@Hasan78 Yes there is insurance that covers strs. It isn't cheap. And I don't think that as a renter who is subletting, you could get it.
No, you really have no way to do background checks on Airbnb guests. Airbnb doesn't even require that guests list their full name. You can ask to see ID before admitting guests to your property, but you can't ask for it when they book.
The Airbnb so-called security deposit is a joke- they don't charge it the guest when they book, or put a hold on the guest's credit card. If a guest causes damage, you have to tequest the guest to pay up, most refuse, then you have to try to get Airbnb to cover it, which is fraught with frustration and is often unsuccessful.
And if you try to charge guests cash for a security deposit or anything else when they arrive, Airbnb can delist you for that.
Big professional property management companies with tons of listings have different rules they can play by, but regular hosts, no.
What you could explore is being a co-host for off-site hosts. In other words, you manage the listings, and deal with the guests for them. That can take on various forms- some hosts want a co-host to look after everything, schedule cleaners, keep up the maintenance, some may just want someone who could deal with issues that come up during a guest's stay, and meet and greet the guests.