GigSmart Shift Worker Insurance
GigSmart offers three types of insurance coverage to protect you while hiring Shift Gig Workers.
Occupational Accident Insurance (OAI)
GigSmart offers Occupational Accident Insurance (OAI) to eligible GigSmart Shift Gig workers through the On-Demand Independent Contractors Association (ODICA). The Association provides educational resources, unique services and products for independent contractors operating in the gig economy.
OAI provides benefits to eligible GigSmart Shift Gig workers for covered injuries and fatalities that occur while providing on-demand services through the GigSmart Get Gigs app. Some of the benefits provided by the OAI policy include:
- Accidental Death Benefit: up to $10,000
- Survivor’s Benefit: up to $90,000 for eligible dependents
- Accidental Dismemberment Benefit: up to $100,000
- Paralysis Benefit: up to $100,000
- Temporary Total Disability Benefit: up to $500 a week
- Medical Expenses: up to $1,000,000 with no deductible or copay
To learn more about GigSmart’s OAI coverage, please contact GigSmart.
Note: OAI coverage is only available to GigSmart workers completing Shift Gigs. Project Gigs and workers who submit applications through the GigSmart Job Board are not covered.
General Liability Insurance
General Liability insurance covers your costs when responding to a claim that a Shift Gig worker caused property damage or bodily injury while working your Gig.
To learn more about GigSmart’s General Liability insurance coverage, please contact GigSmart.
Note: General Liability coverage is only available to GigSmart workers completing Shift Gigs. Project Gigs and workers who submit applications through the GigSmart Job Board are not covered. The General Liability insurance coverage DOES NOT cover the following Gigs if such Gigs includes any of the following: use of cranes, bulldozers, trucks or any other forms of construction equipment, scaffolding erection, and assembly or related services, aircraft, watercraft, video game developers, placements in correctional facilities or mental health institutions, or the cannabis industry (or any part thereof).
Hired and Non-Owned Automotive Insurance
Have a Gig requiring driving or delivery? Hired and Non-Owned Auto insurance covers your liability when the personal vehicle of a GigSmart Shift Gig worker is driven for business during your Gig. It covers damage to another vehicle or property and medical costs associated with injury to a third party from an accident.
To learn more about GigSmart’s Hired and Non-Owned Auto insurance coverage, please contact GigSmart.
Note: Hired and Non-Owned Auto insurance coverage is only available to GigSmart workers completing Shift Gigs. Project Gigs and workers who submit applications through the GigSmart Job Board are not covered. The Non-Owned Auto insurance coverage DOES NOT cover the following Gigs if such Gigs includes any of the following: use of cranes, bulldozers, trucks or any other forms of construction equipment, scaffolding erection, and assembly or related services, aircraft, watercraft, video game developers, placements in correctional facilities or mental health institutions, or the cannabis industry (or any part thereof).
Contact Us
If you have additional questions about Shift Gig worker insurance coverage, we want to hear from you. Please contact us directly and a member of our team will follow-up with you right away.