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Water is precious trending idea

1: Product Name (Water Scarcity Insurance)

2: Populations that product/service would protect. If not obvious, explain population vulnerabilities.

Distinct products to serve different populations A) Individuals (disaster/emergency needs) B) Corporations and/or Farmers (drought conditions) C) Nation-states (long-term access to clean water) D) All the above populations (securing rights in a climate change scenario years... more »

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Eviction Insurance trending idea

An Eviction Insurance Policy would provide attorney services to fight eviction and if that's not possible, transition assistance for those forced to unexpectedly move. This sort of unexpected move is often forced upon low income communities as part of gentrification, and can result in whole community displacement and homelessness.

This would be triggered by a request from the landlord or master tenant for the resident... more »

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Tuition Insurance trending idea

1. Product Name (__________ Insurance)

Tuition Insurance

2. Populations that product/service would protect. If not obvious explain population vulnerabilities.

On average, just 58 percent of students who started college in the fall of 2012 had earned any degree six years later, according to the National Student Clearinghouse Research Center. Low-income, first-gen, and students at for-profit four-year schools and two-year... more »

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Emergency Childcare Insurance trending idea

1.Emergency Childcare Insurance
2. According to a recent US census there were about 15.76 million children living with a single mother in the United States, and about 3.23 million children living with a single father. Many of these single parents are dependent on childcare outside the home. When childcare becomes unexpectedly unavailable it can be detrimental to a parents ability to work. Not only does this effect single... more »

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PAPERWORK INSURANCE trending idea

Paperwork Insurance

This type of insurance would mainly protect economically vulnerable populations, who do not always have the financial means to complete the formalities that are required of them for different administrative reasons. Such populations may include low-income families, students, occasional workers, retirees, the disabled, immigrant residents, among others.

The idea of paperwork insurance would enable... more »

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liquidity/cash crisis insurance

1. Product Name
Liquidity/Cash crisis Insurance
2. Populations that product/service would protect.
lower income group, middle income group etc. And possibly everyone, as anyone can go into a situation where he has less cash money to overcome a crisis situation.
3. Impacts that the product/service would protect against.
Protects/helps people when they are suddenly in a situation where a crisis of any kind, would require... more »

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Renter's Protector Insurance

Product Name: Renter's Protector (insurance via mobile app)
Populations it would protect: Lower income populations which are least likely to be insured and most likely to rent, also the most vulnerable to property crime, fire and other crises, such as a catastrophic hospital bills. This population is also most likely to utilize the Internet exclusively via a smartphone.
Impacts this product / service will protect against:... more »

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Transportation insurance

1. Transportation insurance

2. Workers who are low on socioeconomic status.

3. Protect workers who's car is temporarily unavailable because of broken car

4. Trigger would be when car is not working and employee can't get to work

5. Policy would provide transportation to and from work via Uber for 1 week. Policy would also provide low interest loan to help repair the car.

6. Without transportation, no income is produced... more »

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Medical Advocate

1. Medical Advocate

2. Senior Citizens

3. Medical diagnosis and treatment is complicated and confusing to a lot of senior citizens. And sometimes an advocate is necessary to get things done.

4. When' a senior citizen is overwhelmed or confused about medical treatments or diagnosis.

5. Policy would provide 4 hours of a social worker to help senior citizen

6. I work in the health care industry and often see seniors... more »

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Job Reclassification Loss Insurance

1. Product Name: Job Reclassification Loss Insurance

2. Populations it would protect: Low-income workers whose employers convert them from employees to sub-contractors, or reclassify them from full-time to part-time or temporary worker status.

3. Impacts this product / service will protect against: When employers fire low-income workers, only to re-hire them as independent contractors or as temporary help, the employers... more »

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Caregivers and caregiving support

1. Product Name: Caregiver Support Insurance

2. Populations it would protect: Family caregivers at risk of underperforming or losing their jobs due to conflict with their caregiving obligations.

3. Impacts this product / service will protect against: Protect caregivers from loss of income or loss of job due to their inability to work or to satisfy the work demands of their employers.

4. Trigger event that would result... more »

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Public Event Cancellation Insurance for Individuals and Small Parties

1 Product Name: Public Event Cancellation Insurance for Individuals and Small Parties
2 Populations it would protect: All populations benefit, but but the lower income people are most vulnerable so this will help them the most.
3 Impacts this product / service will protect against: Help cover expenses if a public event — such as a concert, NFL game or concerts, festivals, plays and sporting events — unexpectedly needs... more »

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Remote Worker Disruption Insurance helps lower income groups

1 Product Name: Remote Worker Disruption Insurance
2 Populations it would protect: All remote workers, but the lower income remote works are less able to afford disruption so this will help them the most.
3 Impacts this product / service will protect against: Help cover expenses if a storm or power outage prevents the remote worker from fulfilling their employer's work requirements. If a storm hits the area, the worker... more »

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Insurance for Risks of Climate Change

Product Name: Climate Defender Policy
Populations that product/service would protect: Lower income populations are the most vulnerable to natural disasters brought on by climate change, such as hurricanes, tornados, wild fires, flooding and arctic blasts. Not only are their living and working situations most likely to be impacted by natural disasters, this population typically lacks the financial resources to quickly... more »

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Peer Insurance Exchange makes insurance available to lower income groups

One way to lower insurance costs encouraging lower income population participation is creating a Peer Insurance Exchange which is a marketplace for customers to ask and receive insurance on the outcome of discrete events. Members can buy (also known as "insured") and sell (also known as "insurer") the outcome, and they can trade in real-time throughout the event, either to cut their losses or lock in profit. The exchange... more »

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