Gigasure

Gigasure is a direct-to-consumer insur-tech brand that sells flexible, short-duration insurance policies for the gig and sharing-economy workforce. Core lines are hourly-to-monthly ride-share, delivery, scooter and task-based liability covers priced in the budget-to-mid range (US $0.50–$8 per active hour). Policies are issued only through the company’s mobile app and web portal; no brokers or retail kiosks are used. The brand’s notable edge is dynamic, usage-based coverage that switches on automatically when a driver logs into Uber, DoorDash, Lime or similar platforms, filling the gap between personal auto policies and commercial fleet insurance. Policies are underwritten in real time via API integrations with platform data, eliminating paper forms and allowing instant certificates of insurance. A standout collection is the 4-hour “micro-motor” policy that insures e-scooter chargers while they collect, charge and redeploy scooters. Target customers are 20- to 40-year-old freelance drivers, couriers, scooter chargers and taskers who treat gig work as a side hustle or primary income and want pay-as-you-go protection that does not require annual premiums. They value transparency, digital convenience and the ability to avoid coverage gaps that could void personal policies or trigger platform deductibles. Gigasure competes with traditional annual commercial auto insurers and platform-provided contingent policies by offering fractional, driver-controlled coverage that costs a few dollars per shift rather than thousands per year. Its differentiation lies in second-level data triggers, no cancellation fees and instant claims chat, positioning it as a low-friction alternative built specifically for sporadic, app-based work.