DevTrails 2026

SHARMISHTHAA R AI-DS — Tue, 31 Mar 2026 13:16:07 +0000

Scaling Gig Worker Protection with AI: Our Journey at Guidewire DevTrails 2026

Introduction

Excited to step into the Scale Phase of the Guidewire DevTrails 2026 Hackathon!
After successfully completing the Seed Phase with a 4/5 rating and achieving the *Diamond Tier *, our team is now focused on scaling our solution and bringing it closer to real-world impact.

The Problem We’re Solving

Gig economy workers—especially delivery partners—face unpredictable challenges daily:

Extreme weather conditions
Air pollution and poor visibility
Traffic disruptions and unexpected events

These factors directly impact their earnings, safety, and job stability.

Our Solution: GigCover AI

We built GigCover AI, an AI-powered parametric insurance platform designed specifically for gig workers.

Key Idea:

Instead of traditional insurance claims, payouts are triggered automatically based on real-time risk conditions.

How It Works

Collects user location (GPS)
Fetches real-time weather data
Calculates risk level dynamically
Enables instant claim eligibility when risk is high

This ensures faster, fair, and transparent protection.

What We’re Building in the Scale Phase

In this phase, we are focusing on:

Enhancing AI models with better predictive analytics
Integrating real-time environmental data (weather, pollution, traffic)
Designing a scalable system architecture
Improving user experience for gig workers
Building faster and more transparent parametric triggers

Tackling the “Market Crash” Challenge

One of the most exciting challenges we faced was the Market Crash scenario

A coordinated fraud attack using:

Fake GPS locations
Multiple accounts
Artificial claim triggers

Our Defense Strategy

We designed a multi-layered anti-fraud system:

GPS + IP + movement validation
Behavioral pattern tracking
Device fingerprinting
Fraud network detection
Risk-based claim control

This ensures:
✔ Fraud detection
✔ Genuine worker protection
✔ System reliability

Tech Stack

Frontend (Web): React + Vite + Tailwind CSS
Mobile App: Flutter
Backend: Flask (Python)
Database: SQLite
APIs: OpenWeatherMap + REST APIs

Impact

Our platform aims to:

Protect gig workers financially
Provide instant payouts during risk events
Build trust between workers and platforms
Deliver real-world social impact

Team – The Core Four

Sujitha Rajan
Shona B
Sharmishthaa R
Tarika Paramasivam

Final Thoughts

By combining AI, real-time data, and parametric insurance, we are building a system that is:

Innovative
Secure
Socially impactful

AI #Hackathon #Guidewire #DevTrails2026 #GigEconomy #InsuranceTech

ParametricInsurance #MachineLearning #Flutter #ReactJS #Flask

StartupIdeas #WomenInTech #Innovation #TechForGood #FullStackDevelopment

WeatherAPI #FraudDetection #CyberSecurity #SystemDesign

GigShield -DevTrials

SHARMISHTHAA R AI-DS — Mon, 16 Mar 2026 09:48:29 +0000

Introduction

Delivery partners working with Blinkit depend on daily deliveries to earn their income. However, their earnings are highly affected by external disruptions such as heavy rain, pollution, or extreme weather conditions.

During the DevTrails Guidewire Hackathon, our team is developing GigShield, a parametric insurance platform designed specifically to protect Blinkit delivery partners from income loss caused by such disruptions.

GigShield automatically detects disruptions using real-time environmental data and provides instant payouts without manual claims.

The Problem

Blinkit delivery partners rely on completing deliveries throughout the day. When severe weather conditions occur, deliveries slow down or stop completely.

Example scenario

A Blinkit delivery partner normally earns ₹500 per day
Heavy rainfall occurs in the city
Orders reduce and deliveries stop for several hours
The delivery partner loses income for that day

Currently, there is no automatic protection system that compensates workers for this loss.

Our Solution – GigShield

GigShield is a parametric micro-insurance platform built specifically for Blinkit delivery partners.

Instead of traditional insurance where workers must file claims manually, GigShield uses real-time weather data to automatically trigger compensation when disruptions occur.

