Group liability pools for indie hackers – lower premiums through shared coverage
Indie hackers building remote teams can't secure tailored liability insurance for distributed contractors due to rejections from traditional providers.
TeamShield creates shared insurance pools where indie hackers join forces for collective bargaining power, slashing premiums by 40% for remote contractor liability. Pool members get instant eligibility checks and pooled policies. Scale your team without solo insurance headaches.
Indie hackers and solo founders building remote teams with distributed contractors
Community-driven pools exclusive to vetted indie hackers, enabling sub-$20/mo per contractor rates vs $50+ individual.
supportive
Assess team fit for joining pools
Apply and get matched to active pools
Monitor shared coverage, members, premiums
Add contractors to your pool coverage
Auto-split pool premiums across members
Vote on new members for pool health
Notify on pool risks or expiries
Claims history and savings tracker
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| text | No | |
| team_name | text | Yes |
| created_at | timestamp | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| name | text | No |
| max_members | int | No |
| current_premium | int | No |
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| user_id | uuid | No |
| pool_id | uuid | No |
| contractor_count | int | No |
Relationships:
| Column | Type | Nullable |
|---|---|---|
| id | uuid | No |
| membership_id | uuid | No |
| name | text | No |
Relationships:
/api/poolsList available pools
/api/membershipsJoin pool
/api/contractorsAdd contractor
/api/billingHandle pool payment
No joining
Basic support
None
None
| Month | Users | Conversion | MRR | ARR |
|---|---|---|---|---|
| Month 1 | 120 | 3% | $111 | $1,332 |
| Month 6 | 700 | 6% | $926 | $11,112 |
Join shared liability coverage for remote teams – 40% cheaper, instant access.
Share pool concept on Indie Hackers with invite-only beta, target Twitter indie hackers complaining about insurance, offer first month free to 3 referrals from personal network.
P2P model
Not indie-focused, slow matching
Indie-only pools with instant joins
Network effects from growing pool members lowering premiums over time.
Rising contractor costs and indie hacker communities seeking collective solutions.
Pool regulation
Partner with licensed aggregator
Low initial members
Seed with network
Claims handling
Reinsure via partners
Success: 100 upvotes
Success: 10 members
Success: 20% growth
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