Skip to main content
Tern Financial logo

Tern Financial

Coverholder providing insurance for short-term rentals and sharing economy

5
1 reviews
Insurance
Visit Website

About Tern Financial

TERN Financial Group is a tech-enabled global underwriter and Lloyd's of London Coverholder that develops and underwrites specialized insurance products for the short-term furnished rental, corporate housing, student housing, and sharing economy sectors. Headquartered in Montreal, Canada, TERN Financial positions itself at the intersection of insurance and technology, crafting bespoke risk solutions for the complex, nuanced world of vacation rentals, P2P platforms, and PropTech innovation. The company serves diverse sectors including vacation rentals, corporate housing, student housing, digital nomads, community-based living, single-family rentals, and digital property management. TERN intentionally maintains a boutique structure to preserve creative risk assessment and agile decision-making capabilities.

Markets & Coverage

Operating across 3 countries

Markets & Coverage

(3)
United StatesCanadaMexico

Supported Languages

EnglishPrimary
FrenchPrimary

Property Types

  • HousePrimary
  • Apartment
  • Villa
  • Condo

Market Segments

  • UrbanPrimary
  • Family
  • Corporate & Extended Stay

Reviews

1 reviews from verified users

5

1 reviews

100%

Would recommend

Showing 1 of 1 reviews

S

STR Property Manager

May 2026
5

Specialized STR insurance through Lloyd's

TERN Financial Group provides exactly what the vacation rental industry needs - specialized insurance from a Lloyd's of London Coverholder. Their understanding of short-term rental risks is unmatched. The RENTERN product for vacation rental manager's liability is perfectly tailored to our needs. Highly recommend for Canadian STR operators.

Alternatives to Tern Financial

Compare similar Insurance solutions

Allianz Partners

Allianz Partners is a world leader in B2B2C insurance and assistance, offering global solutions spanning international health and life, travel insurance, automotive, and assistance. A subsidiary of Allianz Group, it operates in 75 countries with over 22,200 employees speaking 70 languages and handling 89.7 million cases annually. Products are available through four commercial brands: Allianz Assistance, Allianz Automotive, Allianz Travel, and Allianz Care. The company is the Worldwide Insurance Partner of the Olympic and Paralympic Movements (2021-2028) and boasts a 95% partner renewal rate.

00 reviews
BeSafe Rate
BeSafe RateInsurance

BeSafe Rate is a prepaid hospitality rate with built-in travel insurance for hotels, guest houses, B&Bs, and vacation rentals. The product embeds insurance coverage directly into the booking rate, protecting accommodation revenue against cancellations and providing health cover for guests during their stay. It guarantees up to 100% refund for cancellations due to illness, injury, hospitalization, or natural disasters, with 7-day quick refunds via an automated Refund & Go platform. Insurance is underwritten by INTER PARTNER ASSISTANCE S.A. (AXA Group). The service integrates with PMS and booking engines via BeSafe Suite, allowing properties to list the insured rate on their direct booking website. Free activation for properties.

00 reviews
CWA Finance
CWA FinanceInsurance

CWA Finance is a UK mortgage and protection broker based in London. The firm advises clients across residential mortgages, buy-to-let lending, holiday home finance, equity release, bridging loans, and insurance protection. CWA works with first-time buyers, self-employed borrowers, portfolio landlords, and property investors.

51 reviews
EBM RentCover
EBM RentCoverInsurance

Australian landlord and rental property insurance specialist founded in 1991. Underwritten by Zurich Australia, part of EBM Group. Protects 155K+ properties with approx 100 team members and $43.5M in claims paid (2025). Offers RentCover Ultra, Platinum, and ShortTerm policies tailored for landlords and vacation rental operators with an estimated $25M annual revenue.

00 reviews

FAQ

Frequently Asked Questions

  • TERN Financial Group is a tech-enabled global underwriter and Lloyd's of London Coverholder that develops and underwrites specialized insurance products for the short-term furnished rental, corporate housing, student housing, and sharing economy sectors. Headquartered in Montreal, Canada, TERN Financial positions itself at the intersection of insurance and technology, crafting bespoke risk solutions for the complex, nuanced world of vacation rentals, P2P platforms, and PropTech innovation. The company serves diverse sectors including vacation rentals, corporate housing, student housing, digital nomads, community-based living, single-family rentals, and digital property management. TERN intentionally maintains a boutique structure to preserve creative risk assessment and agile decision-making capabilities.

Explore more of SCALE Connect

Keep comparing tools and discover the right fit for your rental business.