage.
COMPLETE CLAIM DOCUMENTATION within forty-five (45) calendar days after Opening the Claim.

Required claim documentation includes
(1)	a paid receipt,
(2)	one or more photos of the damage,
(3)	in the event of a theft, a scanned copy of the related police report.
Failure to submit supporting documentation may result in a delay in claims processing or denial of payment.

General Terms and Conditions
1.	Not A Maintenance Program.   The Damage Protection Program is NOT a property or facility maintenance or replacement program. Labor performed by in-house staff is excluded.
2.	Claims Adjudication.  Neither Protection Brands, RentalGuardian nor InsureStays have authority to approve or deny claims; claims adjudication is entirely the responsibility of the underwriters and their designated third-party administrators.
3.	Replacement. Before a full replacement is authorized, claimant is obligated to provide adequate evidence that a
damaged item could not be repaired. To expedite the claims process, in lieu of a receipt, you may submit a
replacement estimate until a final receipt is available. 
4.	Insured Party.  Under the Damage Protection Program your Company (and not the renter) is either the insured-party or an additionally-insured party. Therefore, no individual property protection coverage documentation is auto-delivered to your guests unless requested.  Claims for reimbursement of damage expenses will be filed by you and claims payments remitted to you.  
5.	Administrative Fee.  The funds that a purchasing renter pays for your damage protection includes an administrative fee you are charging them to reimburse you for your Program coverage costs.
6.	Coverage Term.  Each Property Protection Program Coverage is for a fixed term up to 30 days. You must purchase additional coverage for stays extending beyond the coverage term.
7.	Rights of Inspection, Verification, Recovery, Salvage.  Underwriters and/or their designated agents reserve the right to inspect claimed damages/losses, verify claimed damage/losses with renter/guest, and/or physically take possession of and salvage replaced, claim-reimbursed items.
8.	Damage protection purchases must be purchased prior to the Start Date of a Booking. NO upon-check-in, late, or after check-in purchase can/will be accepted in any form at any time, NO exceptions whatsoever; it is a strict guideline.
9.	All renter address/contact information, trip total, trip dates, and destination address information will be required upon initiating a claim for losses.  Claims must be guest-verified.
 
3. Termination
Your affiliate application and status in the Program may be suspended or terminated for any of the following reasons:
•      Extraordinarily high claims ratios. The success of this programs is dependent upon what the underwriters have anticipated to be an expected ratio of 
        coverages to claims ratio. 
•	Inappropriate advertisements (false claims, misleading hyperlinks, etc.).
•	Spamming (mass email, mass newsgroup posting, etc.).
•	Advertising on sites containing or promoting illegal activities.
•	Failure to disclose the affiliate relationship for any promotion that qualifies as an endorsement under existing Federal Trade Commission guidelines and regulations, or any applicable state laws.
•	Violation of intellectual property rights. Guardian Solutions and it’s associated companies reserves the right to require license agreements from those who employ trademarks of our companies in order to protect our intellectual property rights.
•	Offering rebates, coupons, or other form of promised kick-backs from your affiliate payments as an incentive. Adding bonuses or bundling other products with our product offering(s), however, is acceptable.
•	Self referrals, fraudulent transactions, suspected Affiliate fraud.
In addition to the foregoing, Guardian Solutions reserves the right to terminate any Affiliate account at any time, for any violations of this Agreement or no reason.

4. Affiliate Links
You may use graphic and text links both on your website and within in your email messages. You may also advertise the our site in online and offline classified ads, magazines, and newspapers.
You may use the graphics and text provided by us, or you may create your own as long as they are deemed appropriate according to the conditions and not in violation as outlined in Condition 3.

5. Liability
Production Brands LLC or Rental Guardian Holdings LLC will not be liable for indirect or accidental damages (loss of revenue, referral payments) due to affiliate tracking failures, loss of database files, or any results of intents of harm to the Program and/or to our website(s). We do not make any expressed or implied warranties with respect to the Program. We make no claim that the operation of the Program and/or our website(s) will be error-free and we will not be liable for any interruptions or errors.

6. Term of the Agreement
The term of this Agreement begins upon your acceptance in the Program and will end when your Affiliate account is terminated.
The terms and conditions of this agreement may be modified by us at any time. If any modification to the terms and conditions of this Agreement are unacceptable to you, your only choice is to terminate your Affiliate account. Your continuing participation in the Program will constitute your acceptance of any change.

7. Indemnification
Affiliate shall indemnify and hold harmless Protection Brands LLC and its affiliate and subsidiary companies, officers, directors, employees, licensees, successors and assigns, including those licensed or authorized by Protection Brands to transmit and distribute materials, from any and all liabilities, damages, fines, judgments, claims, costs, losses, and expenses (including reasonable legal fees and costs) arising out of or related to any and all claims sustained in connection with this Agreement due to the negligence, misrepresentation, failure to disclose, or intentional misconduct of Affiliate.

8. Governing Law, Jurisdiction, and Attorney Fees
This Agreement shall be governed by and construed in accordance with the laws of the United States and the State of South Carolina. Any dispute arising under or related in any way to this Agreement shall be adjudicated exclusively in the state courts located in Charleston, South Carolina.  In the event of litigation to enforce any provision of this Agreement, the prevailing party will be entitled to recover from the other party its costs and fees, including reasonable legal fees.

9. Electronic Signatures Effective
The Agreement is an electronic contract that sets out the legally binding terms of your participation in the TravelProtection affiliate program. You indicate your acceptance of this Agreement and all of the terms and conditions contained or referenced in this Agreement by completing the Protection Brands application process. This action creates an electronic signature that has the same legal force and effect as a handwritten signature.
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