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Sharing Economy and Mobility Programmes

For companies that facilitate peer-to-peer transactions, Marsh can help clarify liability and mitigate emerging areas of risk.


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Insurance solutions that are optimised and tailored to your specific business needs.


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The growth of the sharing economy is introducing new variables when it comes to determining liability, creating risks for both the companies facilitating peer-to-peer exchanges and the participants in the transaction, including freelancers and independent contractors. 

How Marsh's Affinity team can help

Marsh's Affinity experts help companies design, develop, implement, and monetise white-label insurance solutions and address pertinent issues of liability for companies in the sharing economy and mobility sectors.

Our Affinity insurance solutions are tailored to a spectrum of business models — including e-commerce, ride sharing, food delivery, and last-mile logistics — based on each company’s needs, strategy, and risk profile. Our products and services represent a more proactive approach to risk mitigation that can potentially offset severe legal and financial liabilities resulting from bodily injury, property damage, or other losses.

Our Affinity insurance programmes have the advantage that they can be powered by our digital platform, which can be integrated and embedded into your company’s existing digital ecosystem to provide end-users with a streamlined customer journey. The digital platform provides companies with claims management and data analytics capabilities that aid business intelligence as well as customer life cycle management for sales and aftersales channels.

Why Marsh

Marsh, the world’s largest insurance broker and risk advisor, is dedicated to helping clients globally manage risk effectively. Leveraging strong historical relationships with global carriers and robust technology and data capabilities, Marsh’s long-standing expertise in designing, developing, and implementing innovative and efficient risk solutions across diverse industries and geographies delivers sustainable benefits for clients and empowers them to take advantage of opportunities that foster resilient business growth and expansion.

Our work


The sharing economy is changing the traditional relationship between parties in a transaction. Individuals are engaging with technology to participate in a sharing transaction — either as a provider of a service or the user of a service. However, the traditional two-party transaction is now expanding to multiple parties. In addition to the provider and the user, the tech platform is now a part of the transaction. Depending on the service provided, a restaurant, autonomous vehicle, apartment building, or other parties may also be involved. In the event of an injury, determining liability and identifying the right coverage can be very complex.

With experienced and qualified professionals, we take the time necessary to understand your business and your specific risks. We then create a tailor-made solution that will meet your needs, and will support you at all stages of your insurance project (design, placement, implementation, management, steering) for your unique sharing economy offering.

With offices in more than 130 countries, we are able to support the international ambitions of your company. We have a team dedicated to the sharing economy and mobility in each region of the world to ensure a global and shared approach, while respecting the regulatory and cultural constraints of each country.

The establishment of an affinity offer for your customers results from knowledge of your market and our ability to provide you with design, investment, and management solutions.

The distribution of insurance products is a regulated activity, in particular by the Insurance Distribution Directive (IDD) and similar regulations worldwide. At Marsh, we  understand the various frameworks that can be put in place to ensure that the insurance offer is in compliance with local rules.

The innovations that sharing economy companies bring to a particular industry are also very disruptive. As traditional players in an industry are threatened by these new business models, they may turn to regulators to help protect their market share, especially already highly-regulated industries such as transportation and housing. Sharing economy companies also tend to rely on contractors to complete transactions. However, there have been court challenges around the world to classify these workers as employees, not contractors. Changing the classification of sharing economy workers could dramatically shift business models and risk profiles.

While technology enables and powers the sharing economy, the failure of technology to perform due to a cyberattack or technology failure is also one of its biggest risks. Sharing economy platforms frequently store personal information and payment information, making them valuable targets for cybercriminals looking for data. The rise of ransomware attacks across all industries should be of great concern to sharing economy companies. An attack that disables your platform would effectively cut off all revenue streams.

Examples of affinity insurance programmes include but are not limited to the following

  • Insurance programme covering users of a:
    - Ride-hailing service
    - Home-sharing service
    - ­Food delivery service
    - Last-mile logistics service
  • ­ Provider of last-mile logistics service
  • Group insurance programmes
  • Third-party liability programmes