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Insurance coverage is moving to ‘on demand,’ like movies and music.

The on-demand economy has certainly grown over the last decade. We now watch movies and TV on-demand using services like Netflix and Amazon Prime, and we obtain transportation on demand through companies like Uber and Lyft.

With new technology, some insurers allow coverage to be “on-demand,” that is, it can be turned on and off at any time. But can consumers benefit from on-demand insurance in the same ways that they have benefited from innovations in these other industries? Who will benefit the most from these new on-demand insurance offerings? That depends on what you do, and how often you do it.

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