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Sharing Economy

Technology Risk Management & Insurance for the Sharing Economy

Sharing Economy Companies

Sharing economy companies face significant challenges when assessing their risks and their exposure to claims brought by customers, independent contractors, and potential regulatory issues. Navigating this maze can be challenging and the results are often inconclusive and expensive.

About the

The sharing economy is one of the most complex from an insurance and risk management standpoint. This is further complicated by the differing views of the risk profile of the platform company.

The founders think they have no risk as a platform allowing an independent contractor and client to do business together. The insurance carriers believe the platforms have all the risk because they’re paying claims for their insureds who are platform companies. The regulators don’t have much clarity or consistency on the liability issues to provide guidance to the platform companies.

How We Can Help

  • Reduce the risk that a cyber attack or other technology failure will negatively impact the equity value of the platform business
  • Take insurance and risk management off the plate of the Founder/CEO, who is already extremely busy
  • Find creative solutions to reduce the cost of insurance for the platform company
  • Create leverage when negotiating contracts with critical vendors and subcontractors

Popular Products/Coverage

Technology Professional Liability 

Cyber Liability

Directors & Officers

Hired & Non Owned Auto Liability (for TNC's) 

Employment Practices Liability 

General Liability

Workers' Compensation 

Key Person Life Insurance 

Fiduciary Liability


The Brush Creek Team has been great to work with.  They’ve been super helpful in designing strategies for our small but growing technology business which can both meet our current insurance and benefit needs as well as grow with us

CEO of a rapidly growing sharing economy company

Outsource your risk management.

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  • Vendor management & contract review
  • Insurance limit negotiations with clients
  • Cyber risk assessments
  • Turn your insurance coverage into a sales tool
  • Buy side and sell side due diligence
  • Cyber security policy review & creation