How the system works

1.A Blinkit delivery partner registers on the platform
2.The system calculates a risk score based on environmental factors
3.The worker pays a small weekly premium (₹20–₹30)
4.The system continuously monitors weather conditions
5.If a disruption occurs, the claim is automatically triggered
6.The worker receives an instant payout notification

This approach is called parametric insurance, where claims are triggered automatically when predefined conditions are met.

Example System Flow (Demo Scenario)

Step 1 – Worker Signup

Example user:

Name: Ravi
Platform: Blinkit Delivery Partner
City: Chennai
Income: ₹500 per day

The worker registers through the mobile application or web interface.

Step 2 – Risk Score Calculation

The system evaluates environmental risks such as weather disruptions.

Example result:

Risk Score = 0.61 (Medium Risk)
Weekly Premium = Rs.24

Step 3 – Policy Activation

Once the premium is paid, the worker activates the policy.

Example coverage:

Daily payout coverage =Rs.350

Step 4 – Weather Monitoring

The platform continuously checks weather data using a Weather API.

Example:

Rainfall detected = 120 mm
Threshold level = 100 mm

Since the rainfall exceeds the threshold, the claim trigger condition is satisfied.

Step 5 – Automatic Claim Trigger

The system automatically calculates the worker’s lost working hours.

Example:

Lost working time = 3 hours
Hourly income = Rs.100

Estimated payout = Rs.300 – ₹350

Step 6 – Automatic Payout Notification

The worker’s dashboard displays:

Claim triggered automatically
Payout initiated = RS.350

The worker does not need to submit any claim request manually.

Platform Features

The system is designed to work across mobile and web interfaces so that Blinkit delivery partners can easily access their insurance information.

--Landing Page

The landing page explains the service and its benefits.

Headline:

Protect Your Blinkit Delivery Income from Weather Disruptions

Buttons:

Get Covered
Learn More

--Worker Onboarding

The onboarding process collects simple information from the worker.

Step 1

Name
City

Step 2

Delivery Zone
Daily Income

The system then calculates the worker’s premium automatically.

--Worker Dashboard

The dashboard allows workers to monitor their policy details.

Displayed information includes:

Policy details
Risk score
Coverage amount
Claim history
Weather alerts

Example alert:

Heavy rain detected in your zone
Claim automatically triggered.

--Claim Simulation (Hackathon Demo)

For demonstration purposes, the system includes a Simulate Rainfall feature.

When the button is clicked:

Rainfall value = 120 mm

If rainfall exceeds the threshold:

A claim is automatically generated
Payout is calculated
The dashboard displays the claim status

Example dashboard entry:

Claim ID: CLM101
Payout: ₹350
Status: Approved

This simulation demonstrates how automatic parametric claims work for Blinkit delivery partners.

System Architecture

Tech Stack

Frontend

• Flutter – Mobile application for Blinkit delivery partners
• React.js – Web interface
• Tailwind CSS – UI styling for the web platform

Backend

•Python Flask – Backend server for handling application logic

APIs

• REST API – Communication between frontend and backend services
• Weather API – Provides rainfall and weather disruption data

Database

• SQLite – Used to store worker profiles, policy details, and claim records

Hackathon Focus

For the hackathon, we focused on building the most important functional components instead of a complex full system.

✔ Mobile application for workers
✔ Web interface for platform interaction
✔ Simple onboarding process
✔ Risk score calculation
✔ Automatic claim triggering
✔ Clear dashboard visualization

Team Members

This project is built during the DevTrails Guidewire Hackathon by:

Sujitha P
Shona B
Sharmishthaa R
Tarika P

Future Improvements

Future versions of GigShield could include:

• Pollution-based disruption monitoring
• Traffic restriction alerts
• AI-based risk prediction
• Real-time push notifications for workers

These improvements can help create a strong financial safety net for Blinkit delivery partners.

Conclusion

Blinkit delivery partners play a critical role in fast delivery services but remain vulnerable to environmental disruptions that affect their income.

GigShield introduces a smart parametric insurance solution that automatically protects workers from these losses.

By combining real-time weather monitoring, risk scoring, and automated claims, our platform ensures that Blinkit delivery partners receive financial support exactly when disruptions occur.

DEV Community: SHARMISHTHAA R AI-DS