For Gig Workers
The Safety Net You Can’t Afford to Skip
Why Indemnity Insurance is Essential for Gig Workers
As a gig worker, you are your business's sole employee. Without traditional HR support, your income stops the moment you are sidelined by illness or an accident. Accident and Sickness Insurance paired with SickPay Plus (or equivalent) provides the vital infrastructure for your financial survival.
- The Reality Gap: Health Insurance vs. Indemnity
Standard health insurance pays doctors; indemnity insurance pays YOU directly in cash. This distinction is critical when a week off the road leads to unpaid rent, car payments, and mounting utility bills .
|
Feature |
Standard Health Insurance |
Accident & Sickness Indemnity |
|
Covers Medical Bills |
Yes |
Sometimes (Lump sum) |
|
Covers Rent/Bills |
No |
Yes |
|
Paid Directly to You |
No |
Yes |
|
Deductible Barrier |
Often high |
Benefits start Day 1+ |
- SickPay Plus (Or Equivalent) as a Game Changer
Independent contractors often dread illness more than a recession because a few days in bed can ruin a monthly budget. SickPay Plus (or equivalent) is designed to bridge this gap:
- Low Barrier to Entry: Tailored for the gig economy workflow.
- Immediate Relief: Helps you recover without rushing back to work prematurely.
- Preserves Savings: Leverages small premiums to protect long-term goals like a new car or vacation.
- The "Cost of Doing Nothing" Calculator
Based on 2025—2026 averages, a full-time driver earns approximately $23.33/hour. A single week off can be financially devastating.
- Step 1: Daily Gap: An 8-hour shift equals $186.64; a 10-hour shift is $233.30.
- Step 2: Weekly Sickness Impact: A 7-day absence costs roughly $1,300.00 in lost gross income.
- Step 3: The Accident Multiplier: A fender bender while on-app can trigger a $1,000 to $2,500 deductible.
- Total Out-of-Pocket Disaster: Without coverage, a minor accident can cost $3,800.00.
- How Indemnity Insurance Flips the Script
An Accident and Sickness package ensures a $3,800 bad week doesn't become a year of debt.
|
Scenario |
Without Coverage |
With Elite Indemnity |
|
Weekly Income |
$0 (Total Loss) |
$700 - $1,000+ Cash |
|
Car Deductible |
$2,500 Out-of-Pocket |
Lump Sum covers it |
|
Stress Level |
High (Financial Crisis) |
Low (Business as Usual) |
- Compare the Plans: Finding Your Best Fit
Every business is different. We offer tiered protection to keep your wheels turning.
|
Feature |
Basic Protection |
Standard Plus |
Elite Safety Net |
|
SickPay Plus (Or Equiv.) |
3 days |
Up to 7 days |
Up to 14 days |
|
Waiting Period |
Standard (~7 days) |
Reduced (~3 days) |
Immediate / Day 1 |
|
Scope |
On-the-job only |
On & Off-the-job |
24/7 Global |
|
Recovery Bonus |
No |
One-time stipend |
Up to 3 months |
- Choose Basic if gig work is for extra money; it prevents your side hustle from becoming a liability.
- Choose Standard Plus if gig work is your primary income; it handles common "speed bumps" like the flu.
- Choose Elite if you are the sole provider; it ensures long-term recovery doesn't cause a financial crisis.
The Bottom Line: You wouldn’t drive without oil. Don't drive your career without a safety net