Gig and Embedded Products

Distribution of products and programs through software and software companies. Primarily focused on mobile app-based companies: rideshare, on-demand labor, freelance/gig/task services. Industries with high percentage of gig workers, freelancers and independent contractors.

Gig and Embedded Overview

Ways you can Embed insurance products

Embedded insurance doesn't need to be a 6 figure investment or a 6 month engineering sprint. It can be simple, affordable (sometimes free), and easy to implement

  • Opt-in via your terms of service during onboarding or sign-up flows
  • Point of Sale (POS) - offer insurance products when someone is buying an anchor product or service
  • Warranty or Guarantee - offer a guarantee to your clients to build consumer confidence but transfer the risk to an insurance product
  • Application Programming Interface(API) - Trendy, the rage, the sexy solution, the VC buzzword.  We have the experience, we have the technology, we have the capability. It can be costly and expect 2-4 months of implementation.

Target Classes:VC backed companies, emerging technology, Technology Start-ups, space sharing, product sharing and much more! 

 "Gig" Target Classes

App-based technology connecting workers and part-time work 
Transportation Network Companies (TNC) 
Delivery Network Companies (DNC) including last mile delivery 
Staffing companies – traditional or app based 
Companies with a large pool of independent contractors 
Industries: Healthcare, hospitality, light industrial, technology, transportation, light blue collar. 
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Program Highlights

Exclusive Program
Aggressive Commission Structure
Client Centric Policy Creation 
A Rated Security
Fast Turnaround Times
Coverage provided via monthly reporter provided by the technology company with monthly premium collection
Most policies are usage-based. (i.e. per hour, per job and per mile)
Director is one of the few producers in the country that specializes in sharing economy and 'gig' type of risks
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Coverage Features

  • Available Coverages: General Liability, Occupational Accident and Ancillary Coverages (i.e. Cyber, Directors and Officers, and Workers’ Compensation)
  • Minimum Premium | $25,000 
  • Liability: Non-Admitted
  • Occupational Accident: Admitted
  • Coverage Enhancements Available Including Coverage for Independent Contractors 
  • All 50 States
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Recent Wins

On Demand Platform

  • Coverage Lines & Limts
    • Occupational Accident: $1MM

Premium: $250,000

Healthcare Staffing Company

  • Coverage Lines & Limts
    • Occupational Accident: $1MM

Premium: $100,000

IC Compliance Software

  • Coverage Lines & Limts
    • General Liability: $1MM/$2MM

Premium: $600,000

Accident

Gig Economy

Gap Insurance

Contractors

Key Gig & Embedded Team Member

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