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Crowdsourced Rider Insurance Coverage

With the door ajar, the resident stretched out a hand to get the takeaway.

Before he had time to see what the resident looked like, the deliveryman Li Bing (pseudonym) blurted out the words "I wish you a happy meal" that he had said hundreds of times.

He quickly went downstairs and got on the electric car parked downstairs in the community.

Ele.me said that the protection against accidental death of foreign sellers is not enough and more needs to be done.

From now on, the company will continue to add special pensions for similar situations to the "Blue Rider Care Fund" so that all Blue Rider (Ele.me Takeaway) families can enjoy the dual protection of insurance and care fund.

Secondly, Ele.me has also said that the current insurance structure of crowdsourcing riders is not reasonable, and the insurance amount is still insufficient.

Ele.me promotes improved protection and structural optimization, increasing the insured amount to 600,000 yuan.

Before the new insurance regulations are implemented, the platform will provide pensions.

The 600,000 yuan pension in this incident will be delivered to the family members of the delivery driver within this week.

With the rise of the Internet era, crowdsourcing platforms emerged.

On the one hand, there is flexible employment, on the other hand, there is no "five insurances and one housing fund".

The development of crowdsourcing platforms has been discussed to this day.

In the new era, flexible employment has impacted the original labor relations.

What responsibilities should employment platforms bear?

How do crowdsourced riders protect their rights?

How to regulate the development of flexible employment?

Helmet printing team, are you hungry for your coat printing?

They are "flexible and free employment" crowdsourcing riders. At 12 noon on January 8, Li Bing, wearing a helmet with a Meituan logo and Ele.me blue clothes, knocked on the door of a resident in Daxing, Beijing.

"Your meal has arrived."

"If you crowdsource, no one will take care of it. You can go to work at any time." This is the 10th order delivered by Li Bing today.

Recently, the weather in Beijing has been cold, and Li Bing didn't get up until nine in the morning.

"We can go to and from get off work at any time, and there is no penalty for punching in, but there will be penalties for working overtime and paying in advance."

At 0:35 on January 9, the temperature in Beijing was already minus 9 degrees Celsius.

Yang Xue (pseudonym), a 32-year-old delivery boy, is grabbing orders at a restaurant on Qingnian Road.

Yang Xue took orders from two platforms at the same time, crowdsourcing and Ele.me crowdsourcing.

He chose the crowdsourcing model instead of full-time, saying it was mainly for the freedom and lack of constraints.

Within an hour, 6 out of 7 orders were successfully placed and 1 order was returned.

He made a total of more than 60 yuan.

At around 1:40, Yang Xue sent a message saying that three more orders would be received.

Li Bing and Yang Xue are both members of the crowdsourcing army.

Crowdsourcing mode refers to a company or organization outsourcing tasks that were previously performed by employees to unspecified people in a free and voluntary manner.

Take the user agreement of the Hummingbird platform as an example.

Hummingbird will sign a user agreement with the user before they register as a crowdsourcing knight.

Xiaotian has also worked in the food delivery industry for many years and is now the person in charge of a food delivery site in Wuhan.

He introduced that the current ratio of dedicated delivery riders and crowdsourcing riders on the food delivery platform is basically 6:4.

"Crowdsourcing riders are very mobile because no one restricts whether they want to run one order every day or how long they have to run. They are the kind of people who can get on if they want to, but can't get on if they don't want to." Crowdsourcing rider platforms account for a low proportion.

Xiaotian said, "Express delivery is guaranteed by the quality of express delivery services. Any problems during delivery will be borne by the delivery site, but the platform commission is higher. Crowdsourcing riders have a large delivery range, but there is no quality guarantee for delivery services. The platform is slightly lower,

About 17%. At the same time, work flexibility is high. “When an order comes, the crowdsourcing rider can choose whether to accept the order or not, and the order will appear.

The merchant has picked up the meal, but there is no rider to take the order, causing the order to be canceled and the merchant's meal was wasted.

In addition, crowdsourcing riders will be deducted for each vote, and will be deducted for complaints, but no money will be deducted for negative reviews.

" Xiaotian said. Li Bing also said that crowdsourcing is relatively free, but there are also express agents, who are specialized express agents. "There is a webmaster responsible for delivery, and you have takeout, flash delivery, intra-city delivery and other services that are closely related to public life.

The services are all instant logistics.

Logistics expert Zhao Xiaomin said that currently, common logistics fulfillment models on ready-to-use platforms include subcontracting, express delivery, crowdsourcing, etc.

However, the crowdsourcing model accounts for more than 70% of them and will remain the mainstream in the future.

The blue book "China's Flexible Employment Development Report (2021)" released by the School of Labor and Human Resources of Renmin University of China and Renrui Talent and Social Science Literature Publishing House shows that in 2020, the proportion of enterprises adopting flexible employment increased by more than 11% year-on-year, reaching 55.68%; more than four

Three-thirds of companies use flexible employment mainly for the motive of "reducing labor costs."

"The crowdsourcing model can be seen in fields that basically require a large amount of labor. Without it, industries such as food delivery would not be able to develop so fast. A platform needs to recruit millions of people and conduct management training, which requires a lot of human and financial resources. But

By cooperating with this third-party outsourcing company, the platform’s workload is relatively easy,” said Internet observer Ding Daoshi.

Currently, Internet companies Meituan, Ele.me and other platforms are using the crowdsourcing model.

Zhao Xiaomin said that the advantages of the crowdsourcing model are obvious, such as the use of idle social resources, cost reduction, high efficiency of platform matching transactions, diversification of fees, and large submission volume.

On the other hand, the stability of order distribution will be challenged, legal disputes will be common, and some ethical criticism will be faced.