DEVTrails 2026 — Guidewire Hackathon | Phase 1 Submission
Disruption hits. Money lands. Zero delay.
India has 7 million+ gig delivery workers on Swiggy, Zomato, Blinkit, and Amazon. Their income depends entirely on completing deliveries — but they have zero protection when the world stops them from working.
Heavy rain. Flash floods. Heatwaves. AQI spikes. Sudden curfews.
One bad week = no income. No safety net. No insurance.
ZeroDelay is a parametric micro-insurance platform that automatically pays workers when disruptions hit — no claim forms, no waiting, no rejection.
The system monitors real-time environmental and social conditions. The moment a threshold is breached, the payout fires automatically to the worker's UPI account within minutes.
Rainfall detected: 82mm → Threshold: 70mm → ₹400 sent via UPI ✓
| Disruption | Trigger Condition | Auto Payout |
|---|---|---|
| Heavy rain | Rainfall > 70mm/hr | ₹400 |
| Heatwave | Temperature > 42°C | ₹300 |
| Severe pollution | AQI > 350 | ₹300 |
| Flood / waterlogging | Govt Level 2+ alert | ₹500 |
| Curfew / zone shutdown | Government notification | ₹500 |
Weekly premium: ₹30 · Max coverage: ₹2,000/week
No manual verification. No adjuster. No delay.
| Tab | What it shows |
|---|---|
| Dashboard | Registered workers, premiums collected, live payout counter |
| Trigger Simulator | Drag sliders past thresholds → full auto-payout flow with live log |
| AI Risk Engine | Zone-wise ML risk scores + dynamic premium pricing per area |
| Policies | All 5 parametric triggers with amounts and data sources |
- Worker onboarding — register with platform, zone, and weekly earnings
- AI risk profiling — ML model scores each delivery zone on historical disruption data
- Dynamic premium pricing — high-risk zones pay more, low-risk zones get discounts
- Real-time monitoring — continuous polling of weather, AQI, and government alert APIs
- Automated claim trigger — zero human intervention from detection to payout
- Fraud detection — anomaly detection flags GPS spoofing and duplicate claims
- Instant UPI payout — money reaches workers within minutes of a trigger event
Worker App (Web / Mobile)
│
▼
Frontend — React.js
│ REST APIs
▼
Backend — Node.js / FastAPI
│
┌────┴────┐
▼ ▼
AI Risk Fraud
Engine Detection
│ │
└────┬────┘
▼
PostgreSQL Database
Workers | Policies | Claims | Payouts
│
▼
External APIs
OpenWeather · AQI · Google Maps · Razorpay · NDMA
| Layer | Technology |
|---|---|
| Frontend (demo) | HTML, CSS, Vanilla JS |
| Frontend (production) | React.js + Tailwind CSS |
| Backend | FastAPI (Python) / Node.js + Express |
| AI / ML | scikit-learn, TensorFlow, Pandas, NumPy |
| Database | PostgreSQL |
| Payments | Razorpay / Stripe sandbox |
| Weather | OpenWeather API |
| Air quality | AQI APIs |
| Govt alerts | NDMA / Government alert feeds |
Revenue streams:
- Premium collection — ₹30/worker/week. At 100K users = ₹30L weekly revenue
- Platform partnerships — Swiggy / Zomato subsidize premiums to improve worker retention
- Risk analytics — urban disruption data sold to insurers and logistics platforms
- Enterprise integration — co-branded policies with existing insurers
Market opportunity:
- Current gig workforce: 7 million
- Projected by 2030: 23 million
- Gig economy market size: $455 billion
No build step. Just open the file.
git clone https://github.com/arijit-06/1337_Insure
cd 1337_Insure
open index.htmlDeploy to Vercel:
- Import repo at vercel.com
- Framework preset: Other
- Deploy — live in ~30 seconds
Deploy via GitHub Pages:
- Repo Settings → Pages → Source:
mainbranch, root/ - Live at
https://arijit-06.github.io/1337_Insure
├── index.html # App shell + all tabs
├── style.css # Styles + responsive layout
├── app.js # Tab logic + trigger simulator
└── README.md
| Name | Role |
|---|---|
| Arijit Das | |
| Sourashis Sabud | |
| Sanskriti Ranjan | |
| Shivansh Dhingra |
Built for Guidewire DEVTrails 2026 Hackathon