"...do you really think they are so dumb that they don't realize it's not worth the bad PR to save money and effort in this situation?" I think it's about not

"...do you really think they are so dumb that they don't realize it's not worth the bad PR to save money and effort in this situation?" I think it's about not positioning themselves as some kind of guarantor of a situation which will open up an entire can of worms going forward with their business model. They can't say "we vet people" (to the degree necessary) or they open themselves up to lawsuits from people who say "you didn't do your job here". This happens with hotel, right? Person raped they sue the hotel "you didn't provide security" etc. As another example, I saw a sign in an office parking lot. It said "security camera not always monitored" or something like that. In this litigious society the mere appearance of a camera gives the obligation to monitor the camera or a level of safety that the office lot is not willing to undertake. Insurers don't have a model for an airbnb type operation. They will have a hard time wrapping their heads around insuring something that appears to be more of the business model that people would like airbnb to be. Insurers won't insure for reasonable prices what they can't calculate risk on.