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Insurance Basics

Chubb shared economy insurance

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Shared/Gig economy – a developing source of flexible work that provides a variety of opportunities for contractors who are seeking to move away from structured employment while enabling people to have flexible working arrangements operating in parallel to their regular employment.

The shared economy business has grown nine-fold in the four years between 2015-2019 and is estimated to be worth over $15 billion a year in Australia in 2021. This has resulted in a 39% increase in the private transport sector over this period. The Actuaries Institute of Australia has reported that shared economy business:

  • is increasing across the consulting industry for legal, marketing, web designer, and financial services, driving the contingent/freelance workforce in Australia; and
  • suits millennials who are seeking flexibility and diverse experiences from their employment.


Across Australia, we have seen an increase in shared economy usage by existing users and new users to the shared economy industry. This was primarily driven by the impact of Covid-19, where now more than two-thirds of Australians are actively participating in the shared/gig economy market.

The shared/gig economy business in Australia is expected to continually grow. It is predicted that contingent workers (currently 25%) will represent 40% of the workforce by 2025.


Chubb overview

Chubb A&H has:

  • had a focus on shared economy insurance programs for the past four years;
  • developed an extensive knowledge, expertise, and experience in underwriting and managing shared economy insurance programs with dedicated resources locally and regionally.


Looking to grow into the white-collar shared economy industry – health care, financial industry, office sharing, & education services.

Chubb continues to stay close to ongoing market developments in the shared economy environment.

An efficient and effective approach for new partners.

The success in this area has been driven by local and global relationships that have developed a reputation locally as the premier provider of such cover in the A&H market.

Market leading claims experience – Chubb A&H claims team is trained and experienced in handling shared/gig economy claims.

With this strong foundation, Chubb is now looking to further grow its shared economy book of business into 2021 and beyond.


Chubb approach

  • Open to start-up businesses to established providers.
  • Work with the policyholder to develop a partnership.
  • Looking to grow & diversify our current portfolio.
  • Able to consider crossline benefits and enhance coverage benefits.
  • Ability to underwrite regional/global arrangements.
  • Expand into white-collar shared/gig economy industries.
  • Partner has an active risk governance procedure in place.
  • Group Policy structure for providing insurance.

Contact us:

Corporate Team:

Simon Marlow
Head of A&H Corporate, Australia
O: +61 7 3018 58 04

Matt Bouzaid
Head of A&H Underwriting A&NZ
M +64 21 619 789

Chris Blake
A&H Corporate Product Manager
O +61 439 497 456 

Rod Frichot
Distribution Manager, A&H
O: +61 3 9242 7206

Chris Thirlwall
Distribution Manager, A&H
O: +61 3 9242 5158

New South Wales:

Lema Najjar
Distribution Manager, A&H
O: +61 2 9335 3200

Joanne Gamble
Accident & Health Manager, QLD
O: +61 7 3018 5825

South Australia:
Leigh Harrison
Development Underwriter, A&H
O: +61 8 8418 3006

Western Australia:
Olivia Dale
Distribution Manager, A&H
O: +61 8 9223 0104

This content is brought to you by Chubb Insurance Australia Limited (“Chubb”) as a convenience to readers and is not intended to constitute advice (professional or otherwise) or recommendations upon which a reader may rely. Any references to insurance cover are general in nature only and may not suit your particular circumstances. Chubb does not take into account your personal objectives, financial situation or needs and any insurance cover referred to is subject to the terms, conditions and exclusions set out in the relevant policy wording. Please obtain and read carefully the relevant insurance policy before deciding to acquire any insurance product. A policy wording can be obtained at, through your broker or by contacting any of the Chubb offices. Chubb makes no warranty or guarantee about the accuracy, completeness, or adequacy of the content. Readers relying on any content do so at their own risk. It is the responsibility of the reader to evaluate the quality and accuracy of the content. Reference in this content (if any) to any specific commercial product, process, or service, and links from this content to other third party websites, do not constitute or imply an endorsement or recommendation by Chubb and shall not be used for advertising or service/product endorsement purposes. ©2020 Chubb Insurance Australia Limited ABN: 23 001 642 020 AFSL: 239687. Chubb®, its logos, and Chubb.Insured.SM are protected trademarks of Chubb.

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