Gig economy or on-demand workforce insurance is designed to address the unique risks associated with independent contractors, freelancers and 1099 workers who are not covered by traditional employee benefit programs. Great American offers flexible insurance solutions that help protect both platform companies and their independent workforce.
Our on-demand workforce solutions are built for platform companies and organizations that rely on independent contractors, including those in transportation and delivery, healthcare services, professional services, hospitality, construction, technology platforms, staffing and more.
Independent contractors are generally not eligible for traditional workers’ compensation benefits. As a result, injuries sustained while working may not be covered. Occupational Accident insurance and other on-demand solutions help fill this gap.
Great American provides flexible coverage options including Occupational Accident, Contingent Liability, Workers’ Compensation and Auto Physical Damage. Coverage options can be structured to meet the specific needs of your platform and workforce.
Occupational Accident insurance provide benefits for covered injuries sustained while performing work-related activities. Depending on the policy, this may include medical expense coverage, disability benefits and accidental death and dismemberment coverage.
Contingent Liability coverage helps protect platform companies by providing legal defense if an independent contractor seeks workers’ compensation benefits as an employee. This coverage can offer an added layer of protection in an evolving regulatory environment.
Great American supports a wide variety of industries utilizing on-demand labor, including transportation and delivery, healthcare, manufacturing, construction, professional services, technology platforms and more.
Great American brings deep experience and financial strength to the on-demand workforce market, including more than 20 years of Occupational Accident expertise, dedicated in-house claims professionals and flexible, customized coverage solutions.
To learn more about Great American’s on-demand workforce solutions or to discuss your organization’s needs, contact one of our experienced representatives through the website or request additional information online.