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Everything you need to know about insurance as a gig worker

The gig economy is starting to establish a new era when it comes to working relations. What does this mean? That sometimes gig workers fall into a grey area zone that has not yet been charted. Especially when it comes to being insured while on the job.

For example…

What happens if you are delivering food and you get in an accident? What if you cause damage to a place while cleaning it? And what if a pet you are looking after gets injured or lost? All these are plausible concerns on your part but you don’t need to stress too much. You just need to be well informed. There are solutions out there and we are here to guide you through them!

Select your city & start working TODAY as a part-time as a driver, deliverer, cleaner, babysitter, pet sitter, host, cook, freelancer and much more!

Insurance for drive and delivery partners

drive insurance

Some driving platforms, like Lyft, do offer insurance, though they require that you also maintain a personal insurance as well. The main thing to remember is that when you are not online, you are covered only by your personal insurance and there is a different coverage for when you have the app on, waiting to be hailed, and for when you actually have a passenger on board. Make sure you understand all the details about what each company offers insurance-wise to avoid any surprises.

It is a similar case with the delivery platform DoorDash. It provides you access to auto insurance which is active only when you are delivering and which only applies to damages you cause to third parties. When it comes to Foodora, you should handle your insurance by yourself and investigate together with your insurance company ways that they can cover you.

Select your city & start working TODAY as a part-time as a driver, deliverer, cleaner, babysitter, pet sitter, host, cook, freelancer and much more!

drive insurance

Insurance overview by Lyft.
Photo: courtesy of Lyft.

Insurance for cleaners and housekeepers

cleaning-insurance

What if you take up jobs that require that you clean and take care of other people’s places? Any damage might occur at any time, no matter how cautious and responsible you are. Usually, platforms like Care.com or Housekeeper don’t offer insurance. Such platforms advise independent cleaners and housekeepers to make sure they are covered by a general liability insurance provider. Others, like TidayApp, offer a minimum insurance when little damages happen, for example, broken glasses. So, again, we recommend that you read through each company’s insurance policies to make sure what to expect.

Select your city & start working TODAY as a part-time as a driver, deliverer, cleaner, babysitter, pet sitter, host, cook, freelancer and much more!

Insurance for pet sitters

dog-insurance

How about when you have adorable pets under your supervision? It might give you pure joy, but it also might stress you out a bit – what if something happens to the pet under your watch, or what if the pet causes some kind of damage? Well, platforms like [Care.com] and [Rover] have thought about this and offer insurance packages that cover you, so don’t sweat!

Care.com prompts you to contact their insurance provider to learn all the details about their pet care insurance program policy, but, in general, it covers general liability and the well being of the animal while in your care. Rover offers the Rover Guarantee, which covers every stay and every walk booked via the app – eventual injuries to the pet, injuries to your pet caused by a hosted pet, physical damage to a pet owner’s personal property and offers liability for injury to certain third parties. There are exceptions, of course, so make sure you get informed about every detail.

rover-insurance
Photo: courtesy of Rover.

You should also know that you can get pet care insurance from an insurance company, like PetSitter advises. And if you ever doubt that you will need insurance while pet sitting, just think that it will make you look more professional and responsible to your clients, possibly bringing you even more money, thus totally worth the investment!

Select your city & start working TODAY as a part-time as a driver, deliverer, cleaner, babysitter, pet sitter, host, cook, freelancer and much more!

In conclusion…

The gig economy may sometimes feel like you are walking in unmarked territory, unable to take sure steps, with all kinds of questions rising, like the very important matter of insurance policies. But you have AppJobs on your side. Follow us for all the latest news and updates on insurance policies and other important topics for gig workers!

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Paulina Bajorowicz joined Appjobs in November 2018 and she is now the Content Marketing Specialist. She manages Appjobs blog and social media channels, coordinates outreach activities and cooperates with journalists and content creators around the gig economy.