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The company offers \"data-led pricing\" by aggregating workers' data across gig platforms. Cachet plans to spend the fresh funds on expanding its services across Europe.", "slideCount": 13, "companyName": "Cachet", "description": "Cachet;; an Estonian startup that offers an insurance marketplace for gig workers;; has raised $5.7 million. The company offers \"data-led pricing\" by aggregating workers' data across gig platforms. Cachet plans to spend the fresh funds on expanding its services across Europe. Estonia-based startup Cachet aggregates gig workers' data to offer personalized insurance coverage based on hours worked across multiple apps. The startup has raised $5.7 million (€5.5 million) in a round described as between a seed and a Series A that was led by venture capital firm Truffle Capital. The fresh funds bring its total raised to $7.26 million (€7 million). Venture capital firms Uniqa Ventures and Icebreaker.vc also joined the round. The marketplace offers insurance plans for gig workers at a rate it says is 47% cheaper on average than standard insurance plans. It covers independent contractors working concurrently for Uber;; Bolt;; Deliveroo;; and TaskRabbit;; among others. The idea behind Cachet is to offer insurance plans that accurately represent gig workers' hours and activity;; without requiring that they work solely for one company. \"Platform workers are not loyal to only one platform. So if we take whatever area;; whether it's ride hailing or its delivery;; they work at least two;; if not more platforms at the same time;;\" cofounder Hedi Mardisoo said. Cachet currently has operations in Estonia;; Latvia and Poland;; and is eyeing the Nordic states as their next market for expansion;; according to Mardisoo. Meanwhile;; the EU is deliberating around a current regulation gap for gig workers. The European Commission's platform workers directive;; introduced in December;; would mark a radical shift in Europe's gig economy. If passed;; the onus would be on tech companies to prove that a worker is not an employee and therefore not eligible to benefits like insurance. Insurance options in the Cachet marketplace stem from at least 12 insurance underwriters and includes third-party liability;; motor and micro-mobility insurance;; and personal health and accident coverage. Cachet was founded in late 2018 by Mardisoo;; ex-head of corporate affairs at banking group Swedbank;; and Kalle Palling;; an ex-member of the Estonian Parliament. Palling;; who was first elected to Parliament in 2007 at the age of 22;; served as chairman of the Parliament's European Union Affairs Committee. 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