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:
- 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.
- 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
- 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.”