Sharing Economy Insurance Programs with Christensen Group

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Business insurance

Sharing Economy Programs

First mile, or last. We have you covered.

Ride sharing, app-based vehicle rentals, private fleets, and micromobility vehicles like e-scooters, e-bicycles, e-skateboards, and hoverboards have become an efficient way of navigating urban life while reducing carbon footprint. But the insurance industry is new to understanding and underwriting these risks.

Christensen Group’s sharing economy team uses risk-predicting technology coupled with extensive industry experience to effectively help you manage your risk. As advisors to some of the earliest innovators in this sector, we understand the challenges you face and will ensure your program fits your needs.

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Our experience in numbers

vehicles covered

We insure over 500,000 cars, bikes, scooters, vans, golf vehicles, motorcycles, and other transportation products.

Years of Experience

Our sharing economy team has a cumulative 25 years in the products liability space, with a cumulative 15 years in the sharing economy and micromobility space.


Our sharing economy team works in all 50 states and on most continents with our international partners.

How to stay protected when...

As experienced agents in the Sharing Economy sector, we understand the unique exposures you face. We think about the unexpected, so you don't have to.

Product Liability

When your micromobility operation receives a summons and complaint from a plaintiff contending they suffered injury as a result of falling off a defective scooter.
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When, at the direction of a municipality or customer, your ridesharing platform is required to buy a significant excess tower in an insurance marketplace that lacks capacity.
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When your app-based EV rental car operation gets hacked, and your customer base is exposed.
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When your ride-share driver is involved in an accident while transporting passengers from the airport to their home.
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When your bikeshare program worker is out on the job rebalancing your fleet and strains her back.
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When your start-up MaaS company finalizes it’s C round of fundraising and the C-Suite makes a decision that negatively impacts the valuation of the company.
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Listen to Brandon Schuh on Axe of Pod.

Hosted by Christensen Group's Brandon Schuh, Axe of Pod is a podcast that explores trends in litigation, insurance, and newsworthy lawsuits and verdicts.

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Coverage Types

We leverage our extensive carrier relationships to ensure you're protected from the exposures you face in the sharing economy industry.

  • Abuse or Molestation
  • Automobile
  • Bonding/Surety
  • Builders Risk
  • Captives
  • Crime
  • Cyber Liability
  • Directors & Officers Liability
  • Employment Practices Liability
  • Fiduciary Liability
  • Foreign Coverage
  • General Liability
  • Inland Marine
  • Kidnap & Ransom
  • Large Deductible Programs
  • Patent Insurance/Intellectual Property
  • Product Liability and Recall
  • Professional Liability/E&O
  • Property
  • Risk Purchasing Groups
  • Self-Insured Programs
  • Travel
  • Umbrella/Excess Liability
  • Volunteer Accident
  • Workers Compensation

How to
get started.

We know that working with a new insurance agent can be overwhelming, so that's why we put so much emphasis on making sure you're getting value from the very first phone call.



We’re sure you have a bunch of questions and hopefully we’re a good fit, but sometimes things don’t align - and that’s okay. A quick call is usually all we need to help both of us gain clarity around the prospects of working together. Take this first step.


Deep dive

Every business is unique — including yours — and there’s no “easy button” for giving proper guidance. We’ll take a deep dive into your business, your financials, and your exposures — at no cost to you — to provide the expert advice your business deserves.


Custom plan

Similar to prepping your house before selling, we create a custom plan to prep your business for securing the best insurance rates. We’ll work together to identify short, medium, and long-term action items that will help lock in the best rates now and for years to come.


Price & bind

Our thorough understanding of your business, combined with your custom plan, enable us to find the best policy and carrier fit for your business — at the best rates. We go to market - and go to bat - for you.

Speak with a sharing economy expert.

Talk with us today