
Somebody Had to Insure the Freelancers
Covers Sara Horowitz's founding of Working Today in 1995, its 2003 relaunch as the Freelancers Union, and the insurance trust it built for members who could not access employer-sponsored plans.
Section 3 of five
The unions, guilds, and advocacy groups that independent workers built — and the older institutions they borrowed the idea from.
6 pieces in this section

Covers Sara Horowitz's founding of Working Today in 1995, its 2003 relaunch as the Freelancers Union, and the insurance trust it built for members who could not access employer-sponsored plans.

A dispute among Latin American cleaners at the University of London produced something the established labour movement had not anticipated: a new kind of institution.

The organisation now called IPSE began as a reaction to a single paragraph in a 1999 Budget document — and has never entirely escaped that origin.

The gap that guilds exist to fill

Entertainment unions invented collective bargaining for independent contractors long before Uber existed. The gig economy is still borrowing their playbook.

Residuals in 2007, AI clauses in 2023: the Writers Guild and SAG-AFTRA keep fighting the same fight with different names for the technology.
Eight landing pages. Every piece is reachable from one of them, or from the archive.