Airtasker Insurance

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Airtasker Insurance covers the Tasker for their liability to third parties for personal injury or property damage whilst performing certain task activities

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Important Notice: Insurance described hereunder is held by Airtasker USA Inc., and applies only to claims against this entity, and its Taskers where permitted, under the terms and conditions of coverage. Insurance coverage only applies for activities rendered within the United States of America.

Airtasker Insurance including Terms & Conditions have been updated as of June 30th, 2023.

Please note this is a summary of the Airtasker USA Inc’s third-party liability insurance policy ONLY. Nothing contained in this summary should be understood to be an express or implied condition, term or exclusion. The Insurer's Policy wording must be referred to as a whole document to understand the terms and conditions to be relied upon in the event of a Claim. Please contact Airtasker for information as to the specific coverage, terms, conditions and exclusions afforded by the Insurer in the event of a Claim.

Airtasker Insurance Coverage

What is covered?

  • Airtasker USA Inc holds a commercial general liability (“CGL”) for activities conducted via Airtasker’s marketplace.
  • The CGL policy is designed to respond to third party bodily injury or property damage liability claims according to the following limits:
    The limits of insurance, subject to all the terms of this Policy that apply, are:

    • BODILY INJURY AND PROPERTY DAMAGE:
      Each Occurrence Limit: $1,000,000, including:
      Damage to Premises Rented to You Limit – Any One Person or Organization: $50,000
    • PERSONAL AND ADVERTISING INJURY LIABILITY:
      Personal and Advertising Injury Limit – Any One Person or Organization: $1,000,000
    • MEDICAL PAYMENTS:
      Medical Expense Limit – Any One Person: $5,000

    All coverage sections are limited to the below aggregate policy limits for all claims:
    General Aggregate Limit (other than Products-Completed Operations): $2,000,000
    Products-Completed Operations Aggregate Limit: $2,000,000

  • The policy is written in the name of Airtasker USA Inc and is designed to protect Airtasker USA Inc for CGL claims it gets pulled into arising from Tasker activities conducted through the Airtasker platform only.
  • While the policy has been extended to provide coverage for taskers, it is important to note that coverage provided to taskers is limited as below:
    • There is a platform Tasker sublimit of $25,000 per occurrence, $50,000 per tasker, $1,000,000 in aggregate, subject to the terms and conditions of the policy
    • There is a $10,000 deductible applicable to each and every claim.
  • We recommend that taskers obtain their own legal and insurance advice and consider placing their own insurance policies to properly protect themselves from legal liability claims.

What isn’t covered?

  • The policy has a range of endorsements and exclusions that limit coverage.
  • Coverage does not apply to Off-Application services (i.e., work outside the Airtasker platform), or Cross-Suits (i.e., claims between Airtasker and taskers).
  • Individuals that are not registered on Airtasker are not covered under the insurance policy. Please ensure the person that completes the task for you is registered on Airtasker and he or she is the person that your task is assigned to.
  • Tasks must be completed and paid via the Airtasker platform to be eligible for the coverage subject to insurance terms and conditions. Any tasks paid via alternative means (including cash in hand) will not be covered.
  • Insurance only provides cover for a Tasker’s liability for property damage or injury arising from activities that are not otherwise excluded under this policy.
  • Criminal activities, malicious or intentional damage, assault and battery, physical altercation and abuse or molestation are not covered by the policy. If this occurs, please report this activity to the police and contact Airtasker as soon as possible.
  • The policy does not cover bodily injury to, or damage to property belonging to the Tasker, and is not a replacement for workers compensation, salary protection or other similar types of insurance.

Insurance FAQ’s

What is Airtasker Insurance?

Airtasker Insurance is a third-party liability policy that insures Taskers registered in the Airtasker marketplace for their liability to third parties for bodily injury or property damage whilst performing activities during a task and within policy terms and conditions.

How does Airtasker Insurance work for Job Posters?

If a Tasker is liable for injury to, or damage to property of, a Job Poster or someone else whilst performing activities, Airtasker should be contacted to see if assistance can be provided in defending the liability claim and costs associated with the claim.

How does Airtasker Insurance work for Taskers?

Taskers are responsible for all work carried out under a Task Contract and may be liable for consequences that result from their activities when performing a task. Airtasker’s Insurance is intended to cover Airtasker’s liability to the Job Poster (if/when applicable), and provides limited coverage for the Tasker as follows:

  • There is a platform Tasker sublimit of $25,000 per occurrence, $50,000 per tasker, $1,000,000 in aggregate, subject to the terms and conditions of the policy.
  • There is a $10,000 deductible applicable to each and every claim.

Are all tasks covered under Airtasker Insurance?

Airtasker Insurance provides cover to all tasks completed subject to the insurer's policy terms, conditions and policy exclusions.

Do excesses apply and who pays the excess?

All claims made under the insurance and for which the policy responds are subject to a $10,000 deductible that is payable by the Tasker. This means that while Airtasker’s insurers will work to defend and settle general liability legal disputes within the terms and conditions of the policy, you will be responsible for the first $10,000 of any claim. Taskers are encouraged to familiarize themselves with the applicable deductible that applies for any actual or alleged demands for compensation against them and consider whether they need to obtain their own liability coverage for work they performed on the Airtasker platform.

What happens if the Tasker gets injured whilst completing the task?

The policy does not cover bodily injury to Taskers or any subcontractors and should not be considered a replacement for workers compensation, salary protection or other similar types of insurance. The policy also does not cover any damage to property of a Tasker or a subcontractor. All taskers should seek their own legal and insurance advice to properly protect themselves for injury and loss while engaging work from Airtasker’s marketplace.

How do I make a claim?

In the event of a claim, please contact Airtasker. When reporting the claim, please provide the following information:

  • Include your name and contact information (email, phone, address)
  • Please detail which Airtasker task the claim relates to
  • Detailed description of the event/claim
  • Photos/proof of injury or property damage

If you have any questions about this policy or how it will affect you, please contact us.