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How does Airtasker Insurance work for Taskers in the UK?

Taskers are the beneficiaries of a third party liability policy covering up to £5 million that insures Taskers registered on the Airtasker platform for their liability to third parties for personal injury or property damage whilst performing a task on Airtasker. All coverage is subject to the policy’s terms and conditions and there are exclusions that apply.

The Insurance policy is provided by Lloyd’s XL Catlin syndicate 2003, one of the most reputable and innovative insurance brands in the UK, placed through our broker JLT Reinsurance Brokers Limited.

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

 

As a Tasker, you should also be aware of the terms and conditions for which insurance protection is provided for you. FAQ’s and information on these terms and conditions can be found below:  

Who is entitled to Airtasker insurance and how do I get it?

For a Tasker to have protection under the Airtasker Liability insurance policy, the Tasker must:

(a) be a registered member of Airtasker under the Airtasker platform; and

(b) the associated task has been accepted and paid through the Airtasker platform; and

(c) personal injury or property damage has occurred 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. 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?

The insurance only provides cover for a Tasker’s contracted works, services and any damage, loss or liability for pollution, property damage or injury arising from performing tasks via the Airtasker UK Limited platform. The Insurance Policy does not cover poor or incorrect workmanship in the absence of damage or loss. The following is an example of the coverage and main exclusions from the policy.

Policy Clause Summary

Section A: This section will cover Taskers for any physical loss or damage to the task works and materials used and/or worked upon as part of the task.

  • Main Exclusions: Consequential losses; Aircraft; Waterborne Craft or Vessels >20feet; Defects; Mechanical Breakdown; Welding or similar
  • Claim example: The Tasker is completing a task that requires the building of flat-pack furniture. During assembly, the furniture is accidentally damaged by the tasker beyond repair. In this instance - the Insurance will cover the furniture replacement for the Poster of the Task, subject to the payment of an excess.

Section C: This section will cover Taskers for legal liability including costs from any actual or alleged Bodily Injury and/or Property Damage.

  • Main Exclusions: Asbestos; Dams; Bridges; Tunnels; Major demolition; Use of Explosives; Welding or similar open flame work; Sexual Molestation or Abuse; Excavations below 3 meters; Work at heights greater than 15 meters; Ship building or repairs; Operation of Waterborne craft; Terrorism; Manslaughter; War
  • Claim Example: The Tasker is completing light gardening and general domestic cleaning. It is discovered the Tasker left hose water running which has flooded the home with significant damage. The Poster demands compensation from the Tasker to clean up and repair water damaged items. The Insurance covers the costs and the repairs associated with this matter, subject to the payment of an excess by the Tasker

Section D: This section will cover Taskers for legal liability including costs from any actual or alleged Bodily Injury and/or Property Damage arising from Pollution.

Pollution means: contamination of the atmosphere or of any water land or other tangible property by any solid, liquid, gaseous or thermal irritant or contaminant including smoke, vapour, soot, fumes acid, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

  • Main Exclusions: Asbestos; Dams; Bridges; Tunnels; Major demolition; Use of Explosives; Welding or similar open flame work; Sexual Molestation or Abuse; Excavations below 3 meters; Work at heights greater than 15 meters; Ship building or repairs; Operation of Waterborne craft; Terrorism; Manslaughter; War
  • Claim Example: The Tasker is completing a painting job and washes out brushes and other chemicals into a nearby drain.The drain is damaged and the paint and chemicals seep into a nearby home. The fumes cause the occupants of the home to feel sick and require medical attention. The Insurance will cover the costs and medical compensation associated with this matter, subject to the payment of an excess by the Tasker.

There are other exclusions that apply to the Airtasker Liability Insurance Policy.

To find out more about these exclusions, please contact Airtasker who will help connect your with a qualified insurance representative that can assist you with your enquiry.

Does insurance apply if someone doesn’t like the job 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 must a Tasker do in the event of damage or injury to a 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.

Airtasker also expects you to communicate promptly with us 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.

Please note that as with standard insurance practice, as the insured Airtasker Tasker you need to jointly contribute to the claim payout in the form of an excess payment.

If the cost of the damage is less that the excess amount, no insurance cover applies.

For information regarding the excess and for assistance with claims below the excess amount, please contact Airtasker.

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 Airtasker UK Limited’s fully licensed and authorised Insurance Broker

 

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