Rider Shield
₦500/week
Covers up to ₦80,000
- Hospital and medicine bills up to ₦80,000
- ₦1,500 for each day you cannot ride
- Covers accidents on the road while working
Micro-insurance for Nigeria
0 million gig workers.
0.5% insurance coverage.
Insurenowtech changes that. Health, income, and device cover for gig workers in Nigeria. Get covered in under 60 seconds, via USSD or WhatsApp.
Starts from ₦200/week. No salary slip required.
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Policyholders
0
Claims processed
0%
Auto-approved
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Platform partners
How it works
Four steps. Under sixty seconds.
Tell us your income
Just your daily earnings. Nothing else. No salary slip, no bank statement.
Pick your cover
Health, income, device, or market stock. Four products, plainly described.
Pay by USSD or transfer
From ₦200 a week. Pay the way you already pay for everything else.
You are covered immediately
Your certificate arrives on WhatsApp. Cover starts the moment you pay.
The cover
Four products. Each one explains itself.
Daily Income
₦300/week
Covers up to ₦28,000
- ₦2,000 for each day you cannot work
- Pays for up to 14 days
- Covers sickness and injury
Device Cover
₦400/week
Covers up to ₦60,000
- Phone replacement up to ₦60,000
- Covers theft, screen damage and water damage
- One replacement per year
Market Cover
₦200/week
Covers up to ₦50,000
- Stock loss up to ₦50,000
- Covers fire and flood damage
- Payout within 48 hours of approval
The channel that matters
Most of our policyholders never open a website.
They enrol on a feature phone, on a street corner, in under a minute. Tap through a real session.
*347*100#
Welcome to Insurenowtech 1. Get Covered 2. File a Claim 3. My Policy 0. Exit
> 1
Step 1 of 6 — no smartphone, no data, no app.
Real people, real payouts
Four products. Four Nigerians who got paid.
“A car hit my bike on Ikorodu Road. Insurenowtech paid the hospital before I even left the ward.”
Okada rider, Lagos
“I fell sick for 10 days. I filed a claim from WhatsApp at 8am. By 10am ₦21,000 had arrived in my account. I did not even have to call anyone.”
Delivery rider, Lagos — beta policyholder
“Rain flooded my stall and ruined my rice. Insurenowtech paid me back in two days. No long story.”
Market trader, Lagos
“My phone is how I get jobs. When the screen cracked, Insurenowtech replaced it inside a week.”
Site technician, Lagos
Okada rider, Lagos: “A car hit my bike on Ikorodu Road. Insurenowtech paid the hospital before I even left the ward.”
Proof it works
Not a promise on a poster. A payout in your account.
Example claim
PaidDevice Cover
Screen and water damage
Paid to policyholder₦42,000
Decided in 1h 47min
NAICOM Microinsurance Sandbox
We operate under a live regulatory sandbox, not an unlicensed app.
1h 47min average payout
Most small claims are decided by AI triage before a person ever sees them.
340 claims processed
Real naira, paid to real phones, since our pilot began in 2024.
Live with platform partners
Lagos delivery aggregator
800 riders onboarded, Oct 2024
Second platform partner
Onboarding, Q3 2025
Who built this
Built by people from inside the insurance industry who got tired of what it was ignoring.
Okonkwo Bright
CEO and Co-founder
Second-time founder. Former actuary at Allianz and AXA Mansard. FIA.
Taiwo Oluwaseun
CTO and Co-founder
Four years building payment infrastructure at Paga.
Biodun Ojo
CPO and Co-founder
Led the consumer product team at Cowrywise.
“Traditional insurers know gig workers exist. They have chosen not to serve them because the ticket size is small. We built a business where the ticket size is small and the volume is 35 million people.”
The platform
Insurance as software, not paperwork.
Insurenowtech quotes, enrols, underwrites and settles claims through software, over USSD, WhatsApp or API.
AI at the core
An underwriting agent prices cover and a claims triage agent reviews each claim, both running on Amazon Bedrock. Claim documents are read with Amazon Textract, and every decision keeps its reasoning for human review.
Built to scale
Serverless Next.js on Vercel with Neon Postgres, Redis, and QStash background jobs. Quotes, enrolment and claims are separate API endpoints, so volume spikes do not queue behind each other.
Open by API
Gig platforms embed cover with a few API calls: quote, enrol and claim. Policy certificates are generated as PDFs automatically.
For platforms
Already operating a gig platform? Embed Insurenowtech in 3 API calls.
Offer insurance at onboarding. Your workers are covered. You spend nothing.