AI-Powered Income Protection for Delivery Workers

DEVTrails 2026 – Phase 1: Ideation & Foundation Introduction India’s gig economy is powered by delivery partners from platforms like Zomato and Swiggy. These workers depend on daily earnings, but external disruptions such as weather, pollution, and strikes directly affect their income. This project proposes an AI-powered parametric insurance platform that protects delivery workers from loss of income (not health/vehicle damage) through a weekly pricing model. Target Persona: Food Delivery Workers We focus on urban food delivery partners: Work 8–10 hours daily Paid per delivery (daily/weekly income cycle) Highly dependent on weather & external conditions No financial backup during disruptions Problem Understanding Delivery workers face: - Heavy Rain / Floods → Cannot deliver - Pollution → Health risk, reduced work - Strikes / Curfews → No access to zones Result: 20–30% income loss during disruption periods Our Solution AI-Powered Parametric Insurance System We build a system tha