Adaptive monthly insurance that scales with your gig calendar – pay only for what you use.
Gig economy freelancers are frustrated by outdated insurtech platforms lacking short-term coverage and flexible plans tailored to irregular work patterns.
FlexGigCover offers subscription plans that automatically adjust coverage based on logged gigs and work patterns. Freelancers connect calendars or log projects to predict and scale protection without manual intervention. Usage-based billing ensures you never overpay for quiet months.
Gig economy freelancers with irregular, project-based work needing adaptable insurance
Calendar-synced auto-scaling eliminates guesswork, vs. static monthly plans from competitors.
friendly
Sync Google/Apple calendar to auto-detect gigs.
AI scales plan limits based on upcoming gigs.
Stripe bills prorated for actual coverage used.
Visual timeline of coverage matching gigs.
PDF summaries of usage, savings, claims.
One-click to pause during off-seasons.
Insights on irregular schedules.
Notify on coverage gaps.
Import from Upwork/Fiverr.
Invite collaborators to shared plan.
File claims directly.
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| calendar_token | text | Yes |
| created_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| start_date | timestamp | No |
| end_date | timestamp | No |
| hours | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| stripe_id | text | No |
| coverage_limit | int | No |
| status | text | No |
| updated_at | timestamp | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| subscription_id | uuid | No |
| month | timestamp | No |
| usage_hours | int | No |
Relationships:
/api/calendar/syncSync gigs from calendar
/api/subscriptions/adjustAuto-adjust coverage
/api/subscriptionsFetch subscription details
/api/reportsList monthly reports
/api/gigs/logManual gig entry
No coverage
Up to 100 hours/month
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 80 | 3% | $89 | $1,068 |
| Month 6 | 700 | 6% | $1,512 | $18,144 |
Auto-scales coverage to your gigs – pay less when you're off.
Run a Typeform survey in freelance Facebook groups for calendar pain points, offer free Pro trial to first 10 respondents. Target Upwork freelancers via Reddit ads ($50 budget). Email 50 contacts from personal network in gig space.
Broad coverage
No flexibility for irregular income
Dynamic scaling + calendar integration
Aggregated gig data creates accurate usage predictions, improving retention.
Rise of platform freelancing (Upwork +36% YoY) demands adaptive insurtech.
Calendar API rate limits
Fallback to manual entry, cache data
Slow user adoption of sync
Onboarding video + incentives
High Stripe fees on low vol
Optimize tiers
Success: 70% willing to pay $37
Success: 15% MoM growth
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