How Marketplaces Are Building Their Own Insurance Underwriting

Episode 39 of The Platform Economy explores why marketplace giants like Airbnb and Uber are moving beyond simple insurance partnerships to become self-insurers. Lucas and Luna unpack how Airbnb created its own captive insurer for host liability, why Uber opted for a unique hybrid model with Aon, and the financial logic that makes self-insurance work for platforms with scale and data. They examine the regulatory hurdles, the role of actuarial data from millions of transactions, and what this means for the future of risk in platform businesses. Listeners will learn the difference between captive insurers, self-insured retentions, and fronting arrangements — and why every marketplace founder should think about risk ownership. #PlatformEconomy #FexingoBusiness #BusinessPodcast #Marketplaces #Airbnb #Uber #InsuranceTech #CaptiveInsurance #SelfInsurance #RiskManagement #InsurTech #PlatformBiz #BusinessTechnology #LucasAndLuna #Episode39 #InsuranceUnderwriting #MarketplaceRisk #DataDrivenInsurance Keep every episode free: buymeacoffee.com/fexingo