2 Accidental injuries are usually covered
AirBnb's insurance covers most accidental injuries that are related to your AirBnb stay. For example, if you slipped and fell on a rug and injured your back in the living room of your AirBnb, you may be able to succeed in making a claim against Airbnb's insurance policy. Airbnb's insurance may also cover you if you hurt yourself working out on a treadmill in the gym of your Airbnb's apartment building. Airbnb may even cover a third party's injuries, such as when an Airbnb guest drops their suitcase on your foot.
3 AirBnb usually won't cover injuries caused by intentional acts
AirBnb probably won't cover any injuries that were caused by intentional acts, or accidents that have little relation to the guest's stay at the property. For example, if a guest gets into a car accident during their stay, Airbnb would likely not cover the resulting damage. However, every situation is unique, and should be analyzed carefully to determine whether or not it might be covered by AirBnb's insurance policy (and if it isn't covered, whether someone else might be liable for the harm caused).