Insurance for the gig economy

• Accidental Death, Dismemberment and Paralysis
• Primary or Excess Accident Medical Expense
• Passenger accident: Covers non-fare-paying passengers in a contractor’s vehicle, helping to reduce the platform’s liability exposure.
• Up to $250 reimbursement: For the repair or replacement of a smartphone/tablet if damaged during a covered accident.
• Extended accident coverage: Limited coverage available to contractors outside of work assignments.
• Sexual assault counseling: Expanded benefits if assaulted while on a gig

• Flexible rating and coverage pricing per mile, per delivery, per task, per hour, per day, per week, per month, etc.
• Ability to consider earnings from all platforms the contractor is working on when calculating disability benefits.
• Flexible premium structure that can be company-paid or contractor-paid.
• In-house Claims unit dedicated to Occupational Accident and Contingent Liability claims with amenities such as:
  • Pharmacy direct billing service
  • Medical provider referral service
  • Managed care through Zurich staff doctors and nurses
  • In-house subrogation and special investigations team
  • Contact with claimant and platform within two business days of reported claim.
  • Multilingual capabilities

Gig platform companies that choose Zurich’s Occupational Accident Insurance for their employees or contractors have the following options.

• Contingent Liability: Offers companies legal defense and workers’ compensation settlement/benefit costs if a covered contractor seeks employment status for purposes of receiving workers’ compensation.
• Corporate Workers’ Compensation: Statutory Workers’ Compensation policy issued to a company to cover employee injuries and events outlined in state law. Generally provides coverage for medical bills and lost wages for employees who are injured on the job regardless of fault.