Insurance for TaskRabbit Taskers

Get an insurance policy by the job, day or month and get moving.

TaskRabbit makes it easy to connect skilled individuals with those who need tasks completed. From plumbing to cleaning to landscaping, TaskRabbit taskers bring convenience to customers’ doorsteps. However, with opportunity comes risk, and having the right insurance is essential to protect your business and your reputation.

At Thimble, we offer flexible, affordable business insurance designed specifically for small business owners and independent contractors like TaskRabbit taskers. Here’s everything you need to know about protecting your tasks and yourself.

Why Do TaskRabbit Taskers Need Insurance?

While TaskRabbit connects you with clients, TaskRabbit does not offer insurance for taskers or customers. This leaves taskers personally responsible for damages, accidents, or injuries that may occur while performing your tasks. Without coverage, one small mistake could lead to significant financial losses.

Whether you’re completing a small one-time task like painting, organizing, or hanging Christmas lights, or you’re performing an ongoing service like landscaping, plumbing, or cleaning, having appropriate insurance safeguards your business. Insurance not only provides peace of mind but also demonstrates professionalism to potential clients.

Common Risks TaskRabbit Taskers Face

Taskers face a wide variety of risks, from bodily injury to stolen equipment and everything in between! With such a wide variety of tasks being performed in various residences and commercial properties across the country, how can taskers properly prepare and get a policy that matches their specific risks?

Taskers should consider all risks for the job types and their specialty. For example, are your tasks prone to bodily injury (to yourself, to your client, or to your employes)? What about damage to a premises (whether that’s a venue or your client’s house)? Do you use tools or equipment? Could it get lost, stolen or broken?

With so many variables at play, it’s critical to have customized insurance that matches your needs.

Types of Taskers and Their Insurance Needs

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.

How Thimble Supports TaskRabbit Taskers

At Thimble, we understand that taskers value flexibility and customized policies. That’s why we offer on-demand insurance that fits your business model, and you only pay for exactly what you need.

What Makes Thimble Right for Taskers?

Flexible Coverage: Start, pause, or cancel coverage at any time. Choose coverage by job, day, month or year, and only pay for what you need.
Affordable Rates: We provide plans designed for small businesses with limited budgets. Pay for a full year, go month-to-month, or only pay for coverage for your next job!
Easy Access: Purchase coverage online in minutes. No lengthy forms or unnecessary phone calls required. Proof of insurance is provided quickly, and accessible right from your mobile phone in our app.
Specific Coverage Options: Customize your policy to your specific needs. Add tools, additional insureds, and/or equipment coverage, pick your limits and add-ons that address your unique needs.

Small Business Insurance Options for Taskers

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General Liability Insurance

Can pay to provide an investigation and defense of claims, along with paying for damages, if you’re held responsible for things like Bodily injury, Property damage, Personal and Advertising injury

Business Equipment Insurance

Can cover tools and equipment essential to your work.

Commercial Property Insurance

Can help protect your business’s physical assets, like offices, equipment, or inventory, from damage or loss.

Workers’ Compensation Insurance

Helps cover medical expenses and lost wages for employees who experience work-related illness or injuries on the job.

Cyber Insurance

Can help safeguard your business against financial losses from data breaches, hacking, or other cyber threats.

How to Get Started with Thimble

Getting insured is quick and hassle-free when you choose Thimble. Follow these simple steps to get covered today:

Get a Quote: Starting with your zip code, tell us about your task-based business.
Choose Your Policy: Select coverage duration and limits that suit your needs.
Purchase and Go: Get proof of insurance right in the palm of your hand in the form of a Certificate of Insurance (or COI) and download or access it as needed.

Stay Protected and Confident as a Tasker

TaskRabbit taskers are the backbone of countless households and small projects. Whether you’re tackling a weekend organizational project or offering professional handyman services, having insurance allows you to focus on what matters most: getting the job done well. Protect your business today with Thimble and keep moving forward with confidence.

Quick-thinking insurance for fast-moving businesses.

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