DeliverGuard AI – Building Trust in Micro-Insurance for Gig Workers

DeliverGuard AI is a parametric micro-insurance platform designed for delivery partners of Zomato. It protects workers from income loss caused by external disruptions such as rain, traffic, extreme heat, and environmental conditions. The system uses AI monitoring, OCR verification, and fraud detection to ensure fair and automated payouts. Problem Statement Delivery workers depend on daily or weekly earnings, but external factors such as: Heavy rain Flood Traffic congestion Extreme heat Environmental disturbances Curfew / strike can reduce or completely stop their ability to work. Currently, there is no reliable system to compensate short-term income loss. Deliverable Expectations and it's Solutions Expectations Solutions Onboarding OCR-based income extraction with simple user profiling Risk Profiling AI-powered analysis using weather, AQI, traffic, and behavioral data Policy Creation Weekly income-based pricing with dynamic risk evaluation Claim Triggering Automated detection of disrup