Video & Transcript Research : 'single source continuum contractor'
Page 203 of 500
MN
Transcript Highlights:
- With the A7, we contractors and owners.
- <00:08:54.080>
trying <00:08:54.360>to contractors and groups were trying to contractors - contractor above them has been paid. contractor above them has been paid.
- You know, many of us have contractor.
- of contractors of contractors and<00:12:56.680>
something <00:12:57.040>that <00:12
LA
Louisiana 2026 Regular Session
Commerce, Consumer Protection and International Affairs May 6th, 2026
Commerce, Consumer Protection, and International Affairs
Transcript Highlights:
- So, under the current bill, the Contractors Board would have much more inspectors.
- who have a subcommittee under the state contractors board.
- have a subcommittee under the state contractors board.
- If you disagree with their findings, you could appeal to the state board of contractors.
- It's that three-minute rule. with the State Licensing Board for Contractors.
Keywords:
roof standards, construction code, residential property, fortified roofs, insurance, medical debt, interest rate, healthcare services, consumer protection, debt collection, Louisiana Medical Debt Protection Act, child exploitation, online reporting, platforms, cyber crime, PROTECT Act, automatic renewal, cancellation policy, subscription service, transparency
NH
New Hampshire 2025 Regular Session
House Fish and Game and Marine Resources (02/05/2025)
Fish and Game and Marine Resources
Transcript Highlights:
- <00:47:54.480>
elsewhere for uh major funding sources elsewhere for uh major funding sources - using algae in the water as a source of food for growth.
- using algae in the water as a source of food for growth.
- using algae in the water as a source of food for growth.
- using algae in the water as a source of food for growth.
WY
Transcript Highlights:
- And the beauty of that is not only is ammonia being used as an energy source by itself, but the ammonia
- <00:04:35.919>
as <00:04:36.160>an <00:04:36.400>energy <00:04:36.880>source - ammonia being used as an energy source ammonia being used as an energy source by<00:04:37.600>
- The color code is determined by what feedstock is used, what energy source or what process is used, and
- where the energy source for that process comes from.
Bills:
HB0120
Keywords:
energy production, natural gas, industrial sovereignty, manufacturing, tax exemptions, 916, all
OK
Oklahoma 2026 Regular Session
Appropriations and Budget REVISED- SB1074 -Strom- added Feb 17th, 2026 at 04:45 pm
Appropriations and Budget
Transcript Highlights:
- And just for a point of information from the chair, the days of us putting emergencies on every single
- This closes a loophole for SROs hired through contractors of private businesses.
Bills:
HB4421, HB4426, HB4432, HB4329, HB3551, HB3763, HB1411, HB2730, HB3465, HB3649, HB3650, HB3674, HB3941, HB3970, HB3979, HB3980, HB3981, SB1074
Keywords:
child welfare, fentanyl exposure, drug endangerment, environmental testing, safety analysis, remediation, child protection, Department of Human Services, violence prevention, HB4426, SIDE tax credit, strategic industrial development enhancement, income tax credit, economic development, tax incentive, qualified economic development expenditures, qualified initial infrastructure expenditures, industrial park, economic development zone, port authority
MN
Minnesota 2025-2026 Regular Session
Committee on Housing and Homelessness Prevention - 03/17/26
Housing and Homelessness Prevention
Transcript Highlights:
- GMHF supports the entire continuum of affordable and workforce housing needs throughout the state of
- What I love to see is this type of investment on single-family homes? Definitely.
- love to see this type of<00:29:32.360>
investment <00:29:33.240>on <00:29:33.400>single-family - of investment on single-family homes? of investment on single-family homes? Definitely.
WV
West Virginia 2026 Regular Session
WV Senate Judiciary Committee in Session Mar 11th, 2026 at 09:05 pm
Transcript Highlights:
- this would be moving that special merit system into the Division of Personnel, so that there is one single
- So I would assume that most contractors would come in and take the workforce that's already trained and
- under the same, probably, retirement system or medical system, and all of it would be under the contractors
Summary:
The committee considered and advanced several bills. House Bill 4995, concerning video cameras in special education classrooms, was explained as requiring parents to be notified of recording interruptions, providing written notice of the law to parents and school employees, shortening the required random review of recordings from every 90 days to every 30 days, and clarifying that school boards must still conduct independent investigations even if DHS or prosecutors do not act. The committee adopted the motion to report the bill to the full Senate. House Bill 5214, dealing with drug testing in child abuse and neglect cases, would allow courts to order testing of parents in certain cases, require laboratory confirmation of positives, and require DHS to notify the court and other parties; the committee adopted the strike-and-insert amendment, then reported the bill as amended and adopted a title amendment.
