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How does third party liability insurance on Airtasker work for Taskers?

Airtasker has general liability insurance in place that extends to include Taskers. Taskers are covered for their liability to 3rd parties for personal injury or property damage whilst performing certain task activities.

This $10m liability insurance is provided by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance and backed by IAG - the largest general insurer in Australia.

The liability insurance works on a claims made and notified basis. When you are notified and lodge a claim, the terms and conditions on that date will apply to your claim – not those that may have been in use before that date.

Claims must be lodged within 30 calendar days of the date of the incident.

As a Tasker, please always remember that, as an independent contractor, you’re still primarily accountable for personal injury or damage caused by you to third parties – so please take care when completing tasks.

All coverage is subject to the policy’s terms and conditions, and there are exclusions that apply. As a Tasker, please make sure you’re aware of the details including whether the task you are about to perform is insured. FAQ’s and information on these terms and conditions can be found below.  

How do I become eligible for cover under the third party liability insurance policy? 

For a Tasker to be covered by the third party liability insurance policy, the following conditions must be met:

(a) The Tasker (and any assistants) must be a registered member of Airtasker under the Airtasker platform; and

(b) The task must be completed and paid for through the Airtasker platform. Tasks paid via alternative means (including cash in hand) are not covered; and

(c) The personal injury or property damage must occur as a result of the task you have performed. Only injury to people other than the Tasker is covered. Anyone under the Tasker's control or supervision is not covered (unless they are also registered on Airtasker). Property damage is also covered but does not include property belonging to you or people under your control or supervision in performing these tasks. 

What Task Activities does insurance apply to?

Please refer to this list for information on which activities are covered and which are not. In general the policy does not cover tasks that require the service provider to have a particular licence or qualification (e.g. electricians, plumbers, etc) as they are required to have their own insurance. If you’re not sure about whether your task activity is covered, please contact us. We’ll connect you with a qualified insurance representative to help find the answer. 

No insurance cover applies if injury or property damage occurs as a result of:

  1. Deliberate or intentional acts by the Tasker
  2. Criminal activity or actions which are criminal by nature
  3. A Tasker injuring a person in their direct supervision or control who is an Airtasker Member or directly engaged by the Tasker to assist in completing the Task (this does not apply to the Poster)
  4. Poor workmanship, poor quality work, or cost to rectify work that is not ‘fit for purpose’ unless such work has caused personal injury or property damage

There are other exclusions that apply to the policy.

There is no cover if injury or damage is caused by:

  1. Use of vehicles
  2. Use of watercraft
  3. Use of aircraft including drones
  4. Use of, ownership of, or leasing of buildings or land
  5. Use of firearms
  6. Legal or Financial advice or services
  7. Management or planning of events
  8. Service of alcohol (unless served by persons over 18 and where a licence has been obtained where required to do so)
  9. Beauty treatment involving cutting or puncturing or tattooing of the skin
  10. Performing a trade service or activities that require an Australian or State certificate or licence to do so
  11. Activities on or in water
  12. Commercial food preparation or cooking that is on-sold or supplied to gatherings of more than 100 people
  13. External work carried out where you will be at a height greater than 5 metres in height or 2 storeys

Does insurance apply if someone doesn't like the work I have done?

No. The Insurance Policy does not cover poor or faulty workmanship, poor quality work or guarantee any work performed. Also, it does not cover you if the work you have completed fails to perform – e.g. you install a burglar alarm and it doesn’t work.

Costs incurred to rectify the work described above is also not covered by insurance.

What should a Tasker do in the event of damage or injury to a Job Poster or someone else whilst completing a task?

(a) Please contact support@airtasker.com as soon as possible.

(b) Please keep in mind that insurance terms require the Tasker not to admit responsibility to third parties for loss whilst a claim is being investigated.

(c) The claims assessor will require details of how the injury or damage occurred. Please note down details of independent witnesses and take photos of the damage if appropriate.

(d) Airtasker Support will provide the Tasker with a claim form to lodge.

We also expect you to communicate promptly when we reach out to you for additional information related to an insurance claim. Otherwise we may take action, including restricting your ability to make offers in the Airtasker marketplace or suspending your access to the marketplace.

What is an excess and how does it apply to me?

An excess is an amount of money you have to pay before cover is provided for a claim under the policy.

Where the claimed amount is less than the excess amount, the third party insurance policy does not apply. In these cases, Airtasker may elect to compensate third parties. We do so as a matter of discretion, on a case by case basis in order to improve the overall user experience of the Airtasker

platform. Airtasker is in no way obliged to provide this compensation, and in doing so we are not providing insurance.

Please note that, as is standard insurance practice, the insured Tasker may need to jointly contribute to the claim payout in the form of an excess payment up to $500. Airtasker will still cover the majority of the excess payment.

What happens if I get injured while completing the task? 

This policy does not cover personal injury to the Tasker. However you may be eligible to make a claim through Personal Accident Cover.

For information about Personal Accident Cover, please contact us at support@airtasker.com. 

Please note this is a summary of the Airtasker third party liability insurance policy ONLY. Nothing contained herein is general or personal advice.

Furthermore, it is declared and agreed that nothing contained in this summary should be understood to be an express or implied condition, term or exclusion which forms part of the Insurer Policy terms and conditions or be relied upon in the event of a Claim. Please contact Airtasker for access to the Certificate of Currency and/or Insurance Policy Schedule and/or Policy Wording for information as to the specific coverage, terms, conditions and exclusions afforded by the Insurer in the event of an incident, occurrence or Claim.

Please also note that each Claim is subject to an Excess payable by the Tasker - full details of the Policy, its coverage and exclusions including the applicable excess details are available on request by the Tasker.

(*) Content provided by Modern Risk Solutions Pty Ltd who is Corporate Authorised Representative of PSC Connect Pty Ltd (Australian Financial Services Licence AFSL 344648)

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