AI-Powered Parametric Insurance

Income Protection for India's Gig Workers

Automatically protect delivery partners from weather-driven income loss. AI monitors conditions, triggers fire instantly, payouts land in under 2 minutes — zero paperwork.

Built for seamless operations

Live trigger monitoring across 5 cities
Automated payouts in under 2 minutes

15,000+

Workers Protected

98%

Auto-Processed

< 2 min

Average Payout

99.2%

Fraud Detection

SupabaseXGBoostOpenWeatherMapLeafletSHAPIsolation ForestFastAPI
Live Preview

Weather triggers. Instant payouts.

See how GigCover processes real-time weather data and automatically compensates affected workers — no claims needed.

WEATHER EVENT·Mumbai, Andheri West
WEATHER DATA

{

"source": "OpenWeatherMap",

"city": "Mumbai",

"zone": "Andheri West",

"rainfall_mm": 38.5,

"temp_c": 29.2,

"aqi": 156,

"wind_kmh": 22.4,

"timestamp": "2026-03-05T14:30Z"

}

GIGCOVER RESPONSE
Trigger Fired: Heavy Rain

Rainfall 38.5mm/hr exceeds threshold of 30mm/hr in Andheri West.

Workers affected247
Payout per worker₹400
Total disbursed₹98,800
Fraud score0.03 (clean)
All payouts processed in 1m 42s
Features

Everything you need for parametric insurance

A complete platform for risk assessment, automated triggers, fraud detection, and instant payouts.

AI Risk Pricing

XGBoost dynamically prices premiums per zone, platform, and season based on historical weather patterns.

Parametric Auto-Triggers

When rainfall > 30mm/hr or AQI > 300, payouts fire automatically. No claims, no waiting.

SHAP Fraud Detection

Isolation Forest anomaly detection with SHAP explainability. Full transparency on every decision.

Live Risk Map

Interactive Leaflet map with real-time zone risk scores across 5 Indian cities.

Instant UPI Payouts

Workers receive payouts in under 2 minutes via UPI. Avg processing: 1m 42s.

Zone Analytics

Deep analytics on triggers, payouts, loss ratios, and retention by city and zone.

Process

How GigCover works

From registration to payout in four simple steps.

01

Register Workers

Onboard delivery partners with city, zone, and platform. KYC in 2 minutes.

02

AI Prices Coverage

XGBoost calculates risk-adjusted premiums using zone weather history.

03

Real-Time Monitoring

Weather APIs feed live rainfall, temperature, AQI, wind data 24/7.

04

Auto Payout

Thresholds breach → payouts fire instantly to UPI. Zero intervention.

Parametric Triggers

Objective data. Automatic payouts.

No loss assessment, no manual claims. Sensor data crosses thresholds, payouts fire instantly.

TriggerThresholdPayoutStatus
🌧️Heavy Rain
> 30mm/hr50% daily earnings
Active
🌊Flooding
> 100mm/24hr100% daily earnings
Active
🌡️Extreme Heat
> 45°C25% daily earnings
Active
💨Hazardous AQI
> 300 AQI30% daily earnings
Active
🌪️Severe Storm
> 60km/h40% daily earnings
Active
🚫Curfew / Bandh
Govt order100% daily earnings
Active
Pricing

Start free. Upgrade when you're ready.

Simple per-worker weekly pricing. No hidden fees.

Basic Shield

Essential coverage for occasional disruptions

₹15/week per worker
  • Rain & storm coverage
  • Basic AQI alerts
  • Manual claim submission
  • 48-hour payout
Most Popular

Standard Shield

Comprehensive coverage with auto-triggers

₹25/week per worker
  • All weather events covered
  • AQI & heatwave protection
  • Auto-triggered claims
  • Instant payout
  • Real-time alerts

Pro Shield

Maximum protection with priority support

₹40/week per worker
  • All Standard features
  • Curfew & bandh coverage
  • Traffic disruption payout
  • Priority fraud clearance
  • Earnings analytics
  • Dedicated support

Ready to protect your workers?

Join 15,000+ gig workers already covered. Set up parametric insurance in under 5 minutes.