The committee also advanced House Bill 4025 and House Bill 5441, both restructuring state personnel systems. HB 4025 would exempt employees of the Department of Health, health facilities, and human services from classified civil service and grievance procedures beginning July 1, 2026, while preserving status for some current employees and allowing exemptions to comply with federal requirements; the committee adopted a piecemeal amendment and reported it as amended. HB 5441 would eliminate separate civil service systems for Transportation, Revenue, and the Bureau for Social Services and move classifications and compensation structures to the Division of Personnel, with testimony from the governor’s counsel emphasizing faster hiring and more flexibility; the committee adopted the strike-and-insert amendment and reported the bill as amended.
House Bill 4602, a child welfare pilot program creating a private community-based system for post-removal services, drew testimony from DHS about concerns over costs, continuity, oversight, and child well-being outcomes, while supporters argued it could reduce caseloads and improve flexibility. The chair amended the bill to remove one of the two pilot regions, leaving only the Berkeley/Jefferson County pilot, and the committee then reported the bill as amended despite opposition from the senator from Marion. House Bill 4106, removing the provisional concealed handgun license requirement for ages 18 to 21, heard testimony from a pediatrician opposing the change and from a gun rights advocate supporting it; an amendment requiring firearms training for under-21 carriers failed by a 1-14 roll call, and the committee then reported the bill as amended.
Finally, House Bill 4198, after a subcommittee rewrite, was advanced with a strike-and-insert amendment that refined E-Verify requirements for public and private employers, added exemptions for certain small or new employers and sole proprietors, clarified recordkeeping and notice requirements, and adjusted penalties and enforcement procedures. After a motion for the previous question, the committee adopted the amendment and reported HB 4198 as amended. House Bill 5319 was removed from the agenda, and the committee adjourned.
WV
West Virginia 2026 Regular Session
WV Senate Judiciary Committee in Session Mar 11th, 2026 at 09:05 pm
Judiciary
Transcript Highlights:
- this would be moving that special merit system into the Division of Personnel, so that there is one single
- So I would assume that most contractors would come in and take the workforce that's already trained and
- wouldn't fall under the same probably retirement system or medical system and all; it'd be under the contractors
KY
Kentucky 2025 Regular Session
Commission on Race & Access to Opportunity (6-24-25)
Transcript Highlights:
- This general contractors accountable.
- to a certain minority contractor.
- And so when we went that contractor.
- We realize that many of our contractors, we have a wealth of minority contractors in this state who are
- contractors in this wealth of minority contractors in this state<01:19:50.239>
who <01:19:50.480
Summary:
The committee heard testimony focused on barriers facing minority-owned businesses and on local programs intended to improve access to capital and contracting opportunities. A representative from the U.S. Black Chambers described disparities in minority spending, argued for more intentional and transparent investment in Black communities, and emphasized the need to disaggregate data, hold officials accountable, and expand tools such as the byBlack certification directory. He also stressed that businesses need technical assistance, resources, and opportunities to grow through mergers, consortiums, and joint ventures.
The main presentation then came from Larry Forester and Tyrone of Commerce Lexington, who outlined what they called eight major barriers for minority businesses, including limited access to capital, weak mentorship networks, discrimination and bias, bureaucratic hurdles, branding and visibility challenges, stereotyping, generational knowledge gaps, and limited financial literacy. They described several Commerce Lexington initiatives: the Access Loan Program, which brings small businesses before a pool of 26 lenders; a Minority Business Accelerator to help firms scale and connect with prime contractors; and an Opportunity Exchange for business owners to share experiences and lessons learned. They said the Access Loan Program has funded nearly $26 million in loans with an average loan size of about $62,000.
