4) Income Protection and Disability Insurance
Challenge: Gross income instability is often experienced by gig workers because gigs are temporary. When they fall ill or are injured, no safety net is provided.
Shift: Insurance providers now provide short-term income protection or disability insurance plans customized for freelancers. The plans provide pay when a worker has episodes of illness or disability and cannot perform gigs.

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.

1) Health Insurance
Issue: Generally, the health insurance product is not offered by employers to their gig workers. The gig workers will need to find individualized health plans.
Shift: The demand for flexible, affordable health insurance products that are easier to adapt to the variable, or spasmodic, income of the gig worker is emerging. Governments and companies are also doing new, emerging models for portable benefits.

4) Income Protection and Disability Insurance
Challenge: Gross income instability is often experienced by gig workers because gigs are temporary. When they fall ill or are injured, no safety net is provided.
Shift: Insurance providers now provide short-term income protection or disability insurance plans customized for freelancers. The plans provide pay when a worker has episodes of illness or disability and cannot perform gigs.

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.

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

1) Health Insurance
Issue: Generally, the health insurance product is not offered by employers to their gig workers. The gig workers will need to find individualized health plans.
Shift: The demand for flexible, affordable health insurance products that are easier to adapt to the variable, or spasmodic, income of the gig worker is emerging. Governments and companies are also doing new, emerging models for portable benefits