Coverage for work that starts and stops
Insurance for the gig economy. Episodic liability for rideshare drivers and their riders, AD&D for the dog walkers and couriers, and equipment protection for the tools that make the gig possible. All priced by the shift, bound by the minute, claim-able from the app.
Median latency for turn-on-at-shift-start commercial liability coverage events.
Blended cost of coverage on a ride-share mile. Filed in all 50 states.
Median time from driver AD&D claim submission to funds on the linked debit card.
Per-shift policies activated monthly across Sure's gig-economy platform partners.
Coverage built into the apps your workers already open
Whether you run platform, brokerage, or direct channel, the platform has a shape that fits. Same underwriting, same ledger, three in-flow surfaces.
- Period 1 · online, no pax$50K/$100K · TPL
- Period 2 · matched$1M · combined
- Period 3 · passenger onboard$1M · combined + UM
- Cost · this shift$4.28
Coverage that flips on when the driver goes online.
Episodic liability for rideshare and delivery drivers, and the riders in the back seat. Active when the app is on, dormant when it's off, priced per mile, filed in every state the platform operates in.
- Period 1, 2, 3 logic baked into filings. No manual state handling.
- Rider-side coverage surfaced at trip-booking.
- Coverage ledger per shift, per driver, per ride.
- AD&D · $50K principalActive · app online
- Medical · on-the-job$25K
- Short-term disability$500/wk · 8 wks
- Last claim median36 hrs to payout
AD&D for the dog walkers, couriers, cleaners.
Occupational accident, AD&D, and short-term disability for any gig worker doing a real-world job, surfaced at signup, active whenever the app is online, settled directly to a linked payout rail.
- AD&D + occupational accident + short-term disability.
- In-app claim with photo + geo verification.
- Direct payout to the platform's debit card or ACH.
// Coverage for a $4,200 drill kit, per gig$ curl …/v2/equipment/activate -d '{"asset":"drill-kit","value":4200,"hours":3}'200 OK{ "coverage_id":"q_9112","price":1.20,"active_at":"now","expires_at":"+3h" }
Coverage for the tools the gig runs on.
For the e-bike, the dog grooming kit, the camera rig, the drill. Episodic equipment protection that prices per hour of use, per mile, or per gig, and settles a loss or theft claim in-app, in days.
- Priced per gig, per hour, or flat monthly.
- Geofence + time-window for theft exclusions.
- In-app claim with repair-or-replace workflow.
Built into the apps gig workersalready open already open
Prebuilt connectors for the systems the gig economy industry actually uses. Drop in a handful of keys. Skip the integration tour.
Shift events trigger coverage on/off.
Payout to linked platform debit.
Multi-party split of premium and rev-share.
Background-check integrations.
Agents can adjudicate from a ticket.
Agents can explain, quote, adjudicate.
“We selected Sure because their platform supports our ability to deliver a modern digital experience while maintaining the discipline and strength that define Jewelers Mutual. This collaboration allows us to bring our specialized jewelry insurance product to market in a way that meets evolving customer expectations, while staying grounded in the expertise and purpose that have guided us for more than a century.”
Price coverage by the shift. Bind it by the minute
Learn more about how Sure can launch your gig economy program in weeks, not months.