Presented by Team BlueTeeth
1. Who is our user really?
2. How does our AI actually work
3. How does it get built?
4. Gigsurance - Our Final Delivery
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One line Statement - No financial safety net for loss of working time for India's Gig Workers
One Stop Destination - GigSurance - AI Powered Dynamic & Parametric based Insurance Platform
Type of Platform - Web App
So, What type of Gig Workers are you targeting?
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1. Our Focused Persona - Metro Cities based Gig Delivery Workers
2. Total no of active Gig Workers in Metro Cities - 25 Lakhs
3. Source link : [https://www.outlookbusiness.com/news/pay-education-demographics-what-the-numbers-say-about-indias-1-crore-gig-workers]
| City | Estimated Gig Workers | Key Risk Factors |
|---|---|---|
| Bangalore | 4–6 lakh+ | Rain, traffic, high demand |
| Delhi NCR | 5–7 lakh+ | Pollution, traffic, curfews |
| Mumbai | 3–5 lakh+ | Heavy rain, congestion |
| Chennai | 3–4 lakh+ | Flooding, cyclones |
| Hyderabad | 2–3 lakh+ | Supply disruptions |
| Pune | 1.5–2.5 lakh+ | Traffic, demand spikes |
| Kolkata | 1–2 lakh+ | Weather + infra disruptions |
| S.no | Type of Model | Platforms | Working Time | Peak hours |
|---|---|---|---|---|
| 1. | Food Delivery | Zomato, Swiggy | 10-12 hrs/day | Lunch + Dinner Time |
| 2. | Quick Commerce | Zepto, Blinkit, Swiggy Instamart | 9-10 hrs/day | Continuous & Seasoned Demands |
| 3. | E-Commerce | Amazon, Flipkart | 8-10 hrs/day | Scheduled Activities |
- Extreme weather (heavy rain, cyclones, storms)
- Flooding (delivery zone shutdowns)
- Severe pollution (AQI thresholds)
- Curfews and lockdowns
- Local area strikes
- Market crashes
- Platform/server outages
- Health or life issues
- Accidents
- Vehicle repairs
- Holidays
- Driver out of service (without disruption)
- Location outside registered zone
Phase 1 - The Onboarding of GigSurance Partners - Gig Workers
Incident Occurs → User Files Claim → Documents Verified → Survey Done → Payment After Weeks
Deliverable - We designed onboarding as a high-speed, intelligence-driven flow that converts a gig worker into an insured user in under 60 seconds.
graph TD
Start([Worker Opens App]) --> Phone[Phone Number Entry]
Phone --> OTP[OTP Verification]
OTP --> Persona[Select Work Type<br/>Food/Quick/E-commerce]
Persona --> Location[Location Capture<br/>GPS + Zone Selection]
Location --> Pattern[Work Pattern Input<br/>Hours/Day, Days/Week]
Pattern --> Risk[AI Risk Calculation<br/>Location + Persona + History]
Risk --> Plans[Plan Recommendation<br/>Basic/Standard/Premium]
Plans --> Activate[One-Tap Activation]
Activate --> Dashboard[Main Dashboard]
Dashboard --> Protected([Protected!])
style Start fill:#e3f2fd
style Protected fill:#c8e6c9
style Activate fill:#fff9c4
Phase 2 - The Arrival of GigSurance Agents - Gigents
1. Gigsurance transforms insurance through parametric automation - when a qualifying event occurs, payouts trigger automatically. No claims. No paperwork. Just instant protection.
2. The Innovation: Four autonomous AI agents work 24/7 to detect disruptions, validate events, calculate fair payouts, and execute instant transfers - all without human intervention.
graph LR
A[Disaster Event] --> B[Agent 1: Monitor]
B --> C[Agent 2: Classify Zone]
C --> D[Agent 3: Calculate Payout]
D --> E[Agent 4: Instant Transfer]
E --> F[Worker Notified]
style A fill:#ff6b6b
style E fill:#51cf66
style F fill:#51cf66
Four AI agents work continuously to detect, validate, and execute payouts:
- Agent 1: Disaster Monitor - Continuously polls weather, news, disaster APIs
- Agent 2: Zone Classifier - Maps disruptions to specific delivery zones using NLP
- Agent 3: Fund Allocator - Calculates individual payouts based on income baseline
- Agent 4: Payout Executor - Instantly transfers funds via UPI
graph TB
subgraph "External Data Sources"
W[Weather API]
N[News API]
D[Disaster API]
A[AQI API]
T[Traffic API]
end
subgraph "Agent Workflow"
A1[Agent 1: Disaster Monitor<br/>Polls APIs every 5-15 min<br/>Calculates confidence score]
A2[Agent 2: Zone Classifier<br/>NLP processing<br/>Maps to delivery zones<br/>Estimates severity]
A3[Agent 3: Fund Allocator<br/>Queries active policies<br/>Calculates payouts<br/>Fraud validation]
A4[Agent 4: Payout Executor<br/>UPI transfers<br/>Notifications<br/>Audit logging]
end
subgraph "Data Layer"
DB[(PostgreSQL)]
VDB[(Pinecone Vector DB)]
end
W --> A1
N --> A1
D --> A1
A --> A1
T --> A1
A1 -->|Threshold Exceeded| A2
A2 --> A3
A3 --> A4
A2 --> VDB
A3 --> DB
A4 --> DB
style A1 fill:#4dabf7
style A2 fill:#4dabf7
style A3 fill:#4dabf7
style A4 fill:#4dabf7
Multi-layered security system:
- GPS spoofing detection through movement pattern analysis
- Behavioral verification (active hours, delivery routes, speed consistency)
- Multi-device triangulation prevention
- Trust score system (0-100) updated in real-time
Premium adjusts based on:
- Location Risk Score - Historical disruption frequency in zone
- Persona Type - Food delivery vs Quick commerce vs E-commerce
- Work Pattern - Hours per day, days per week
- Real-Time Conditions - Current weather trends, seasonal patterns
AI analyzes historical data to suggest optimal premium plans before disruptions occur, helping workers make informed decisions.
