EMBEDDED PROTECTION FOR THE GIG ECONOMY
Cover Genius is the global protection infrastructure that makes offering coverage as easy as a gig worker accepting a payment. We help the world’s leading rideshare, delivery, and gig economy platforms protect their workers and scale their business.
Protection built for the way gig workers work
Modern gig economy platforms need more than standard services. Cover Genius works inside your existing workflows to solve your most pressing protection challenges.
Monetize the coverage your platform is already expected to provide, earning revenue on every policy without adding operational burden.
Make protection a competitive advantage, offering occupational accident, income protection, and vehicle coverage that gives gig workers a reason to stay on your platform.
Deploy flexible, usage-based protection that activates the moment a worker goes online, so coverage pricing is always proportional to actual work.
Launch a single integration across 60+ countries and all 50 US states, eliminating the need for multiple local underwriters as you expand into new markets.
Replace fragmented, legacy insurance processes with a lightweight, secure cloud-native infrastructure built for the scale and speed of modern gig platforms.
How Uber turned driver protection into a platform advantage
With Cover Genius, Uber drove protection attach rates by embedding it directly into their driver experience, so drivers could sign up in seconds, file claims without additional technical burden, and receive automatic payouts.
Enterprise-grade infrastructure for global scale
Transform gig economy protection from a compliance obligation into a strategic asset that strengthens worker loyalty and platform growth.
Your brand, fully embedded
Deliver protection natively inside your product, so workers can sign up, manage coverage, and file claims seamlessly without having to leave your ecosystem.
Coverage that keeps up
Design a protection program around your platform's specific worker categories, markets, and risk profile with the flexibility to evolve as your business does.
Usage-based pricing for drivers
Price protection per trip, per hour, or per mile so drivers only pay for coverage they actually use, and your cost structure scales with your business.
Resolve claims fast
Provide a fully digital claims experience backed by dynamic forms, two-day median resolution times, and automatic payouts in 90+ currencies.
Speed to launch
Skip the heavy engineering lift and regulatory complexity with pre-built integrations, global coverage, and local licensing handled end-to-end so your team can focus on growth.
Get full visibility
View sales and claims data in real-time with the Partner Portal and get complete transparency on worker coverage, claims volume, and platform performance.
How it works
Simple to start. Built to scale.
Integrate once
Connect via our flexible API or MCP-ready design. Choose your own insurer, or leverage our 50+ global carrier partners.
Go live fast
Our dedicated professional services team gets you live in weeks, with protection calibrated for your specific worker categories, markets, and platform model.
Optimize continuously
Our AI engine runs pricing experiments, personalizes offers, and surfaces new product opportunities — compounding your revenue as you scale.
FAQ
No. XCover handles end-to-end, with a median resolution time under three days, 24/7 emergency assistance, and automatic payouts in 90+ currencies.
Integration timelines vary by platform, but a lightweight API/SDK and low engineering overhead means it fits into most technical timelines without disruption.
Cover Genius offers global coverage, with support in [fill in].
Yes — XCover holds licenses globally and can navigate the specific requirements for gig worker coverage in each jurisdiction.
Ready to try Cover Genius?
Join the world’s leading gig economy platforms making protection a seamless part of every shift.