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

 As a Poster, you have engaged a Tasker (an independent contractor) to complete your task using the Airtasker platform. The Tasker is primarily responsible for the work that is carried out and therefore liable for consequences that result from their activities when performing the Task.

Airtasker general liability insurance covers Taskers for their liability to third parties for personal injury or property damage whilst performing certain task activities. The $10m liability insurance is provided by Insurance Australia Limited (ABN 11 000 016 722, AFSL 227681) trading as CGU Insurance who are backed by IAG - the largest general insurer in Australia.

This insurance only provides cover for a Tasker’s liability for property damage or injury arising from covered activities and does not cover faulty workmanship.  Posters should ask the Tasker about their workmanship standards and any insurance for it before accepting an offer.


What Task Activities does insurance apply to?

If the Tasker causes injury or property damage to a Poster or their property whilst performing covered activities , liability insurance arranged by Airtasker includes the third party liability of the Tasker, subject (as always) to Insurer’s terms and conditions.

The insurance policy is only provided for covered activities.

Here is the list of covered activities.

Tasks must be completed and paid through the Airtasker platform to be eligible for the coverage subject to insurance terms and conditions. Any tasks paid through alternative means (including cash-in-hand) will not be covered.

Please also note that insurance only covers the Tasker performing a covered activity. If someone else shows up to perform the task or extra people are brought to assist with the task, this is in breach of the Community Guidelines and those individuals will not be covered by Airtasker Insurance unless they are also registered Airtasker Members.

Is there an excess?

The Airtasker insurance policy applies an excess. If there is a successful claim, the Tasker is expected to contribute their share of the loss in the form of the excess or co-contribution. The required Tasker co-contribution will be assessed on a case-by-case basis.

Posters and Third Parties are not liable to pay the excess.

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.

If the loss amount is below the Tasker's required excess payment, the Poster or Third Party also has the option of recovering the loss directly from the Tasker.

How can I submit a claim under Insurance on Airtasker?

As a  Poster, if you’ve suffered damage or personal injury due to the actions of a Tasker, we suggest that you take the following steps:

  1. Communicate with the Tasker to attempt to resolve the alleged loss matter
  2. If unable to resolve the matter, please contact Airtasker at support@airtasker.com
  3. Airtasker will contact the Tasker to request them to fill out an insurance claim form
  4. We also require the  Poster to fill out an incident notification form to provide their version of the events. The Poster will also be required to provide photographs and formal quotes/receipts to substantiate their claim
  5. The claim form along with incident details will be forwarded to the Insurer's claims assessor

Please note that the Insurer may collect information from all the parties involved to make a decision on whether the Tasker is liable for the loss and also to assess the value of the alleged loss. As with standard insurance processes, the claim may be denied if there isn’t enough evidence to validate a claim. Please keep supporting evidence of the incident and contact details of witnesses.

If the claim is denied by the Insurer in-line with policy conditions, then the Poster still has the option of recovering the loss directly from the independent contractor Tasker.

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 more information. 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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