Gig work is a primary income source for >10% of the US workforce, while >50% is expected to freelance or contract by 2027.
Insurance remains the key gap: an estimated 35% of US gig workers lack health coverage, with disability and income protection less common.
For app-based drivers, personal auto policies often exclude work periods; platform coverage may begin only after a ride is accepted, not before.
Home-based freelancers and contractors may need a business property endorsement or inland marine policy when personal coverage excludes business equipment or liability.
Industry adjustment is underway: insurers and platforms are adding app-based, usage-based, project-specific, monthly, yearly, and hybrid coverage options for independent workers today.
