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Insurance for the gig economy

dog walker

What is insurance for the gig economy?

Growth in the gig economy has opened new pathways for independent contractors to earn income and for companies to get things done. New opportunities can bring risks, such as gaps in work injury coverage. Our insurance for the gig economy can help fill those gaps.

Our solution provides accident coverage for independent contractors not covered under a workers’ compensation policy, paying medical expenses and disability income if the contractor is injured while working. Coverages are available for a wide range of independent contractors — such as home health care workers, landscapers, dog walkers and delivery drivers — through the companies and platforms that connect them with work.1

Zurich’s accident insurance for the gig economy empowers individuals and organizations to pursue their goals their way.

Why Zurich?

We’ve provided Occupational Accident solutions since 1997, and our customer retention rates exceeded 90% in 2018.2 Our underwriters can help you navigate state regulations across various sectors of the gig economy.

We customize coverages for the needs and budgets of independent contractors, and we simplify the solutions for the platform that sponsors the offering. Coverages can be structured in a variety of ways with optional enhancements available.

Claims service
Our in-house Claims team, dedicated to Occupational Accident and Contingent Liability lines, averages over 20 years’ experience.3 Zurich’s claims service earns “Best in Class” scores from our customers.4



Coverages for gig workers

  • 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

Coverages for gig platform companies

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.


Related industry and insurance

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nurse in lab

Life and absence management solutions


Professional Liability

3D printer


1. Coverages may differ by state.
2. Zurich bound 94% of the renewals that were quoted in 2018.
3. Based on insurance industry experience handling claims as of October 2019.
4. Zurich Closed Claims Net Promoter Score: 83 (January 2017-June 2019). “Best in Class” NPS threshold for insurance industry: 51 (2019). Source: Medallia. This is intended as a general description of certain type of insurance available to qualified customers, provided solely for informational purposes. Insurance coverages are underwritten by Zurich American Insurance Company, a New York domiciled company with its principal place of business at 1299 Zurich Way, Schaumburg, IL 60196 (NAIC # 16535). The terms and conditions of the policy described in this brief summary are governed by the individual policy document that contains the complete terms. In the event of any discrepancy between the information in this brief summary and the policy, the policy document shall govern. Coverages and rates are subject to individual insured meeting our underwriting qualifications and product availability in applicable states. Some coverages may be written on a nonadmitted basis through licensed surplus lines brokers.