Dinghy operates in the insurance sector, offering flexible and affordable insurance solutions specifically tailored for freelancers and the self-employed. The company serves a diverse range of freelance professionals, including tech developers, creatives, consultants, and more, providing coverage for professional indemnity, public liability, and business equipment. Dinghy's unique business model allows clients to turn their insurance on or off, or adjust coverage levels as needed, without incurring fees or being locked into contracts. Clients are charged by the second for the coverage they use, and payments are made at the end of the month. This innovative approach makes insurance more accessible and fair for freelancers, who often face fluctuating workloads and incomes. Dinghy generates revenue through premiums paid by its clients, offering a pay-as-you-go model that aligns with the flexible nature of freelance work. The company also provides additional services such as 24-hour equipment replacement or instant cash transfers, ensuring that freelancers can quickly get back to work in case of any disruptions.

Keywords: freelance insurance, flexible coverage, low-cost, no contracts, pay-as-you-go, professional indemnity, public liability, business equipment, 24-hour replacement, instant cash transfer.