Not counting infants as guests.

I've had to decline several bookings lately because Airbnb doesn't count babies as a guest. But my insurance does and it's limited to four people. My permit does and it's limited to four people. Why does Airbnb do this? It's really frustrating. I don't want to be the bad guy, but I'm not going to violate my permit or my insurance as if there was an emergency it falls on me.