吉格经济工作：注意保护差距

Kai-Uwe Schanz,Deputy Managing Director and Head of Research & Foresight, The Geneva AssociationGig Economy Work:Mind the protection gaps 1Gig Economy Work: Mind the protection gaps 2www.genevaassociation.orgThe Geneva AssociationThe Geneva Association was created in 1973 and is the only global association of insurance companies; our membersare insurance and reinsurance Chief Executive Officers (CEOs). Based on rigorous research conducted in collaborationwith our members, academic institutions and multilateral organisations, our mission is to identify and investigatekey trends that are likely to shape or impact the insurance industry in the future, highlighting what is at stake forthe industry; develop recommendations for the industry and for policymakers; provide a platform to our membersand other stakeholders to discuss these trends and recommendations; and reach out to global opinion leaders andinfluential organisations to highlight the positive contributions of insurance to better understanding risks and tobuilding resilient and prosperous economies and societies, and thus a more sustainable world.Geneva Association publications:Pamela Corn, Director CommunicationsHannah Dean, Editor and Content ManagerPetr Neugebauer, Digital Media ManagerSuggested citation: The Geneva Association. 2022.Gig Economy Work: Mind the protection gaps.Author: Kai-Uwe Schanz. March.© The Geneva Association, 2022 All rights reservedwww.genevaassociation.orgPhoto credits:Cover page— leungchopan and blurAZ / Shutterstock.com ContentsForeword1.Executive summary2.Introduction3.The changing nature of work3.1Global employment at a glance3.2The determinants of current working patterns and preferences – A generational perspective3.3Gig economy platform work – The evidence so far4.Protection gaps associated with platform work4.1Another‘Great Risk Shift’?4.2A simple typology of gig work protection gaps4.3A map of gig work protection gaps5.The role of insurance in addressing protection gaps5.1Three fundamental options for protection5.2Private insurance products for gig workers – A value chain perspective on innovation6.Conclusions and recommendations6.1Governments and policymakers6.2Insurers6.3PlatformsAnnexZeroing in on social security for gig workers in five major jurisdictionsReferences 3Gig Economy Work: Mind the protection gaps5681111131417171821242428343535363739 4www.genevaassociation.orgAcknowledgementsThis publication is a product of the Socio-economic Resilience work stream of The Geneva Association,co-sponsored by Christian Mumenthaler, CEO of Swiss Re, and Markus Riess, CEO of ERGO.We would like to thank the members of the Working Group, established in support of our Socio-economicResilience research activities, namely: Manuel Aguilera (MAPFRE), Ed Barron (AIG), Matthew Blakely(RGA), Olivier Desbiey (AXA), Paul DiPaola (AIG), Naomi Graham (IAG), Arne Holzhausen (Allianz),Thomas Holzheu (Swiss Re), Kei Kato (Tokio Marine), Yunlong LIU (PICC), Mehul Mehta (Chubb), GiselaPlassmann (ERGO), Gonzalo de Cadenas Santiago (MAPFRE) and Clarence Wong (Peak Re).Our particular gratitude goes to the following experts who shared their expertise and experience throughin-depth interviews:•Tim Beardsall, Head of Propositions Innovation and Insights, AIA•Stefano Bison, Group Head of Business Development & Innovation, Generali•Matteo Carbone, Founder and Director, IoT Observatory•Andrea Carlesi, Head of Catastrophe Modelling, Generali•Vikas Chhariya, Founder and CEO, Indeez•Ana de Montvert, Head Digital Business Development EMEA, Chubb•Werner Eichhorst, Team Leader, Coordinator of Labor Market and Social Policy in Europe, Institute ofLabor Economics•Karl Gray, Head of Insurance EMEA, Uber•Daniel Kaplan, Co-founder, Plurality University Network•Chris Kaye, CEO and co-founder, Sherpa•Steven Leong, SVP, Consumer & Digital Distribution, Mitsui Sumitomo Insurance, Singapore•Stéphanie Payet, Private Pensions Analyst, OECD•Bruno Scaroni, Group Chief Transformation Officer, Generali•Cyrille Schwellnus, Deputy Head of Division, Head of the Labour Market Workstream, EconomicsDepartment, OECD•Gisele Sirot, Director of Business Intelligence – Innovation & Sharing Economy, AIG•Bill Song, CEO, ZA Tech Global•Kate Terry, co-founder and COO, Surround Insurance•Jamie Winders, Professor of Geography and Director of the Autonomous Systems Policy Institute atSyracuse University•Marty Young, co-founder and CEO, Buckle From Risk Transfer to Risk PreventionGig Economy Work: Mind the protection gapsForeword The world of work is changing. Prevalent discourse around the ‘future of work’ pointsto technology and generational values, among other factors, as driving a revolution inwhere, when and how people work, as well as what they do. An important trend has beenthe emergence of the gig economy, offering gig workers attractive opportunities but alsoexposing them to risks. This report examines how insurance can and should innovate tobetter protect gig workers.For man