Occupational Accident Insurance (OAI)
Occupational Accident Insurance (OAI) is a widely used insurance policy among Gig Firms, providing similar protections as workers’ compensation. It includes customizable benefits such as medical expenses, death/survivor benefits, and disability payments tailored specifically for independent contractors.
General Liability
General Liability (GL) Insurance offers blanket coverage for independent contractors, with various coverage limits available. It can be customized based on factors such as hourly rates, mileage, per-job terms, and more to suit the specific needs of the contractor.
Hired Non-Owned Auto
Hired Non-Owned Auto Liability (HNOA) Insurance is designed for gig firms that employ independent contractors as drivers. It provides blanket auto liability coverage, ensuring protection in scenarios where contractors use their vehicles for business purposes.