Welcome to ToG Assurances Sans Frontières
Digital Inclusive Protection for Everyone, Everywhere
- Financial inclusion of gig workers
- 100% digital, mobile experience
- Scalable partnerships with platforms, insurers, and NGOs
Digital Inclusive Protection
ToG Assurances Sans Frontières is a social impact insurtech committed to expanding access to inclusive insurance solutions for underserved communities, gig workers on digital platforms, and immigrant families across Europe.
Our fully digital platform provides affordable, accessible, and relevant coverage, tailored to the real-life risks faced by today’s mobile and platform-based workforce. Our mission is to design and distribute insurance products that bridge protection gaps for vulnerable populations — building resilience and financial security when adverse shocks occur.
Platform Partners
Working with major delivery platforms
Gig Workers Protected
Digitally serving gig economy workers
100,000+
Market Experience
Years operating in digital insurance
5+ years
Achievement
Market-leading digital insurance platform in Brazil
ToGarantido
From Latin America to Europe
Our team launched and scaled ToGarantido, a market-leading digital insurance platform in Latin America. Now, we're bringing this expertise to European markets.
Our Impact in Brazil
In Brazil, we work with some of the largest delivery platforms, including iFood and Rappi, to digitally serve hundreds of thousands of gig workers. Our embedded insurance solutions are seamlessly integrated into these platforms, offering meaningful protection and reducing churn, downtime, and vulnerability across their ecosystems.
- Reduced platform churn
- Lower downtime for couriers
- Stronger platform loyalty
Our insurance combo solutions
Life and Health Insurance
Protection for you and your family in case of accidents or health problems
Income Protection for Gig Workers
Income guarantee in case of absence from work due to illness or accident
Bike & Mobile Phone Insurance
Protection for your essential work equipment against theft and damage
Civil Liability Insurance
Protection that accompanies you and your family even in other countries
A Strategic Advantage for Delivery Platforms
Creating an insurance program with ToG offers multiple business and social benefits for platforms and their ecosystems
Increased Driver Retention
Insurance creates loyalty and reduces churn in a highly competitive labor market.
Reduced Downtime
Protection against accidents and income loss gets couriers back on the road faster.
Improved Platform Reputation
Demonstrates social responsibility to regulators, investors, and the public.
Regulatory Readiness
Positions your platform ahead of evolving labor and ESG compliance expectations.
Support for Small Merchants
Insurance can also be extended to local shops and vendors to create a more secure and resilient ecosystem.
Data-Driven Insights
Access to behavior, risk, and claims data to improve workforce strategy and risk management.
Interested? Leave your contact information
We’re currently finalizing the details of our offerings. If you’d like to be among the first to know, please provide your details below.