# 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.
Canonical URL: https://www.sureapp.com/industries/gig-economy
Industry slug: gig-economy
Category: undefined
## Key metrics

- 118ms — Median latency for turn-on-at-shift-start commercial liability coverage events.
- $0.02/mi — Blended cost of coverage on a ride-share mile. Filed in all 50 states.
- 36hrs — Median time from driver AD&D claim submission to funds on the linked debit card.
- 2.1M — 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.
### 01. 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.
### 02. 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.
### 03. 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 workers already open

Prebuilt connectors for the systems the gig economy industry actually uses. Drop in a handful of keys. Skip the integration tour.
- Driver / courier apps — Shift events trigger coverage on/off.
- Marqeta / Galileo — Payout to linked platform debit.
- Stripe Connect — Multi-party split of premium and rev-share.
- Driver verification — Background-check integrations.
- Zendesk — Agents can adjudicate from a ticket.
- Model Context (MCP) — Agents can explain, quote, adjudicate.

## Compliance

- 50 states + DC, PR
- TNC state filings × 50
- AD&D filings in 50 states
- SOC 2 Type II
- SHA-256 ledger · per shift

## 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.
Primary action: Book a walkthrough