Protect Platform WorkWith Confidence
Your platform promises workers protection. We make it work.
From accident and liability coverage to parental and compassionate leave, we give you tools to help platform workers stay protected in 16+ European countries, all from one place.
Why now?
Platform Work Directive
Needs New Cover
The EU Platform Work Directive set 2 December 2026 as the deadline for Member States to write it into national law. Many are still drafting, so the rules will take effect country by country through 2027. With the new regulations comes a whole new set of liability you will have to comply with. Meaning navigating sourcing and providing mandatory lines of coverage your platform has probably never entertained before.
Cover riders and drivers on every delivery, whether they’e employed, freelance or working through a fleet partner. Comply with new protections, from personal accident to income protection, tailored specifically to wherever each local law lands.
Coverage That Adapts to Shifts
Staffing platforms
Cover workers for accidents and for damage at client sites. Give business clients proof of every worker is covered for accidents and on-site damage. Pay per shift, not per year.
Insurance as Controllable Cost
Delivery Couriers
Cover riders and drivers across employed, freelance or working through a fleet partner. See claims and risk patterns across markets in one view, including weather and peak-hour exposure, which helps you make insightful decisions.
50 000+
Tasks Handled
250 000+
Vehicles & People Insured
50+
Platform Partners
What Cachet Handles for You
Less Insurance Admin, More Time to Scale
You run a platform work business, not an insurance department. Cachet handles the work behind your adaptive insurance needs.
One Programme, Every Market
We find the best offer from our insurance partners for your platform and keep every policy in one place. Add or remove insurance in few clicks as you scale or change worker verticals.
Policy Performance in One View
Track how your cover performs, with clear metrics and historical comparisons. See what’s working, what’s changing and where to adjust.
How it works?
Smart Coverage
for Platform Workers
Flexibility, options to choose location and type of work, gets them to sign up. Protection keeps them working with you. With Cachet you can tell workers that they’re covered every time they work through your platform.
Cover is embedded in your onboarding or booking flow. Platform workers are covered when they work. Claims are filed and tracked digitally, and you can see performance and loss trends through the Claims Control Center.
Value Added For Your Platform Workers
Covered When Necessary
Whenever your user is using your platform’s service, whether it’s for private rides or for delivery services, they will be covered. And if they’re covered, you’re covered.
Stress-free Claims
With our stress-free claim filing process and claim follow-up possibilities we reduce uncertainty and provide transparency throughout the claim process.
Insights Activating Change
Owning their data means more than just being able to access — it means that users have ability to use it to understand and improve their behaviour.
with adaptive insurance?
Frequently Asked Questions
If you need more assistance, contact us. Let’s get your issue sorted.
How does Cachet integrate with our platform?
Via API, connected to your existing systems so data flows automatically. Coverage activates and deactivates based on real operational events rather than manual policy changes. Integration is handled as part of onboarding.
Can Cachet embed insurance into our product or booking flow?
Yes. Coverage activates at the point of a usage event: a shift start, a vehicle check-out, a delivery acceptance. Workers and customers are covered without a separate sign-up process. It fits inside your existing flow rather than sitting alongside it.
How do gig workers get covered through our platform?
Coverage switches on when a worker goes active and off when they go offline. No separate policy for them to arrange. This matters because personal motor insurance typically excludes commercial use. Without platform-level coverage, many workers are operating in a gap.
How does Cachet help us manage our loss ratio?
Risk Control gives you data on what's driving claims across your operation: driver behaviour, usage intensity, incident patterns. Use it to intervene before problems escalate. The aim is fewer claims, not faster processing of the ones that happen.
How does coverage adapt as our fleet or workforce changes?
Add or remove coverage through the platform as your fleet grows or changes. Billing is monthly and consolidated across all policies. For platforms with variable activity, coverage scales with actual working hours rather than a fixed annual commitment.
Does Cachet work across multiple markets?
Yes. Cachet holds a passported EU insurance distribution licence and currently serves clients across Europe. Local regulatory differences, insurer relationships, and product structuring are handled on your behalf. You see one platform.
with adaptive insurance?