Any suggestions for guest damage insurance for booking.com?

[JD Martin]

Thought some of my experienced posters here might have some suggestions. 

I'm getting a lot of traction lately through booking.com. Unfortunately, they don't have the same kind of built-in damage purchase policy that VRBO has - you have some options for collecting a deposit, but I have found virtually all VRBO guests prefer to buy the damage policy instead of paying us a deposit for damages.

I'm not particularly happy accepting reservations without a deposit, even if most people won't damage anything. The booking.com damages claim seems to be limited to just a couple hundred dollars. What I'd like to do is just add a mandatory fee on my site and buy the insurance on behalf of the guest, unless someone has another suggestion of how damage waiver policies can be offered (and by whom). I of course have my own insurance with which I could make a claim but I have a deductible and it wouldn't make me whole.