Not every task is the same, and the risks vary depending on the type of work you perform. Below, we’ve outlined some of the most popular and in-demand Tasker categories.
1. Cleaning & Organizing Taskers
Helping clients clean and organize their spaces can be physically demanding and requires attention to detail. Taskers often work under tight schedules, which can increase the risk of accidents or damages.
Key Risks for Cleaners and Organizers:
- Damage to clients’ property or belongings during cleaning or organizing up to the Customer Property Protection sublimit.
- Physical injury to your client(s) while performing tasks like lifting or using cleaning equipment.
Recommended Coverage:
- General Liability Insurance: Helps protect against loss for damages or client injuries that may occur while on the job.
- Customer Property Protection: You may want to choose to add this protection to your General Liability policy to ensure that when you cause damage to client property, it is covered up to the optional limit.
- Workers’ Compensation: If you have employees who work with you on TaskRabbit jobs, you may be required by your state to carry Workers’ Compensation insurance. This coverage can help protect you and your employees if you get sick or injured as a result of working.
2. Handymen Tasks
Handymen often work on various home maintenance tasks, from small fixes to big repairs. With such a range of skills comes a variety of risks.
Key Risks for Handymen:
- Injury resulting from work performed with heavy and powerful tools and equipment.
- Tools getting broken, lost, or stolen on the job site.
Recommended Coverage:
- General Liability Insurance: Helps to protect against accidents that can occur during handyman tasks.
- Inland Marine (Business Equipment Protection): Helps to protect handyman tools and equipment that get lost, damaged or stolen.
- Workers’ Compensation: If you don’t work alone – i.e. you have employees or subcontractors, you may need Workers’ Compensation insurance. This can helps protect you if you qualify as an employee (and any other employees you may have) if you or they get sick or injured while performing handyman duties on the job.
3. Outdoor Taskers
Outdoor tasks like landscaping, yard work, lawn care, weed removal, mulching, gardening, mowing, and other tasks could result in damage to the items or the property.
Key Risks for Outdoor Task Specialists:
- Injury to employees or clients during outdoor tasks.
- Lost, damaged or stolen tools and equipment required for outdoor tasks.
Recommended Coverage:
- General Liability Insurance: Can cover accidental injuries to non-employees that occur during the outdoor tasking job.
- Customer Property Insurance: You may want to choose to add this protection to your General Liability policy to ensure client property is covered up to the limit available for this option.
- Inland Marine (Business Equipment Protection): Helps to protect insured tools and equipment that are lost, damaged, or stolen.
4. Smart Home Installation Specialists
Installing smart home gadgets like cameras, locks, and thermostats increasingly requires specialized skills. These tasks also pose unique risks.
Key Risks for Smart Home Installers:
- Equipment or tools that can get lost, stolen, or broken.
- Injury to the tasker installing or to the client/homeowner.
Recommended Coverage:
- General Liability Insurance: Helps protect against third-party injuries or property damage with added Customer Property Protection coverage.
- Inland Marine (Business Equipment Protection): Helps to protect your tools and equipment if they get lost, damaged, or stolen.
5. Personal Taskers
Tasks like personal assistance, personal chef, personal shoppers, personal trainers, and even business consulting tasks are often overlooked as needing insurance, but risks are plentiful for these taskers, too.
Key Risks for Personal Tasks:
- Physical damage to equipment or tools during personal tasking.
- Injury to you or your client while performing your task.
Recommended Coverage:
- General Liability Insurance: Helps protect against third-party injuries. Help protect your business from losses related to property damage to third party property. Add coverage for some damage to projects on which you are working with optional Customer Property Protection coverage.
- Workers’ Compensation: If you qualify as an employee of your own small business, or you have employees who work with you on TaskRabbit task jobs, you may want to consider Workers’ Compensation insurance to help protect you as an employee (and any other employees you may have) if you get sick or injured while working. In addition, it may even be required by your state.
