Chowdeck unveils accident insurance for 20,000 riders in partnership with MyCoverGenius

Chowdeck has partnered with MyCoverGenius to provide personal accident insurance for more than 20,000 delivery riders across Nigeria, marking one of the largest rider protection programmes introduced by a local delivery platform.

Effective since November 2024, the insurance automatically covers all active Chowdeck riders, providing support for accident-related medical bills, temporary disability compensation, and other protections against work-related financial risks.

Both companies state that the plan is integrated into Chowdeck’s system, automatically covering riders upon activation and providing a safety net for their delivery services.

Chowdeck secures position in growing delivery market

The move comes as Nigeria’s on-demand delivery sector continues to expand rapidly, creating income opportunities for thousands of riders. But the growth has also exposed riders to daily risks, especially in cities where traffic congestion and road safety remain major concerns.

For many gig workers, an accident can quickly stop their earnings. Chowdeck is trying to fix this problem by including insurance in its platform. This addresses a long-standing issue in the gig economy, where riders often work without proper protection.

Umar Nasir, Head of Operations at Chowdeck, stated that this decision shows how important riders are to the company. He explained that the company wants to make sure riders feel safe while working, without having to worry about money problems if they have an accident.

“Riders are a critical part of everything we do at Chowdeck. We want every Chowdeck rider to feel secure knowing that their well-being is just as important as the meals and packages they deliver every day.” He said.

The partnership also reflects Chowdeck’s rapid rise since launching in October 2021. The company has grown into one of Nigeria’s most widely used delivery platforms, serving millions of users and supporting thousands of businesses, while relying heavily on its rider network to keep operations running.

Also read: Chowdeck has now surpassed 2 million users, a year after it reached 1 million users

This deal also helps MyCoverGenius integrate insurance into online platforms more effectively. CEO Adebowale Banjo believes this partnership demonstrates how insurance can be incorporated into everyday services, providing coverage to workers who may not have access.

This development might change how other delivery and ride-hailing companies treat their workers. As these companies compete more and face greater public attention, they may feel pressured to provide better benefits to attract and retain riders.

For delivery riders, this change brings more stability to a job that’s usually unpredictable. Delivery work stays flexible, but the new accident insurance adds a safety net that Nigeria’s gig economy often lacks.

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