How Marketplaces Are Becoming Their Own Insurance Providers

Episode 19 of The Platform Economy explores why major marketplace platforms are launching in-house insurance products. Instead of partnering with traditional insurers, companies like Airbnb, Uber, and Amazon are building coverage into their core transaction flow — capturing margin, improving trust, and controlling the claims experience. Lucas and Luna break down the economics: how marketplace insurance differs from standard policies, why incumbents like AIG and Allstate are losing a lucrative distribution channel, and what it means for the future of platform risk management. They examine real examples: Airbnb's Host Guarantee and Host Protection Insurance, Uber's auto liability coverage, and Amazon's A-to-z Guarantee Claims. The hosts also discuss the regulatory hurdles and the tension between self-insurance and third-party underwriting. If you run a platform or use one daily, this episode reveals how the fine print is quietly reshaping who bears risk in the digital economy. #MarketplaceInsurance #PlatformEconomy #Insurtech #Airbnb #Uber #Amazon #SelfInsurance #RiskManagement #TrustAndSafety #Business #Technology #FexingoBusiness #BusinessPodcast #Podcast #Disruption #OnDemandEconomy #ClaimsManagement #InsuranceInnovation Keep every episode free: buymeacoffee.com/fexingo