Hiring App-Based Workers in Reno? Why Your Commercial Insurance Might Not Cover Them

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Yes, it’s true. The gig economy has changed how small businesses operate, but it’s also changed how commercial insurance protects you. If you’re hiring independent delivery drivers, cleaners, or any other app-based workers in Reno, it’s important to understand that many policies don’t cover them the way you’d expect. At Everett Insurance, serving Goochland, VA, and beyond, we help you understand where those coverage traps exist and how to close them.

Why Gig Workers Fall Outside Traditional Policies

Your standard commercial policy typically covers full-time employees and company-owned property. But app-based or 1099 contractors are independent, and that means your liability or workers’ compensation policies won’t automatically cover them. If a gig worker causes an accident or damages a client’s property, you are likely on the hook for the damages.

This issue is becoming increasingly relevant for modern small businesses as they begin using delivery apps, freelance platforms, or short-term contractors to remain flexible.

Protecting Your Business From the Unexpected

Of course, not all is lost. To reduce your exposure, take these simple steps:

  • Review your current commercial insurance to understand what it does and doesn’t cover. 
  • Require proof of insurance from all app-based or freelance workers.
  • Add specialized endorsements or riders to your policy to extend liability protection to your contractors.

We understand that this can become complicated quickly. Working with Everett Insurance ensures you get straightforward and honest guidance, tailored specifically to your operational needs instead of boilerplate promises.

Stay Covered in a Changing Work World

The gig economy isn’t going anywhere, and that means you need to protect your business proactively. Everett Insurance will help you update your commercial insurance to make sure your business and reputation are protected, no matter who’s on your team.

Contact us to review your current policies and make sure your workers and your business are properly protected.