Members asked about bias in lending and how to make contracting and certification easier for minority firms. Forester said applications are vetted by a subcommittee before reaching the full lender group, with attention to completeness and readiness, and that only one lender needs to say yes. On contracting, the witnesses said certification can be burdensome and suggested more hands-on help from the state, relationship-building events that include decision-makers, and incentives rather than mandates. They also relayed policy ideas from a business owner, including culturally informed underwriting, public-private matching grants, supplier diversity enforcement, and mentorship tied to capital access. No votes or formal committee actions were taken in the portion provided.
TX
Transcript Highlights:
- This concerns single-stair buildings for small-scale apartments.
- Every single unit is within 20 feet of a stairway.
- This concerns single-stair buildings for small-scale apartments.
- Every single unit is within 20 feet of a stairway.
- These have a single staircase.
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum at the start, adopted a two-minute limit for public testimony, and heard a series of housing, local government, fire code, and district-governance bills. Several measures were laid out with committee substitutes, including SB 628 on county fire code administration through interlocal agreements with emergency service districts; SB 208 creating a Workforce Housing Capital Investment Fund for zero-interest loans to nonprofit builders; SB 2835 allowing cities to opt into single-stair apartment buildings; and SB 2477 easing office-to-residential conversions in certain cities. Other bills addressed ESD spending thresholds (SB 2778), hospital district updates (SB 1042), subdivision/platting issues (SB 1708), public housing tax credit eligibility (SB 2608), groundwater district representation for Marfa and Presidio (SB 3044), park board authority in Waller County (SB 2367), ETJ removal procedures (SB 2523), and reporting death certificates to appraisal districts to help address squatting and homestead issues (SB 2521).
Testimony was largely supportive on the housing bills. Supporters of SB 208, including Habitat for Humanity affiliates, a Brownsville nonprofit developer, Texans for Housing, and an educator, said the revolving fund would help nonprofit builders finance land, infrastructure, and development costs for affordable homes, especially for families earning 30% to 80% of area median income. SB 2835 drew support from architects, planners, and housing advocates who argued that single-stair buildings can be safe, more efficient, and better suited to missing-middle housing, though the Texas APA registered qualified opposition, saying the proposal bypasses the usual code-development process and may not be sufficiently studied. SB 2477 also received broad support from housing groups and policy organizations, who said office conversions could help address vacancy and housing shortages, though Corpus Christi raised a concern about fee recovery and local cost reimbursement.
The committee also heard support for SB 628 from a county fire marshal and an ESD representative, who said the bill would reduce duplicate fire-code enforcement and costs. SB 2778 was backed by a Bexar County ESD fire chief, who said the current $2,000 expenditure approval threshold is outdated and slows emergency purchases and repairs. SB 2608 was supported by the El Paso housing authority, which said adding certain Section 8 projects to the at-risk LIHTC set-aside would help renovate aging subsidized housing. SB 3044 was presented as a way to give Marfa and Presidio representation on the groundwater district board while preserving permitting authority. Each bill heard public testimony was left pending subject to the call of the chair, and the committee recessed to reconvene after the Senate adjourns.
TX
Transcript Highlights:
- This concerns single-stair buildings for small-scale apartments. Thank you, Mr. Chairman. Members.
- This concerns single-stair buildings for small-scale apartments.
- Every single unit is within 20 feet of a stairway.
- And so it prohibits the building, the construction of single-staircase apartment complexes of greater
- So what is a single-stair building? That's the first question we get.
Bills:
SB208, SB628, SB777, SB1042, SB2354, SB2477, SB2521, SB2523, SB2608, SB2703, SB2778, SB2835, SB2965, SB2367, SB3044
Keywords:
workforce housing, capital investment fund, affordable housing, housing development, Texas housing laws, loan programs, community development, Texas housing, zero-interest loans, low-income housing, nonprofit organizations, construction, economic stability, housing affordability, capital investment, Texas housing policy, county fire code, fire marshal, local government code, interlocal agreement
Summary:
The Senate Committee on Local Government met with a quorum and limited public testimony to two minutes per person. The committee heard Senate Bill 628 by Senator Zaffirini, which would clarify that counties may enter interlocal agreements with emergency service districts to administer and enforce county fire codes, including for multi-county ESDs in the committee substitute. Witnesses from Travis County ESD-11, the Travis County Fire Marshal’s Office, and a member of the public supported the bill as a way to reduce duplication, costs, and jurisdictional confusion. Public testimony was closed and the committee substitute was left pending.
