WCRI Conference Blogging Live
The WCRI Annual Conference Blogging Live 2016.
Presenter – Dr. Robert Hartwig- Insurance Information Institute

Angie’s List
On Demand Economy
Handy
TaskRabbit
Washio
Wedding Wire
My Move
AirBnB
lyft
Uber
Insurance solutions are increasingly available for the sharing economy.
Regulatory issues remain
Gig Economy – Employee vs Contractor – Uber Lyft, TaskRabbit
In 2020, 80% of adults may own smartphone
Temporary Work rate has grown heavily – peaked in 2010 at 13.6% growth rate
Technology is transforming labor
Good job was created in the Industrial Age
Two schools of thought –
Tech decentralizes employees
Haves >>>needs without the use of a corporate structure
Low skill workers are further left behind
Employee vs. Independent Contractor court decisions are going to be even more critical
Gig Economy
- 61% make
- Race
- All attributes are higher injury risks
Offerors of Gigs think that the workers are being exploited
Half of Gig offerors oppose regulations
Missed opportunity for Workers Comp insurers
Will robots and automation destroy the Gig economy
Who owns the data? Where does it flow? Who does the analytics? Who is the capital provider?
Fitbit – Wearable tech
Ingestibles and implantables
Insurance industry is not laggard in the economy – have always been on the forefront for coverage
Questions – any job that you do that is repetitive and has a database of your job duties makes you very replaceable
Surge in temporary employment affected full time employment
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