Protecting Income. Not Just Lives.
An AI-driven, fully automated parametric insurance platform that protects gig workers against income loss caused by heavy rain, floods, extreme heat, air pollution, traffic shutdowns, government restrictions, and platform outages.
Built for Guidewire DEVTrails 2026
Millions of India's gig workers lose income every year because of events beyond their control — heavy rain, floods, extreme heat, air pollution, curfews, platform outages. Current insurance products protect vehicles, health, or life. They do not protect lost earnings.
GigShield changes that. Workers receive compensation automatically whenever verified external disruptions prevent them from earning. No paperwork. No claim forms. No waiting.
India has ~12 million platform-based gig delivery workers. They earn per order — miss a shift, earn nothing. A single rainy day can wipe out 20–30% of weekly income. No insurance product covers this gap.
| Traditional Insurance | GigShield |
|---|---|
| File a claim manually | Zero-touch — auto-triggered |
| Submit proof of loss | Objective data = proof |
| Wait 3–15 days for settlement | Payout in under 15 minutes |
| Requires employment proof | No employment proof needed |
| Annual, one-size-fits-all | Weekly, AI-personalized premium |
GigShield combines AI, parametric insurance, real-time weather intelligence, fraud detection, blockchain transparency, and instant UPI payouts into one autonomous income protection platform.
How it works:
External Event (Rain / AQI / Curfew / Outage)
↓
Trigger Engine detects + dual-source verifies
↓
Policy match → Fraud screening (14 signals)
↓
Payout calculated → UPI transfer initiated
↓
Blockchain logged → Rider notified
(under 15 minutes, zero manual steps)
| Feature | Description |
|---|---|
| AI Risk Assessment | Personalized weekly premiums per rider, zone, platform, season |
| Automatic Trigger Detection | Real-time monitoring — Rain, AQI, Heat, Curfew, Outage |
| Zero-Touch Claims | No manual submission — auto-detected and auto-paid |
| AI Fraud Detection | 14 signals: GPS, physics, device, behavior, network collusion |
| Income Bridge | Advance payout on high-confidence triggers before full verification |
| Micro-Shift Insurance | Hourly coverage for individual work sessions |
| Blockchain Transparency | Immutable on-chain record of every trigger, claim, and payout |
| Loyalty Pool | Community mutual pool — 10% of unclaimed premiums redistributed |
| Analytics Dashboards | Rider, Admin, Executive, Fraud dashboards with real-time data |
| Service | URL |
|---|---|
| Frontend | https://gigshield-frontend-4ad7.onrender.com |
| Backend API | https://gigshield-backend-4wmh.onrender.com/health |
| ML Service | https://gigshield-ml-swb3.onrender.com/health |
Free tier — first load may take 30–60 seconds (cold start)
Demo login: Phone 9821000001 → OTP from backend logs → Ravi Kumar's dashboard
Admin login: Phone 9800000001
| Phone | Rider | Scenario |
|---|---|---|
9821000001 |
Ravi Kumar | Happy path — GREEN claim, paid, blockchain-logged |
9821000002 |
Priya Sharma | Income Bridge advance → reconciled after selfie |
9821000003 |
Amit Singh | RED fraud — mock location detected — appeal pending |
9821000004 |
Sunita Devi | Gold loyalty tier, 11-week streak |
9821000005 |
Mohammed Farhan | KYC in progress, referred by Sunita |
9821000006 |
Deepak Yadav | Active Micro-Shift policy |
9821000009 |
Lakshmi Nair | Income Bridge → clawback (verification timeout) |
9821000010 |
Rajesh Patel | Fresh empty-state account |
9800000001 |
Admin | Full admin + fraud + executive dashboard |
OTP appears in backend terminal: [DEV] OTP for ***0001: 482913
| Layer | Technologies |
|---|---|
| Frontend | React 18, Vite, Redux Toolkit, TailwindCSS, Socket.IO, Framer Motion |
| Backend | Node.js, Express, MongoDB Atlas, Redis (Upstash), Bull queues, Socket.IO |
| ML Service | Python, FastAPI, scikit-learn, XGBoost, LightGBM |
| Blockchain | Solidity, Hardhat, Ethereum Sepolia, Ethers.js |
| Infrastructure | Render (PaaS), MongoDB Atlas, Upstash Redis, GitHub Actions |
┌─────────────────────────────────────────────────┐
│ GIGSHIELD PLATFORM │
├───────────────┬────────────────┬─────────────────┤
│ FRONTEND │ BACKEND │ ML SERVICE │
│ React + Vite │ Node + Express │ Python FastAPI │
│ Redux + WS │ Bull + Cron │ XGBoost + IF │
└───────┬───────┴───────┬────────┴────────┬────────┘
│ │ │
▼ ▼ ▼
Render CDN MongoDB Atlas Render Docker
Upstash Redis
Blockchain (Sepolia)
gigshield/
├── backend/ Node.js + Express API, workers, cron jobs
├── frontend/ React + Vite SPA
├── ml-service/ Python FastAPI — ML risk & fraud models
├── blockchain/ Solidity smart contracts (Hardhat)
├── nginx/ Reverse proxy config
├── Docs/ Full project documentation (30+ files)
├── SETUP.md → Local development guide
├── DEPLOYMENT.md → Production deploy guide (Render)
└── .env.example → Environment configuration template
See SETUP.md — complete guide with account creation, API keys, and troubleshooting.
# 1. Clone + install
git clone https://github.com/Ambivert01/AI-Parametric-Insurance-for-India-s-Gig-Workers.git
cd AI-Parametric-Insurance-for-India-s-Gig-Workers
cd backend && npm install && cd ../frontend && npm install && cd ..
# 2. Setup environment
cp .env.example .env
ln -s ../.env backend/.env
# Edit .env — fill MONGO_URI, JWT secrets, ENCRYPTION_KEY
# 3. Seed demo data
cd backend && npm run seed
# 4. Start services (3 terminals)
cd backend && npm run dev # API → :5000
cd frontend && npm run dev # UI → :3000
cd ml-service && source venv/bin/activate && uvicorn main:app --reload --port 8000See DEPLOYMENT.md — Render deployment guide with MongoDB Atlas, Upstash Redis, all 3 services.
- JWT authentication with refresh tokens
- Phone + OTP login (no passwords)
- Role-based access control (Rider / Admin / Insurer)
- AES-256 encryption for bank/UPI details
- Rate limiting (per endpoint + edge)
- Fraud scoring on every claim (14 signals)
- Audit logging on all mutations
- Blockchain immutability for payouts
- Mobile apps (iOS + Android)
- IoT sensor network integration
- WhatsApp AI assistant
- Satellite weather data
- Embedded insurance APIs for platforms
- DAO governance for loyalty pool
- International expansion
Full technical and business documentation in Docs/:
| File | Contents |
|---|---|
| PROJECT_DOCUMENTATION.md | Complete business + technical master doc |
| 01_SYSTEM_ARCHITECTURE.md | System architecture |
| 06_AI_ML_SYSTEM.md | ML models and risk engine |
| 07_TRIGGER_ENGINE.md | Trigger detection system |
| 08_FRAUD_ENGINE.md | Fraud detection system |
| 30_MASTER_INDEX.md | Full docs index |
- Clean Architecture + SOLID Principles
- Event-Driven Communication (Bull queues + Socket.IO)
- AI-Assisted Decisions (ML scoring on every claim)
- Zero-Trust Security (fail-closed everywhere)
- Documentation-First Development
GigShield — Protecting Every Delivery. Protecting Every Income.
Built with ❤️ for India's 12 million gig workers
Guidewire DEVTrails 2026