The committee then heard several housing-related bills. Senate Bill 208 by Senator West would create a Workforce Housing Capital Investment Fund to provide zero-interest loans to nonprofit builders for workforce housing; Habitat for Humanity representatives, a Brownsville nonprofit developer, and housing advocates supported it as a way to finance infrastructure and land development for affordable homes. Senate Bill 2835 by Senator Johnson would allow cities to opt into single-stair apartment buildings for small-scale, multi-story housing; supporters said the design is safe and could expand housing supply, while the Texas APA expressed qualified opposition over code-process concerns and fire-safety questions. Both bills were left pending after testimony.
Additional bills heard included SB 1042 updating the Kimble County Hospital District’s enabling law; SB 1708, a committee substitute protecting familial property divisions from platting requirements; SB 2778 raising the ESD expenditure threshold requiring board approval from $2,000 to up to $50,000; SB 2608 expanding LIHTC eligibility for certain public housing projects; SB 3044 adding board representation for Marfa and Presidio on the Presidio County Underground Water Conservation District and adjusting an exemption; SB 2367 extending park board authority to Waller County; SB 2523 clarifying ETJ reduction procedures and owner opt-out rights; SB 2521 requiring death-certificate reporting to appraisal districts to help address squatting and homestead exemption issues; and SB 2477 easing office-to-residential conversions in larger cities. In each case, the bills were laid out, testimony was taken, and the measures were left pending subject to call of the chair. The committee then recessed until 15 to 30 minutes after adjournment.
NH
New Hampshire 2025 Regular Session
House Municipal and County Government (01/13/2025)
Municipal and County Government
Transcript Highlights:
- I've talked to other clerks, and I haven't found a single clerk that disagrees with this bill.
- clerks and I haven't found a single clerks and I haven't found a single clerk<01:36:41.159>
that - They'll send a contractor out, and the contractor will make the changes to your house.
- They'll send a contractor out, and the contractor will make the changes to your house.
- out and the they'll send a contractor out and the contractor<02:19:59.399>
will <02:19:59.520>
LA
Louisiana 2026 Regular Session
Commerce, Consumer Protection and International Affairs May 6th, 2026
Transcript Highlights:
- So, under the current bill, the Contractors Board would have much more inspectors.
- So I do believe under the Contractors Board, it establishes a better protocol, a better approach, and
- who have a subcommittee under the state Contractors Board.
- If you disagree with their findings, you could appeal to the state Board of Contractors.
- It's that three-minute rule. with the State Licensing Board for Contractors.
Summary:
The Senate Commerce Committee met on May 6, 2026, with five members present and approved the prior meeting minutes. The committee first heard HB 750, a “click-to-cancel” consumer protection bill requiring subscription cancellations to be as easy as sign-up and to be available through the same method used to subscribe. An amendment was adopted, testimony included support from labor and consumer advocates and opposition from some business groups, and the bill was reported favorably as amended.
The committee then took up SB 414, which was narrowed to cap interest on medical debt at 3%. After reconsidering and replacing prior amendments, the committee adopted the new amendment set and reported the bill favorably as amended. HB 799, concerning inspection licensing for elevators, escalators, and boilers, was presented by the State Fire Marshal and reported favorably with little discussion.
The longest discussion centered on HB 953, a major plumbing workforce and licensing reform bill. The bill was amended substantially: the original proposal to move plumbing oversight to the Contractors Board was removed, the plumbing board remained in place, apprenticeship and journeyman/master plumber hour requirements were revised, penalties and reporting requirements were added, and language was included to support workforce development and reentry training. The committee heard both support and opposition, including clarification from the State Plumbing Board that it already has an appeals process through the courts, and HB 953 was reported favorably as amended.
Finally, HB 220, the “PROTECT Act,” was heard to require covered online platforms to maintain a clear and usable mechanism for reporting child sexual abuse material and exploitation. An amendment was adopted to account for platforms that require registration to access content, testimony was supportive, and the bill was reported favorably as amended. HB 952 was deferred, and HB 827, a related plumbing workforce bill, was amended to align more closely with HB 953 but then failed a motion to defer by roll call vote, allowing it to remain pending. The committee then adjourned.
