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Committee backs bill to define and regulate online marketplace guarantees; insurers warn it may be insurance in disguise

2523020 · March 6, 2025
AI-Generated Content: All content on this page was generated by AI to highlight key points from the meeting. For complete details and context, we recommend watching the full video. so we can fix them.

Summary

Senate committee passed a bill establishing a regulatory framework for "online marketplace guarantees" (products such as Airbnbhost guarantees). Insurance trade groups opposed, arguing the guarantees shift risk and should be regulated as insurance; the insurance commissioner said he will follow the legislature's determination.

The committee advanced legislation to create a statutory framework for online marketplace guarantees, a product used by platforms to provide limited protection to hosts and sellers for guest damage or similar incidents.

Sen. Justin Boyd introduced the bill and witnesses described guarantees as incidental, low‑dollar protections typical of marketplace terms of service. Byron Wobeter, associate general counsel for Airbnb, explained that the…

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