ClickCease Taskrabbit Insurance Policy and Requirements

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TaskRabbit Worker Requirements and Insurance Coverage


What are the Requirements to be a TaskRabbit Tasker? Insight From the Best Personal Injury Attorneys

After ride sharing, home sharing, and car sharing, the most popular gig in the sharing economy is on-demand labor. 

TaskRabbit is an online and mobile marketplace that matches freelance labor with local demand, allowing consumers to find immediate help with tasks like moving, yard cleanup, light installation, and handyman work. Essentially, it connects users, called Taskers, to paying gigs. In September 2017, the IKEA Group acquired TaskRabbit.

Taskers choose this platform for the ability to find the jobs they like to do at rates that they set and the schedule that works for them. Taskers are paid an hourly rate, minus a service fee, plus tips. The highest paying gigs are handyman-type tasks, moving, and cleaning.

To work for TaskRabbit, you simply need to meet the following requirements:

  • Be 18 or older
  • Have a checking account, smartphone, and credit card
  • Pass background and ID checks
  • If approved, pay a nonrefundable $25 registration fee
  • Attend an orientation session

Insurance Policy?


As more freelance jobs are created, it is important for gig workers to be aware of what kind of insurance they need.

Per their website, TaskRabbit does not insure or provide insurance against any losses sustained by users, meaning anyone who uses their platform. Instead, they reference what they call The TaskRabbit Happiness Pledge, which states: “Depending on the circumstances of the incident, the Happiness Pledge may be available to assist with property damage, theft, or bodily injury incurred during the performance of a task.” On said pledge, they state that they’re not liable for the acts or omissions of users.

In the event that users fail to resolve an issue between themselves, TaskRabbit may offer the following in its discretion on a case-by-case basis:

  1. Up to $10,000 per occurrence for property damage arising as a direct result of negligence of a Tasker during performance of a task through the TaskRabbit platform.
  2. Up to $10,000 per occurrence for bodily injury sustained by a user who did not cause the injury, as a direct result of negligence by another user during the performance of a task through the TaskRabbit platform
  3. Up $10,000 per occurrence for theft of a user’s property by a Tasker during performance of a task through the TaskRabbit platform.

Moreover, in order to be eligible for payment under the TaskRabbit Happiness Pledge, Users must comply with the following terms and conditions:

  • If the task giving rise to the Happiness Pledge Claim (“the claim”) required a licensed professional to perform (for example, plumbing, electrical, medical professionals, legal work, notaries public, licensed general contractors, exterminators, etc.), the client has obtained proof prior to the execution of the task that the Tasker has such license;
  • The task giving rise to the claim must not violate TaskRabbit’s Terms of Service;
  • The task giving rise to the claim must have been matched through the TaskRabbit platform, performed by the hired Tasker, and paid for in full via the TaskRabbit platform;
  • Must submit a TaskRabbit resolution request form within 14 days of the performance of the task giving rise to the claim;
  • Must not have submitted a separate Happiness Pledge claim within 90 days prior to the occurrence of the task giving rise to the claim;
  • Must not have violated the Terms of Service; and
  • The TaskRabbit account is in good standing, with no outstanding or pending balances owed to TaskRabbit or other users.

The TaskRabbit Happiness Pledge does not cover property damage, bodily injury, theft, or other losses or damages arising from or in any way related to a slew of losses that include, but are not limited to, those that arise from:

  • Operation of any motor vehicle, bicycle, aircraft or watercraft by a user.
  • Negligence of a client or third party, or from client’s lack of supervision of the task.
  • A manufacturer’s or a product’s defects, or from pre-existing damages or conditions of the item or property, normal wear and tear, or deterioration.
  • Tasker losses arising from negligence of a Tasker or third party.

It’s important to highlight that the TaskRabbit Happiness Pledge is not insurance, and that no User or third party is an insured or third party beneficiary. As they state on their website: “If [a Tasker carries] insurance that would cover [them] in the event of a Claim, including but not limited to renter’s insurance, homeowner’s insurance, medical insurance, or an umbrella policy, [the tasker] must seek compensation for losses from [their] personal insurance, prior to seeking compensation by way of the Happiness Pledge. The Happiness Pledge will only compensate for losses to the extent not otherwise covered by [their] personal insurance.”

Liability


All gig workers should be adequately covered in terms of business liability insurance in case of an accident happening while working a gig job. For those partaking in the sharing economy, you can be exposed to unknown risks. In the gig-economy, where workers are considered independent contractors and not employees, the responsibility of knowing about insurance and liability often falls on the individual looking for some extra cash doing these jobs.

All gig workers are considered independent contractors under these companies — including TaskRabbit. Therefore, whenever you are working a gig job, you are pretty much running your own business, and thus it is vital to be covered for commercial liability. Without this, all legal fees and damages involved would have to be covered out of your own personal finances.

Let’s consider some examples: What happens if a tasker, who is not considered an employee and therefore has no protections under TaskRabbit, injures themselves in your apartment during a job? If you have a homeowners or renters insurance, that injury may be covered. But if not, the liability would fall on you personally.

Moreover, if you work as a Tasker and injure someone while on the job, that would probably not be covered because a personal insurance policy does not provide bodily injury coverage while conducting a business activity. If a Tasker is injured and the client is found negligent, the client’s renters insurance policy would cover the tasker’s medical bill.

Homeowners and renters insurance doesn’t usually cover damage taken during a move. You would need a moving insurance policy for coverage over the duration of the move. You can then make any needed claims through them.

West Coast Trial Lawyers Is Here to Help


A TaskRabbit accident attorney at our firm can help you recover financial compensation for the losses you have suffered, including medical bills, property damage, lost wages, and more.

Call us today at (888) 997-4053 or email [email protected] to schedule a free consultation with our experienced, caring and compassionate legal team.