TX
Texas 89th Regular
Press Conference: Senators Royce West and Borris Miles Apr 2nd, 2025
Texas Senate Floor Meeting
Bills:
SJR12, SCR39, SB7, SB8, SB27, SB29, SB125, SB241, SB371, SB396, SB406, SB464, SB568, SB578, SB608, SB617, SB660, SB689, SB693, SB707, SB731, SB732, SB763, SB779, SB836, SB854, SB857, SB875, SB878, SB879, SB906, SB920, SB921, SB922, SB942, SB965, SB985, SB996, SB1029, SB1035, SB1036, SB1059, SB1084, SB1098, SB1101, SB1185, SB1188, SB1321, SB1332, SB1366, SB1388, SB1396, SB1453, SB1484, SB1494, SB1536, SB1563, SB1596, SB1610, SB1619, SB1737, SB1738, SB1741, SB1816, SB1822, SB1841, SB1939, SB2155, SB2188, SB2230, SJR36, SJR12, SJR81, SJR50, SCR22, SCR12, SCR39, SB765, SB62, SB666, SB888, SB687, SB847, SB1248, SB504, SB857, SB305, SB296, SB284, SB241, SB304, SB1023, SB204, SB609, SB670, SB850, SB854, SB413, SB1346, SB1033, SB1220, SB1073, SB810, SB1539, SB447, SB406, SB985, SB1119, SB1505, SB1215, SB1302, SB583, SB673, SB681, SB1172, SB608, SB955, SB957, SB1120, SB541, SB1737, SB266, SB1415, SB125, SB53, SB1352, SB785, SB1450, SB1502, SB1566, SB414, SB1062, SB578, SB711, SB746, SB942, SB1404, SB1448, SB1738, SB507, SB689, SB1026, SB1349, SB1355, SB1433, SB1434, SB1596, SB1403, SB763, SB667, SB1059, SB617, SB1567, SB310, SB311, SB505, SB1209, SB1210, SB1470, SB264, SB1029, SB1358, SB1364, SB1569, SB1376, SB1228, SB519, SB878, SB1350, SB462, SB827, SB1585, SB1396, SB920, SB1484, SB1273, SB1741, SB7, SB927, SB1227, SB1229, SB1353, SB1366, SB1464, SB1709, SB1729, SB1733, SB1744, SB1772, SB1816, SB1841, SB2188, SB1147, SB879, SB1008, SB1536, SB2016, SB1453, SB1173, SB1163, SB996, SB27, SB568, SB1370, SB1321, SB1101, SB906, SB860, SB1563, SB993, SB693, SB1610, SB1537, SB836, SB1332, SB1307, SB963, SB493, SB922, SB984, SB1084, SB619, SB1098, SB1122, SB455, SB522, SB1057, SB1239, SB1254, SB1255, SB1259, SB1341, SB1664, SB1877, SB464, SB1277, SB32, SB732, SB660, SB731, SB921, SB268, SB1822, SB1188, SB1939, SB1589, SB397, SB1388, SB2230, SB1058, SB1036, SB1267, SB2112, SB1930, SB532, SB1035, SB2155, SB508, SB29, SB292, SB291, SB901, SB1333, SB1436, SB1494, SB964, SB779, SB1378, SB2312, SB1719, SB1386, SB287, SB2143, SB1245, SB261, SB1247, SB1948, SB2406, SB2407, SB1882, SB1197, SB1814, SB618, SB38, SB393, SB2065, SB1371, SB1394, SB1365, SB2243, SB2226, SB2039, SB1919, SB1895, SB1598, SB1493, SB1810, SB1791, SB1706, SB1644, SB1238, SB783, SB458, SB22, SB651, SB897
Keywords:
parental rights, education, constitutional amendment, school choice, child education, border security, southern border, federal immigration policy, illegal immigration, cartels, transnational cartels, fentanyl, drug trafficking, human trafficking, Operation Lone Star, Texas border, National Guard, state guard, border wall, border barriers
DE
Delaware 2025-2026 Regular Session
House of Representatives Legislative Session - Session 2 - 41st Legislative Day Jun 25th, 2026
Delaware House Floor Meeting
Transcript Highlights:
- Since FY 2019 through FY 26, $8.7 billion in resources to every single community and every nook and cranny
- It changes the age requirement of employees, contractors, or volunteers to perform certain duties at
- One of those dealers sold eight guns to a single straw purchaser in one and a half months.
