Insuring on demand is about making insurance products simple, easy, and accessible.
Occupational Accident
Occupational accident is a workers compensation-like coverage designed for 1099 workers. It provides benefits such as accident medical expenses, lost wages, disability, and more. Unlike workers compensation, it is flexible, affordable, and NOT an employee benefit. Ask about occupational accident if
You are a mobile-app-based company connecting enterprises with a labor pool
Have a large amount of 1099 workers
Working in the ‘Gig’ or sharing economy
A trucking, courier, or delivery company
Required to carry it as a TNC/DNC company under Prop 22
We can design an occupational accident program specific to your company and the type of data you collect. This can be priced:
Hourly
per mile
per job
a % of earnings
per day
per month
and more
Auto liability/Hired and non-owned auto (HNOA)
We provide auto liability solutions to
Transportation Network Companies (TNC)
Delivery Network Company (DNC)
“Gig” platforms/marketplaces
Other on-demand services
General Liability
General liability is a common requirement and an important coverage to protect your gig-economy company and independent contractors. We have many options and tiers of this coverage such as
Basic general liability just to cover your platform/corporation
Ways to add ‘drop-down’ coverage to cover you and your independent contractors
Usage-based policies to cover your independent contractors when you require them to buy their own coverage
Our general liability policies can come in several rating methods such as per-hour, per-job, a % of pay/sales, and flat costs.
Downloads
We pride ourselves at implementing insurance products quickly
Little to no engineering resources
Backed by an elite program manager
Products that your clients can purchase on your site with the click of a button (literally)
See other Citadel products and programs at www.citadelus.com