The gig economy offers numerous freelance opportunities accessible at the tap of a smartphone. However, many gig workers are unaware of the potential coverage gaps in their insurance policies when it comes to injuries or property damage.
- Transportation Network Company (TNC) Drivers (UBER, Lyft) – Limited coverage is provided while transporting passengers, but minimal to no coverage exists when enroute to pick them up.
- Delivery Network Platforms (Uber Eats, DoorDash, Instacart, Amazon Flex) – Generally no insurance coverage is provided.
- Freelance Consulting (Fiverr, Upwork, Freelancer) – Typically, no coverage is included.
- Dog Walking Services (Rover, Wag) – No insurance coverage is provided.
Are You Covered?
- Does your auto insurance policy cover you? No. Standard auto insurance does not extend coverage when transporting passengers, delivering food, or handling other paid deliveries.
- Does your home insurance policy protect you? No. Home insurance does not cover claims related to dog walking injuries or accusations such as defamation from freelance work.
If you are engaged in any gig work – whether delivery, ride-sharing, or freelance services – contact our office today. Your current insurance policy likely does not provide coverage, but we can help you find simple, affordable solutions to protect your family.