Injury Protection Insurance

What is Prop 22 Injury Protection Insurance? 

As of January 5, 2021, Roadie provides Proposition 22 Injury Protection Insurance. The insurance protects you for covered injuries on Gigs in California. Roadie Injury Protection Insurance provides benefits for medical expenses, disability, loss of life, survivor payments, and dismemberment for covered injuries directly caused by an occupational accident. 

What benefits are included with Injury Protection?

For covered injuries, you and your family are protected in several important ways.

Benefit Type

Benefit Amount

Accident medical expense

To a maximum of $1,000,000 (with no deductible or copay)

Temporary total disability

66% of driver’s average weekly earnings from all network companies subject to the minimum and maximum limits 

Accidental dismemberment

To a maximum of $200,000

Death benefits

For the benefit of spouses, children, and your other dependents, injury protection provides accidental death benefits as well as burial expenses as a result of a covered accident


Injury Protection Insurance FAQs

I’ve already provided my services as an independent contractor on the Roadie platform before the Injury Protection Insurance launch date. Does Injury Protection Insurance apply to me?

Yes. Beginning January 5, 2021, all independent contractors for Roadie in the state of California are automatically covered by Injury Protection Insurance whenever an independent contractor is on an active delivery on the Roadie platform. 

This coverage does not retroactively provide coverage for injuries sustained in an accident while on an active delivery prior the aforementioned effective date.

Who do I contact if I have a question about Injury Protection Insurance? 

If you have any questions concerning Injury Protection Insurance or why we feel it is imperative to provide insurance, please reach out to Roadie by emailing

In the event that I get injured, how do I submit a claim?

If you become injured while online in California or during a trip that originated in California when on the Roadie platform, an Injury Protection Insurance claim will need to be reported immediately. You can start a claim application online here.

To report the claim, you can email

If your injuries require immediate medical attention, please go directly to the nearest hospital/urgent care center for medical treatment or call 911.

Disclaimer: All Coverages are subject to the policy terms, conditions, limitations, and exclusions. If there is a conflict between the information shown here and the actual insurance policy, the policy will govern.

The policy is underwritten by Intact Insurance. Roadie is not an insurance provider and is not performing any insurance services.

Note that as a benefit of being a Roadie driver, Roadie is providing this coverage but this benefit does not modify, change, or alter your classification as an independent contractor.


If you need additional assistance, you can contact us via chat on the website.