Building Zero-Touch Parametric Insurance for Gig Workers - What Phase 2 Taught Us About AI, Fraud, and UX

India has over 12 million gig delivery workers. When it rains too hard, they stop earning. No insurance covers this. We are building one. This is what we learned building RiskShield-Gig in Phase 2 of Guidewire DEVTrails 2026. What Is RiskShield-Gig? A parametric insurance platform that pays gig delivery workers automatically when external disruptions hit their zone - rain, floods, curfews. No claim form. No waiting. The payout arrives before the worker even knows a claim was processed. Workers pay a weekly premium (₹20-₹40 based on zone risk). When a trigger fires, money hits their UPI wallet in minutes. Mekala-Sanjith3 / RiskShield-Gig AI-powered parametric insurance platform for gig delivery workers. Automatically detects disruptions (rain, floods, curfews) and pays out income loss to Swiggy/Zomato partners instantly - no claims, no forms, no waiting. RiskShield-Gig 🛡️ AI-Powered Parametric Insurance for Gig Delivery Workers Guidewire DEVTrails 2026 | Team: Prime AutoBots 📌 The Probl