Insurance for app-based couriers and drivers tends to be inconsistent. It's not always available, sometimes costs drivers extra and may be focused more on protecting the company than the worker. Square's restaurant delivery service Caviar is addressing this gap by launching Occupational Accident coverage that will cover costs for injuries suffered on the job. If they're hurt picking up or delivering food, they'll receive up to $1 million per accident, $100,000 in accidental death and survivor's benefits and disability pay that equates to 50 percent of their average weekly earnings. This won't cost extra to couriers, and it starts the very moment they start accepting customers.