# COLLECTIVE BENEFITS

> Portable insurance, savings, and financial benefits for gig and shift workers

## At a glance

| Field | Value |
| --- | --- |
| Category | Specialty Solutions |
| Type | Solutions Provider |
| Region | EMEA |
| Headquarters | London, UK |
| Founded | 2019 |
| Stage | Growth |
| Employees | 51-200 |
| Funding | Series A |

## Overview

Onsi (formerly Collective Benefits) is a gig worker benefits platform and insurance intermediary serving platform economy companies and independent workers across the UK, EU, and 35 countries. Founded in 2019, the company provides portable insurance, on-demand pay, and financial benefits to workers in gig and shift-based employment, a segment largely unserved by traditional group benefit schemes.

The platform delivers income protection, accident and injury insurance, public liability, and hire-and-reward coverage through an API-driven model that integrates with gig economy platforms. Benefits are usage-based and tied to actual shift data, so coverage scales with hours worked. Workers carry their benefits across multiple platform employers rather than having separate policies with each one.

As of 2024, the platform serves over 600,000 workers. The company raised a Series A in 2021 and received a strategic minority investment from Zurich Insurance Group in November 2024, with the partnership aimed at combining Zurich global expertise in employee benefits with Onsi digital distribution capabilities. The company rebranded from Collective Benefits to Onsi in September 2024.

## Products & services

### Income Protection and Accident Insurance

Coverage for self-employed and gig workers for loss of income due to sickness or injury, and work-related accidents. Designed for workers not covered by employer sick pay schemes.

**Key features:**

- Usage\-based premiums tied to actual work volume
- Portable across multiple platform employers
- Covers both sickness/injury pay and compassionate leave

*Target users:* Gig economy workers, independent contractors

### Public Liability and Hire\-and\-Reward Insurance

Business liability protection and coverage for vehicle-based delivery and transportation work.

**Key features:**

- Public liability for worker\-facing incidents
- Hire\-and\-reward for delivery and transport roles
- Flexible coverage levels tied to shift data

*Target users:* Courier and delivery platform workers

### On\-Demand Pay and Rewards

Financial services giving workers access to earned wages throughout the pay period, plus discount programs.

**Key features:**

- Instant access to earned wages before pay day
- Worker discount marketplace \(Onsi Marketplace\)
- Purchasing power maximization for lower\-income earners

*Target users:* Gig and shift workers across all platform types

## Category & focus

- Subcategories: Gig Worker Benefits, Embedded Insurance, On\-Demand Pay
- Insurance verticals: Group Benefits, Specialty/E&S, P&C Commercial
- Target customers: Employers, Consumers, Carriers

## Notable customers

- Stuart \(courier delivery platform\)

## Links

- Website: <https://onsi.com>
- Directory profile: <https://insurtechlist.com/companies/collective-benefits/>
- Blog: <https://onsi.com/blog>
- Linkedin: <https://uk.linkedin.com/company/we-are-onsi>
- Brand kit: <https://brand.onsi.com>
- Documentation: <https://docs.onsi.com>

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*Last updated: 2026\-05\-11*