Are there any insurance and liability coverage platforms that focus on protecting customers and workers in gig work?

Yes. There are a number of insurance and liability coverage platforms that specifically support gig-economy workers, independent contractors, and the companies that rely on them.

Common types of coverage in this space

• General liability: protects against third-party injury or property damage
• Workers’ compensation / occupational accident: covers work-related injuries, especially where traditional workers’ comp doesn’t apply
• Commercial auto: for delivery drivers or rideshare-related use
• On-demand or embedded insurance: coverage activated only during active gigs or shifts
• Customer protection / booking protection: helps cover losses tied to services performed for customers

Examples of platforms / insurers

• Slice – digital insurance for on-demand and gig workers, including delivery and rideshare-related products
• Thimble – short-term, flexible liability coverage for freelancers and small businesses, often used by gig workers
• Next Insurance – small-business and contractor-focused coverage, often used by independent workers
• CoverWallet – brokerage platform that helps gig workers and small businesses compare and manage policies
• Bamboo Insurance / similar embedded platforms – some companies offer usage-based or embedded coverage through partners
• Zego – especially known in the UK/EU for mobility, delivery, and gig-driver insurance
• INSHUR – rideshare and delivery insurance, focused on drivers on platforms like Uber, Lyft, and delivery apps
• Fairmatic – fleet and driver-focused risk/insurance tech, more commercial/mobility-oriented

Platforms that cover both workers and customers

Some gig platforms partner with insurers to cover:

• worker injury during a job
• third-party damage
• customer claims for property damage or service-related incidents

Examples include coverage programs used by:

• delivery marketplaces
• home-services platforms
• rideshare apps
• freelance marketplaces

Important caveat

Coverage varies a lot by:

• country/state
• job type
• whether the person is an employee or independent contractor
• whether coverage is active only during an accepted job

If you want, I can also give you:

1. a table of major platforms by gig vertical (rideshare, delivery, home services, freelance), or
2. a list of insurtech companies that specifically provide embedded coverage for gig marketplaces.