Sharing Your Driveway: Liability & Insurance

Plain talk, no fine print games.

We'd rather tell you exactly how risk works than have you find out later. Here's the straight version of what protects you when you list your driveway, where the gaps are, and what we're doing about them.

The short version

• BeachParked does not currently carry insurance that covers your property or a guest's injury. We're transparent about that on purpose. Coverage is on our roadmap (details below) — but we won't tell you you're insured when you're not.
• Your own homeowner's policy may not cover a paid parking arrangement — most exclude "business" or "commercial" use. This is the single most important thing to check before you list.
• The driver is responsible for damage they cause, and they agree to that in our Terms — we can charge their card for verified damage.
• The way the product is built keeps risk low: daytime-only parking, no overnight, passenger vehicles, single days (not storage), on a paved spot, with no key handoff and no need for you to be home.

1. Start with your own insurance (the part most hosts miss)

Standard homeowner's and landlord policies commonly exclude business or commercial activity on your property. Accepting payment to let someone park can count as commercial use — which means a claim tied to it (property damage, or a visitor injury) could be denied.

What to do before you list:

• Call your insurer and ask plainly: "I'm going to let people pay to park in my driveway during the day through a platform. Is that covered, and if not, what endorsement or rider do I need?"
• Ask specifically about (a) premises liability if a visitor is injured, and (b) property damage caused by a vehicle.
• Many insurers offer a low-cost home-sharing / short-term use endorsement that closes this gap. It's usually inexpensive relative to the peace of mind.

We can't give you insurance advice and we don't know your policy — but we can tell you this gap is real and worth ten minutes on the phone with your agent.

2. What BeachParked does — and doesn't — do today

Doesn't (yet):

• We do not carry a platform insurance policy that pays out for damage to your property or for a guest's injury at launch.

Does:

• Vets who books. Every driver creates a verified account with a real name, email, phone, and vehicle details before they can book.
• Confirms hosts are real owners. We check each listing's address against the county owner-of-record before it goes live.
• Keeps your information private. Your exact address is hidden until a booking is confirmed; messaging and payments run through the platform.
• Gives you a damage path. A clear process to report and recover for damage a driver causes (Section 4).
• Handles payments and taxes. Money moves through Stripe; we collect and remit sales tax.

On the roadmap (we'll tell you when it's live, not before): a platform commercial general-liability policy and a secondary host-damage guarantee. Until those are in force, treat the protections in this document — not a BeachParked policy — as what's covering you.

3. Why the risk is lower than it sounds

This isn't home-sharing. You're not handing over keys, hosting overnight guests, or storing vehicles. The product is deliberately built to keep exposure small:

• Daytime only — dawn to dusk. No overnight parking, ever.
• Passenger vehicles, single-day parking. Not a storage lot, not commercial trucks.
• On-site, paved parking (driveway, carport, or pad) — no grass, no street.
• No contact required. Drivers check in by GPS or QR code; you don't need to be home or meet anyone.
• Verified accounts only, with payment on file and our Terms accepted.

A car parked in your driveway for a few daylight hours by a verified, accountable person is a fundamentally smaller risk than most things you already allow on your property.

4. If a driver damages your property

1. Take photos of the damage right away.
2. Report it within 72 hours of the booking ending, through your host dashboard (or hello@beachparked.com).
3. We review and work with the driver to make it right — they are responsible for verified damage under our Terms, and we can charge the card on file.

Honest caveat: at launch we don't guarantee a specific coverage amount. Your strongest protections are the driver's accountability under the Terms and (if applicable) your own insurance. The platform damage guarantee we're building will strengthen this — we'll tell you when it's live.

5. If someone is injured on your property

• Call 911 first if anyone is hurt. Safety before paperwork.
• Then notify us so we have a record and can help.
• In our Terms, every driver and visitor assumes the risks of the parking arrangement and releases BeachParked from liability — but that release is between the users, and an injured person could still look to you as the property owner. This is exactly why Section 1 (your own insurance) matters. Confirm your premises-liability coverage applies, or get the endorsement.
• Don't admit fault or sign anything at the scene; document what happened and let us help coordinate.

The bottom line

You keep control, you keep 90%, and the product is built to keep risk low — but at launch the meaningful coverage is your own policy plus the driver's accountability, not a BeachParked insurance plan. Make the ten-minute call to your insurer, and you've handled the biggest item on this page.