COI.
search Request for Consideration arrow_forward menu
close Submit Innovation
close
Insurance verified Verified Outcome TRL 9

API-Integrated Gig Economy Insurance

domain Client: Food Delivery Platforms handshake Provider: Zego schedule Deploy: 2016-Present
91 Impact
Enterprise Ready
Evidence Score: 5/10
Strength: High

Executive Summary

ANALYST: COI RESEARCH

Usage-based insurance that integrates directly with work platforms to cover drivers by the hour or minute only when they are logged in and working.

rate_review Analyst Verdict

"Solved the 'uninsured gap' for the gig economy. Traditional annual commercial policies were too expensive for part-time drivers. This 'switch on/switch off' model via API is the only viable solution for flexible work."

lock
Full Audit Report Available Includes Risk Register, Technical Specs & Compliance Data.

warning The Challenge

Delivery drivers often used personal vehicles for work, invalidating their personal insurance. Commercial 'Hire & Reward' insurance was expensive and sold annually, which was prohibitive for someone working only a few hours a week. This led to high rates of uninsured driving and regulatory risk for the platforms.

psychology The Solution

Built an API integration with platforms like Deliveroo and Uber Eats. When a driver logs into the app to accept a job, Zego receives a signal and 'switches on' the insurance. When they log off, it stops. The premium is calculated by the minute and deducted from their earnings or paid via a wallet. This aligns cost perfectly with revenue generation.

settings_suggest Technical & Deployment Specs

Integrations
Work Platform APIs
Deployment Model
Embedded
Data Classification
Driver / Location Data
Estimated TCO / ROI
Variable
POC Summary ( to )

"N/A"

shield Risk Register & Mitigation

Risk Factor Severity Mitigation Strategy
API Failure High Fail-safe coverage protocols.
Claims Leakage Medium GPS verification of job status.

trending_up Impact Trajectory

Audited value realization curve

Millions of hours covered Verified Outcome
Primary KPI100% alignment of risk and coverage
Audit CycleReduction in uninsured driver incidents

policy Compliance & Gov

  • Standards: Road Traffic Act
  • Maturity (TRL): 9
  • Evidence Score: 5/10
  • Data Class: Driver / Location Data

folder_shared Verified Assets

description
Verified Case Study
PDF • Version 1
lock
verified_user
Technical Audit
PDF • Audited
lock

Related Intelligence

article
Predictive Aging & Long-Term Care Intervention
View Outcome →
article
AI for Radiology Prioritization
View Outcome →
article
Hospital-at-Home Logistics
View Outcome →
Security Architecture

The "Blind Verification" Protocol

How we verified these outcomes for Food Delivery Platforms without exposing sensitive IP or identities.

Private
lock_person

1. Raw Evidence

Audit ID: #PRIV-566
Evidence: Direct SQL Logs
Public
public

2. Verified Asset

Outcome: Verified
Ref ID: #COI-566

Strategic Action Center

Identify your current stage and take the next step.

rocket_launch
Replicate This Success
Want similar results? Request a deployment consultation.
psychology_alt
Submit Challenge
Have a different problem? Submit your problem statement.
publish
Publish Case Study
Submit your own verified evidence.
thumb_up
Verify Impact
Audit your existing solution.