'Airtasking' is a great way to work your own hours, but what happens if an accident happens on the job?
Airtasker is an online community marketplace where people and businesses can sign up for jobs or hire flexible staff in a matter of minutes. It’s an innovative startup that’s disrupting the casual employment scene in Australia, but what happens if an Airtasker is injured on the job?
What types of insurance should Airtaskers consider?
As an Airtasker, you are exposed to the same kinds of risks as any person who works for themselves. You could be involved in an accident that leaves you injured or disabled, you could find yourself unable to work due to injury or illness, or you could be sued by someone who claims your incompetence or negligence caused them to suffer a loss.
So, just like any sole trader, it could be a good idea to cover yourself with the following types of insurance:
|Insurance||Main risk covered||Details|
|Damage or injury to third parties|
|Illness and injury|
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Does Airtasker offer any insurance themselves?
You can purchase all three types of cover directly through Airtasker, which uses CGU Insurance to underwrite its policies.
Cover of up to $10 million for liability to third parties if you injure them or damage their property while performing an Airtasker activity. Covered activities include approved tasks within the home help, handyman, moving, business, tutoring, beauty, health, food and entertaining services.
Personal accident insurance
Provides a lump sum of up to $100,000 for permanent injuries resulting from an accident on the job or while commuting to or from the job. These range from 100% of the benefit for death, disablement, paralysis, insanity, loss of sight in one or both eyes and loss of use of one or two limbs down to smaller percentages paid for losing the use of fingers or toes.
A lump sum payment of up to $6,000 is also paid for accidentally broken bones, ranging from 100% of the benefit for a complete fracture of the neck, spine or skull down to 10% per fractured finger, thumb or toe.
Provides an ongoing benefit in lieu of income while you’re injured and unable to work. You can choose the type of cover and benefit paid to suit your task activity, with a choice of:
- While You Work Cover. Pays a benefit for lost income due to an injury you receive while completing an Airtasker job.
- 24/7 Cover. Provides cover 24 hours a day, 7 days a week for losses that result from an injury sustained while working for Airtasker or for other nominated platforms.
The amount of benefit paid depends on your income, which is based on your average earnings over the 10-week period prior to your injury. Or if you have been working less than 10 weeks, your income is averaged over the total time since you started working with Airtasker.
The exclusions that apply to Airtasker’s personal accident insurance also apply to their income protection policy, both of which are issued by Roobyx.
Should I get cover through Airtasker or look for my own?
The advantage of taking out insurance through Airtasker is that you have all your cover in one place and it’s specifically tailored for Airtaskers. You also have the advantage of flexible “pay as you go” premiums, which fluctuate along with your income.
One possible downside is that you are only covered while performing Airtasker jobs. To overcome this you could opt for their 24/7 Cover, which covers you when working for other nominated platforms as well, or take out accident and income protection insurance with another insurer.
But if your primary source of income is through Airtasker then, providing you only perform tasks that are approved in your policy, you will have peace of mind knowing that you are fully covered against injury, loss of income and legal liability every time you go to work.
Picture: Annie Gray-Unsplash