Zego will offer public liability insurance to freelancers for only the hours they work

Gig economy pay-as-you-go broker Zego is to start offering public liability insurance.

The start-up previously provided only driving and delivery cover for gig-economy workers who pay to be insured only on the hours they work in a role.

This move into public liability will provide cover for Britain’s 5m freelancers and self-employed workers in over 80 professions on a similar pay-as-you-go basis.

Zego is already integrated with 16 platforms on motor, including Deliveroo, and will now also begin partnering with babysitting app Bubble following this expansion.

And Zego confirmed it is in advanced discussions with similar platforms providing professional freelance services, handyman, home cleaning and home care services.

Fit for the modern world

Harry Franks, chief executive of Zego, said: “This is about making insurance fit for the modern world where people don’t necessarily work full time or in just one profession.

“We thought it was wrong that if I wanted to do a couple of hours work on the side I’d need an annual policy, so decided to do something about it. Insurance had to change.

“I saw first-hand while working at Deliveroo how insurance was stopping people getting into gig-work and when they did, potentially forcing them to work full time just to cover the cost of an annual policy.

“At Zego, we have already provided over 8m hours of flexible cover to tens of thousands of customers, but self-employment is so much bigger than transport.

“This is about protecting people exactly when they need it, in all the types of work that they may wish to do. That’s good for them and it’s good for their customers.”

Customers top up their insurance payments through an app, which calculates the amount to be paid by a customer for working a certain amount of time in a particular job.

Workers are protected for up to £1m in claims, and cover is available on an hourly, daily, weekly, monthly or annual basis.

Zego’s public liability insurance is underwritten by MGAM Limited on behalf of Builders Direct SA.

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