- One of those dealers sold eight guns to a single straw purchaser in one and a half months.
- One of those dealers sold eight guns to a single straw purchaser in one and a half months.
Summary:
The House convened with Girl State participants presiding for part of the session, including introductions of the student leadership and a unanimous voice vote passing House Concurrent Resolution 152 honoring the young women participating in Delaware Girl State. The chamber also welcomed congressional interns and other guests, accepted the prior day’s minutes, and observed a moment of silence for Nathan Cynix and Kara Feeley before prayer and the Pledge of Allegiance.
A major portion of the meeting was devoted to tributes for Representative Ron Gray, who was recognized for his 14 years of service and his work on issues such as bond bills, dredging, bike paths, small business, constituent service, and agriculture-related funding. Multiple members from both parties praised his humor, honesty, mentorship, and dedication to the House and his district. Gray responded with extended remarks reflecting on his family legacy, legislative service, and appreciation for colleagues and staff, and the chamber later sang “Take Me Out to the Ball Game” at his request.
The House then received communications, including Senate messages returning several bills and informing the chamber of Senate passage of additional measures. Members were also told that the FY27 bond bill, House Bill 500, had been placed on desks as a gift for review. The House read in Consent Agenda S, which included House Bill 476, House Joint Resolution 13, Senate Substitute 1 for Senate Bill 168, Senate Bill 297, Senate Substitute 1 for Senate Bill 319, and Senate Joint Resolution 21, and began a roll call vote on the consent agenda.
AL
Transcript Highlights:
- district for being State basketball district for being State basketball champions this year in the single
- a onea champions this year in the single a onea champions this year in the single a onea we have robbert
- one of them got it that's not a single one of them got it that's not a single one of them got it that's
- they were going to say they didn't this they were going to say they didn't have to have a general contractor
- have to have a general contractor have to have a general contractor license and they do so we just cleaned
WY
Wyoming 2026 Regular Session
Senate Floor Session-Day 7, February 17, 2026-PM
Wyoming Senate Floor Meeting
Transcript Highlights:
- c><02:09:33.599>
nonW2 contractor, we mean a nonW2 contractor, we mean a nonW2 self-employed<02 - It’s an independent contractor.
- That's the fear from an contractors.
- So two um independent contractor.
- Contractor, everyone sees this person as an independent contractor and they are free from the control
NH
New Hampshire 2025 Regular Session
Senate Executive Departments and Administration (04/09/2025)
Executive Departments and Administration
Transcript Highlights:
- Property and excluding the—this is a very, very, very large piece of data to whittle down to a single
- <01:22:05.280>
business electrical contractors business electrical contractors business association - A single symbol, large shapes, the flag should be recognizable from a distance.
- A single child can draw it from memory.
- And I feel personally I can't speak to the motivations of why those committees were singled out.
NH
Transcript Highlights:
- So would you be using the contractors at all?
- So in those cases, we have to use a contractor.
- <00:20:28.480>
where <00:20:28.640>the using contractors in cases where the using contractors - <00:20:35.200>
at So would you be using the contractors at So would you be using the contractors - Um cases, we have to use a contractor.
MN
Minnesota 2025-2026 Regular Session
House Commerce Finance and Policy Committee 3/11/26
Commerce Finance and Policy
Transcript Highlights:
- You know, you'll have guarantees with contractors and subcontractors.
- >
and guarantees with contractors and guarantees with contractors and subcontractors. subcontractors - You're using every single bit of your premium to pay for the claims that are coming in.
- You're You're<00:29:37.440>
using <00:29:37.720>every <00:29:37.920>single <00:29 - I mean, this presentation, word for word, is a perfect argument for single-payer health care.
Keywords:
travel insurance, regulation, insurance licensing, consumer protection, travel assistance, short-term rental, vacation rental, home sharing, rental marketplace, online platform, property damage guarantee, damage waiver, reimbursement insurance, insurance regulation, commerce department, platform user, Airbnb, Vrbo, host protection, rental home marketplace