Resources for Helpers: General Liability Insurance

As independent business owners, users of the Taskrabbit Delivery Platform who are registered as Helpers and Hands are free to set their own hours, choose their own jobs, and are their own boss. This freedom also means that Helpers and Hands are responsible for taking charge of their own business risk management and health security. 

We’ve compiled this resource on General Liability Insurance to assist Helpers and Hands who may be considering purchasing this sort of insurance for their business.

What is General Liability Insurance?

General liability insurance, sometimes called commercial general liability or business liability insurance, is a type of coverage that protects businesses from claims made by a third party (like a client). It can help cover the costs associated with accidents, injuries, and property damage that may occur during the normal course of business operations.

What Does General Liability Insurance Typically Cover?

A general liability policy typically covers costs related to third-party claims up to the policy's limit, including:

• Bodily Injury: Medical bills and legal fees if a client or another third party is injured. 
• Property Damage: Damage that business activities accidentally cause to someone else's property. 
• Defense Costs: Legal fees, settlements, and court costs in the case of a lawsuit related to a covered claim.

How to Get a Quote and Purchase a Policy

General liability insurance is widely available from most major commercial insurance providers. To begin exploring options, Helpers and Hands may consider:

• Contacting a Licensed Insurance Agent: An independent insurance agent specializes in helping individuals and businesses find the right coverage. They can compare quotes from multiple providers and help explain the nuances of different policies.
• Directly Contacting Insurers or Online Brokerages: The websites of many commercial insurance companies and online brokers who specialize in small business and independent contractor insurance provide quotes and policy acquisition.