Sharing economy consumer insight

A study on how customers, service providers and platforms perceive risk in the sharing economy model

Sharing risks sharing rewards report

Sharing risks, sharing rewards: Who should bear the risk in the sharing economy?

The emergence of the sharing economy is revolutionising the way assets and services are consumed – creating multi-party relationships and raising the question of who  should bear responsibility for mitigating the risks involved.


Lloyd’s commissioned a survey to learn about how US, UK and Chinese participants in the sharing economy perceive and manage the inherent risks. This study demonstrates how insurance can be a key driver of consumer confidence and trust, with the ability to help break down barriers to use, ultimately driving business growth for sharing economy platforms.

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