2) Liability Insurance
Issue: Most gig workers, especially those in the delivery business, ridesharing, or freelance work, stand the risk of being sued when performing services. For example, an Uber driver can sue for damages if involved in an accident on a job.
Ripple Effect: It's difficult for traditional liability insurance to cover activities related to gig work. Insurers are developing new, gig-liability insurance that covers workers while at work, on a pay-per-use basis, or on policies tied to particular jobs.
3) Workers' Compensation
Challenge: Gig workers are typically not covered under traditional workers' compensation; and they have no protections if they are injured on the job.
Shift: There is growing demand for compensation models focused on gig workers. More companies are providing optional insurance or accident coverage for workers on their platforms. New models, such as "portable benefits," that could provide protections for gig workers tied to the work they do rather than the employer.