Are TaskRabbit Taskers Insured?

TaskRabbit does not insure or provide coverage for any losses incurred by its users. However, TaskRabbit wants its users to be satisfied with their experience, therefore the Happiness Pledge was created to encourage users to keep using the TaskRabbit Platform.

Are taskers insured?

On-demand work is the most common gig in the sharing economy, behind ridesharing, home sharing, and automobile sharing.

TaskRabbit is an online marketplace that may be accessed from a computer or a mobile device. It connects freelance labor with local demand, allowing customers to obtain instant help with jobs like yard cleanup and handyman maintenance. It basically connects users, known as taskers, with paying gigs. TaskRabbit was bought by the IKEA Group in September 2017.

Taskers choose this platform because it allows them to identify things they want to accomplish at their own prices and on their own time. Taskers are paid an hourly wage plus tips, minus a service fee. Handyman work, moving, and cleaning are currently the most paying jobs.

Insurance Policy

As the number of freelance employment grows, it’s more vital than ever for gig workers to understand what kind of insurance they need.

According to their website, TaskRabbit does not provide insurance for any losses incurred by users, which includes anyone who uses their platform. Instead, they link to the TaskRabbit Happiness Pledge, which states: “Depending on the circumstances of the occurrence, the Happiness Pledge may be available to aid with property damage, theft, or personal injury encountered while performing a job.” They mention on the commitment that they are not liable for a user’s activities.

If the users are unable to reach an agreement among themselves, TaskRabbit may provide the following services:

  • Property damage produced by a careless tasker while fulfilling a duty through the platform is subject to a maximum of $10,000 per occurrence.
  • A maximum of $10,000 per occurrence for bodily injury caused by the platform to a user who was not at fault for the accident while performing a task.
  • For theft of a user’s property committed by a tasker while executing a duty through the platform, a tasker can be fined up to $10,000 per occurrence.

The TaskRabbit Happiness Pledge does not cover any property damage, bodily harm, theft, or other damages resulting from a variety of losses, including but not limited to:

It’s vital to note that the TaskRabbit Happiness Pledge isn’t insurance.

There is no insured or third-party beneficiary among users or third parties.

“Ifinsurance that would coverin the event of a claim, including but not limited to renter’s insurance, homeowner’s insurance, medical insurance, or an umbrella policy, must seek compensation for losses from personal insurance, before seeking compensation through the Happiness Pledge,” they state on their website. The Happiness Pledge will only compensate you for losses that aren’t covered by your own insurance.”


Every gig worker should be insured by business liability insurance in the event that they are involved in an accident on the job. Those who participate in the sharing economy may be exposed to unknown dangers. In the gig economy, where workers are classified as independent contractors rather than employees, the burden of understanding about insurance and liability typically rests on the person looking for extra cash.

Under these companies, all gig workers, including TaskRabbit, are considered independent contractors. As a result, whenever you work a gig job, you are effectively running your own business. This is why commercial liability insurance is so vital. Any legal fees and damages would have to be paid out of your own pocket if you didn’t have this insurance.

Consider the following examples: If a tasker injures themselves on your property while on the job and is not designated as an employee and has no protection under TaskRabbit, you may be reimbursed – but only if you have homes or renters insurance. You will be held accountable for damages if you do not comply.

Furthermore, if you work as a tasker and damage someone on the job, your insurance would most likely not cover you. While performing work-related responsibilities, a personal insurance policy does not provide coverage for bodily injury. If a tasker is hurt as a result of the client’s negligence, the tasker’s medical bills will be covered by the client’s renters insurance policy.

Damage sustained during a move is usually not covered by homeowner’s or renter’s insurance. A moving insurance policy would be required to protect you for the duration of the move. You can then use them to make any necessary claims.

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Do people on TaskRabbit have insurance?

TaskRabbit is not responsible for the actions or omissions of Users, and TaskRabbit does not provide insurance to cover losses incurred by Users. For Theft of a User’s property by a Tasker while doing a Task on the TaskRabbit Platform, clients can be fined up to $10,000 per occurrence.

Is TaskRabbit safe for taskers?

TaskRabbit is dedicated to providing amazing and secure experiences. We take the security of all user information very seriously, and any sensitive information submitted while posting a task or enrolling as a Tasker is treated with care, as detailed in our Privacy Policy.

Do TaskRabbit movers have insurance?

It’s not going to hurt! Despite the fact that our Taskers are trained and ready to manage office relocation of any size, we urge that you consider insurance before scheduling your move. Larger, high-risk enterprises, particularly those with stock, inventory, or rare collections, will almost certainly benefit from insurance.

Many of our Taskers are covered by insurance. Chat with a commercial mover on Task Rabbit or in the app to check whether they carry insurance or if they advocate getting insurance prior to your move.

Do taskers need insurance?

TaskRabbit does not insure or provide coverage for any losses incurred by its users. However, TaskRabbit wants its users to be satisfied with their experience, therefore the Happiness Pledge was created to encourage users to keep using the TaskRabbit Platform.

Can I sue TaskRabbit?

Taskrabbit was created in 2008 and was estimated to be worth over $150 million in 2012. As of July 2015, it had raised more than $38 million in funding. The San Francisco-based firm is believed to have over 50 full-time workers and over 50,000 ‘taskers,’ or independent contractors, who have joined up to take job assignments. The company employs a downloadable mobile phone software that connects consumers who need little jobs completed with others who are prepared to do so for a fee. TaskRabbit is said to demand taskers to wear uniforms, use the TaskRabbit app entirely for scheduling, talking, and booking assignments, and utilize the tasker calendar to keep track of their availability and schedule.

A variety of characteristics usually decide whether a worker is an employee or an independent contractor. If the corporation has control or the right to control the worker in terms of the job being done and the method the work is conducted, this is one aspect to consider when determining whether the individual is an employee or an independent contractor. Other elements that may play a role include:

  • If the individual hired accomplishes job that isn’t the same as the principal’s,
  • If the worker or the company provides the necessary equipment, tools, and workspace,
  • The claimed worker’s investment in the equipment or materials needed for his or her job, as well as his or her hiring of assistants
  • If a specific type of task is normally completed according to the employer’s regulations or by a specialist without assistance,
  • The alleged employee’s profit or loss potential is determined by his or her managerial competence.
  • Whether the work is compensated by the hour or by the job More information on recent court judgements in independent contractor lawsuits can be found here.

Do you need a business license for TaskRabbit?

While California law mandates that Taskers obtain a business license for the categories in which they work, TaskRabbit does not collect these licenses. You’ll be asked to confirm that you hold any relevant business licenses in the app while generating your Work Area map in California.

Can felons use TaskRabbit?

Yes, TaskRabbit conducts background checks on all applicants from the United States. To help with this, everyone applying to be a Tasker in the United States must supply their Social Security Number (SSN) at the time of registration. The background check business for TaskRabbit then verifies the applicant’s identity and runs a background check report using the SSN and the applicant’s full legal name and date of birth. As part of the background check, TaskRabbit uses data from national, municipal, and sex offender registries.

In the help section of TaskRabbit’s website, you’ll find an overview of your rights under the Fair Credit Reporting Act (FCRA). These rights include the right to know if background check information has been utilized against you, the right to know what was in the background check report, and the right to dispute faulty or outdated information.

Unless the annual compensation for the position the applicant is seeking exceeds $75,000, federal law eliminates information regarding arrests that occurred more than seven years ago from background check reports. Conviction records do not have a temporal limit.

Finally, because TaskRabbit uses a third-party background check provider, it must first obtain your written authorization.