The gig economy offers benefits for both workers and consumers. However, compared to traditional employees, gig workers are more exposed to risks such as loss of income, out-of-pocket medical expenses, underprovision for retirement and professional liability. This report examines the nature and scale of the protection gaps facing gig workers and explores how insurers, policymakers and digital labour platforms can work to provide innovative solutions that will mitigate risk exposures and make this new way of working more secure and sustainable.
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