Phase 3 - The Brick by Brick Solid Architecture of GigSurance
Primary Focus: Core Platform + 60-Second Onboarding + Autonomous Payout System
What We're Building in Phase 1:
The foundation of Gigsurance - a fully functional parametric insurance platform that demonstrates the core value proposition: instant, automated protection for gig workers.
Gig Worker Onboarding in 60 Seconds
The fastest insurance activation in the market:
- Phone verification with OTP
- Persona selection (Food Delivery / Quick Commerce / E-commerce)
- Location capture (GPS + manual zone selection)
- Work pattern input (hours/day, days/week)
- AI-powered plan recommendation (Basic / Standard / Premium)
- One-tap insurance activation
Main Dashboard Features:
- Live insurance status and coverage details
- Real-time location tracking
- Trust score display
- Payment history
- Weekly renewal management
- AI chatbot for support
Event Monitoring & Management
Complete control center for disruption management:
- Real-time disruption event feed
- Zone visualization with affected workers
- Manual event triggering capabilities
- Payout approval queue
- Worker management and verification
- Analytics and reporting
Core Infrastructure:
- RESTful API for mobile and admin dashboards
- Agent orchestration system
- Risk calculation engine
- Dynamic pricing algorithm
- Fraud detection pipeline
- Payment integration (Razorpay)
| Layer | Technology |
|---|---|
| Mobile | Web App (Angular JS) |
| Admin Dashboard | Next.js 14 (TypeScript) |
| Backend | FastAPI (Python) |
| AI/ML | LangChain + OpenAI |
| Database | PostgreSQL + Pinecone (Vector DB) |
| APIs | Weather, News, Disaster, AQI, Traffic |
| Payments | Razorpay (UPI) |
| Notifications | SMS/WhatsApp API |
Event: Rainfall exceeds 120mm in Chennai
Trigger: Agent 1 detects threshold breach
Action: Agent 2 maps affected zones → Agent 3 calculates payouts → Agent 4 transfers ₹500 to each worker
Time: Complete in under 10 minutes
Event: Local strike or curfew closes delivery zones
Trigger: News API + Traffic API detect disruption
Action: Automatic payout based on estimated income loss percentage
Time: Instant after validation buffer
Event: Wind speed > 80km/h detected
Trigger: Weather API + Disaster API confirmation
Action: Proactive alert sent to workers + automatic coverage activation
Time: Pre-emptive protection before impact
| Traditional Insurance | Gigsurance |
|---|---|
| Weeks-long processing | Instant payouts |
| Manual claims filing | Fully automated |
| Document verification | GPS-based validation |
| Designed for salaried | Built for gig workers |
| Fixed pricing | Dynamic, location-based |
| Reactive coverage | Predictive alerts |
Unlike traditional insurance, payouts are triggered by objective data (rainfall mm, wind speed km/h) rather than subjective claims. This eliminates fraud, speeds up processing, and ensures fairness.
We don't just detect city-wide events - our AI maps disruptions to specific delivery zones, ensuring only affected workers receive payouts.
Each worker has an individualized 7-day cycle starting from their signup time, not a fixed Monday-Sunday schedule. This accommodates part-time workers and flexible schedules.
New users have a 6-hour cooldown before coverage activates, preventing exploitation during active disruptions.
System automatically detects if a worker has been in a different city for 24+ hours and prompts location update, ensuring accurate coverage and pricing.
- DNavigate to GigSurance Web App
- Complete 60-second onboarding
- Select your work type and location
- Choose your insurance plan
- Start earning with protection
- Access the admin dashboard
- Monitor real-time events
- Review payout approvals
- Manage workers and policies
- Analyze system performance
For inquiries or support:
- Email: madhanat94@gmail.com
- Website: [https://gigsurance.com]
- Documentation: [https://docs.google.com/document/d/1wZYr2hCGmYcWqeDmG8LoTaJHI3KMuQWk9TBf-XkuSuc/edit?usp=sharing]
[MIT] - [2026] Gigsurance
Submitted at GuideWire DevTrails Univeristy Hackathons by Team BlueTeeth
❤️ Built for India's Gig Workers - GigSurance
❤️ Taking a Moment to Show gratitude to Guidewire for organising these type of hackathons