We’ve learned over the years that when traveling in larger groups, as our guests so often are, it is much simpler to purchase a property damage protection insurance plan up front, for a nominal fee, than to have one credit card be liable for the damage of an entire group. The purchase of these insurance plans also removes any motivation to “hide” damage and encourages reporting. Should any accidental damage be caused by a guest, it can simply be reported and claimed on insurance and the guest is not burdened by any additional expense.