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Benefits

WHAT INDEPENDENT
WORK DOES NOT COME WITH.

Being built

Independent participants do the same work as employees and get none of the structure around it: no health cover, no retirement contribution, no income protection when a month goes badly. The gap is not a small inconvenience — it is the main reason people stay in jobs they have outgrown.

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What to know
The gap, specifically
Every one of these is arranged automatically for an employee and arranged by nobody for an independent participant.
  • Health cover, bought individually at individual prices
  • Retirement saving, with no match and no default
  • Income protection when work stops
  • Liability insurance, required by buyers and bought alone
Scale is the only thing that changes the price
These are cheaper in groups because risk pools. A platform with many participants is a group, which is the only genuine mechanism by which any of it gets more affordable.
The honest constraint
Insurance and retirement products are regulated per jurisdiction and cannot be assembled by a commerce platform wishing for them. Anything real here means arrangements market by market, which is slow and is the actual work.
Status
Not built. No benefits are offered, arranged or brokered today, and nothing on this page is an offer. It is a statement of what the gap is and what would have to be true to close it.
Where to go next
RETIREMENT FOR INDEPENDENT PARTICIPANTS.
Independent sellers, merchandisers, drivers and makers do the same work as employees and get none of the structure around it.
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INSURANCE BUYERS ASK FOR.
Most retailers and every institution will ask for a certificate of insurance before your first delivery, at limits they specify, naming them as an additional insured.
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IF NOBODY TOLD YOU ANY OF THIS.
Most of what wholesale expects you to know is not written down anywhere.
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GRAJ

READY TO
RUN YOUR GAME ON GRAJ.

Free to join. Participants keep 95% of every transaction; GRAJ takes 5%. Built for 195 countries — payments live in the United States.

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