Airtasker has a general liability insurance policy in place that includes but is not limited to coverage for Taskers. Taskers are covered for their liability to third parties for any actual or alleged personal injury or property damage whilst performing activities not otherwise excluded.
This liability insurance policy is provided by QBE UK Limited.
The liability insurance works on a claims-made and notified basis. When you are notified and lodged 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 accountable for any actual or alleged personal injury or property damage caused by you to third parties – so please take care when completing tasks.
We encourage Taskers to take necessary preventions to avoid causing personal injury to a Customer/Poster or any Third Party, as well as damage to their properties.
All coverage is subject to the policy’s terms and conditions, and there are exclusions that apply.
There is an excess that applies to the insurance policy for each claim lodged against the tasker and the excess is fully payable by the tasker.
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.
Frequently Asked Questions:
- How do I become eligible for cover under the third party liability insurance policy?
- What is Airtasker’s role and how do we support you?
- What Task Activities does insurance apply to?
- Does insurance apply if someone doesn’t like the work I have done?
- What must a Tasker do in the event of damage or injury to a Customer/Poster or someone else whilst completing a task?
- What is an excess and how does it apply to me?
- What happens if I get injured whilst completing the task?
- I have settled the claim directly with the Customer/Poster or Third Party. Can I get reimbursement from insurance?
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/helpers) 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) Personal injury or property damage must occur as a result of the task you have performed. Only the injury to the Customer/Poster or Third Party is covered. Injury to a Tasker or anyone under the Tasker's control or supervision is not covered.
We encourage Taskers to obtain their own personal injury insurance that fits their professional and personal needs.
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 is Airtasker’s role and how do we support you?
Airtasker’s role is to assist both users, Taskers and Customers/Posters in the lodgement of a claim. We provide both users with incident reports, giving the opportunity for each side to tell their side of the story. Both users should provide supporting documents and/or evidence as they fill the incident reports.
Airtasker will then forward the incident reports along with any supporting document and/or evidence provided by users to QBE that will assign claims assessors to each claim.
Please note that Airtasker is not an insurance company. We do not issue any insurance policy, we do not provide any advice (General or Personal) and we do not assess claims. Additional documentation or evidence may be required by QBE and this can be provided directly to QBE.
The lodgement of a claim does not guarantee settlement. A claim can still be denied after the completion of the assessment by QBE.
QBE as the insurance provider is the party that assesses claims and determines whether claims are to be denied or offered a settlement in full or partially.
These assessments are done independently. Airtasker does not influence the outcome of any claim assessment. Airtasker may assist in communicating the result of a claim assessment as instructed by QBE.
What Task Activities does insurance apply to?
Airtasker’s QBE Liability Insurance Policy does not cover all tasks or activities. Please refer to the list of excluded activities for more information. If you’re not sure about whether your task activity is covered, please contact us. We’ll assist you to find the answer by contacting our qualified and licensed insurance broker representative.
No insurance cover applies if injury or property damage occurs as a result of:
- Deliberate or intentional acts by the Tasker
- Criminal activity or actions which are criminal by nature
- 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 Customer/Poster)
- 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 to property that is actually or alleged to have been caused by:
- Use of vehicles
- Use of watercraft
- Use of aircraft
- Use of firearms
- Legal or Financial advice or services
- Medical Malpractice & Medical Treatments
- Sexual and/or Escort services
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.
Any cost incurred to rectify the work described above is also not covered by insurance.
What must a Tasker do in the event of damage or injury to a Customer/Poster or someone else whilst completing a task?
(a) Please contact Airtasker support 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 the 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.
This means that the policy will not cover any loss nor offer any settlement amount to the Customer/Poster or Third Party.
In these cases, the Customer/Poster or Third Party have the option to seek settlement directly from the Tasker.
Please note that the Tasker will need to contribute to the claim payout in the form of an excess or contribution payment up to the amount requested by Airtasker.
A claim was lodged for £2500 in damages. The claim was referred to the insurance company to be assessed by a claim assessor. Upon completion of the assessment, the insurance claim assessor decided that the claim is payable to the customer/poster for the full amount of £2500.
Before insurance can pay out the £2500, it needs to receive an excess payment from the insured party, in this case, the Tasker.
If the excess amount is £1500 according to the policy, the Tasker will need to pay the insurance company, £1500 in full. Once this has been received, insurance will then pay the balance of £1000 to complete a full settlement amount of £2500 to the Customer/Poster.
What happens if I get injured whilst completing the task?
If an accident has occurred and you need medical attention, call an ambulance or your local emergency line.
I have settled the claim directly with the Customer/Poster or Third Party. Can I get reimbursement from insurance?
No. Any direct settlement provided by a Tasker to settle any claim directly with a Customer/Poster or Third Party, in labour and/or costs both material or immaterial, can not be reimbursed through insurance. As an independent contractor, you’re accountable for personal injury or property damage caused by you to a Customer/Poster or Third Party. We appreciate any direct settlement for a claim which has been provided by a Tasker to a Customer/Poster or Third Party which improves users’ experience on the platform.
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.