Insurance Terms

When coverage is offered

For high physical-risk categories (construction, transportation...), a coverage proposal is made automatically when the contract is formed. For any other category, subscription remains voluntary.

Two plans exist: per-job (coverage ends when the contract completes or is cancelled) and continuous (reserved for providers KYC-verified for more than 30 days, renewed monthly).

Pricing

The premium is calculated using transparent rules, not an opaque algorithm: a percentage of the job amount (per-job plan) or a monthly floor premium (continuous plan), increased for high physical-risk categories and for that category’s recent claims ratio.

Cost split

The cost is shared by default between client and provider for any identified insurable category; if the category cannot be identified, it falls on the provider.

Insurer and actual coverage status

As of V1, integration with a pan-African partner insurer is built but not yet active (no insurer contract signed) — subscriptions currently go through internal quoting/management (“manual underwriting”), with claims always reviewed by a human. The real coverage list per country/insurer is published dynamically and may change without prior notice to this document — check the up-to-date status from your provider/client dashboard.

Claims

A claim is processed within 5 business days (deadline shown to the claimant), always by a human decision — never an algorithm alone. A rejection can be contested once, opening a dedicated mediation.