AntWorker Insurance covers the Worker for their liability to third parties for personal injury or property damage whilst performing certain work activities
AntWorker Insurance is provided by Merrit Insurance (Pty) Ltd, one of the South Africa's innovative and advanced insurance brands.
Nothing in this document is intended to be general or personal advice. Furthermore, it is declared and acknowledged that nothing in this summary should be construed as an express or implied condition, term, or exclusion that constitutes part of the Insurer Policy terms and conditions or that may be relied on in the case of a Claim. Please contact AntWorker for access to the Certificate of Currency and/or Insurance Policy Schedule and/or Policy Wording for precise coverage, terms, restrictions, and exclusions provided by the Insurer in the case of an incident, occurrence, or Claim.
Please also keep in mind that each Claim is subject to an Excess due by the Worker; complete information of the Policy, its coverage and exclusions, as well as the applicable excess, are available upon request by the Worker.
AntWorker Insurance is a third-party liability policy that covers Workers registered in the AntWorker marketplace for their liability to third parties for personal injury or property damage while performing activities (not otherwise excluded) during a task on AntWorker up to R10 million (to the equivalent value of R10 million in your local currency). To be eligible for this Insurance Policy, jobs must have been booked, allocated, and completed on the AntWorker marketplace.
AntWorker Insurance does not provide coverage for all actions or activities. For further details, please see the list of prohibited acts.
The liability insurance is based on claims made and notified, which means that the policy limits, terms, and conditions that apply to a notified claim are those of the current policy period when the claim is notified, not when the claim happens (if outside the current policy period). These may differ from the liability insurance terms and conditions in effect when the work contract was signed if the policy duration was also different. Claims must be filed within 30 calendar days of the occurrence date.
All coverage is subject to the terms and conditions of the policy, and there are exclusions.
Some jobs or actions are not covered by the policy. Please see the list of prohibited activities for further information on which actions are prohibited.
Individuals who do not have an AntWorker account are not protected by the insurance coverage. Please confirm that the individual who completes your work is registered on AntWorker and is the person to whom your assignment has been given.
To be qualified for coverage, tasks must be completed and paid for through the AntWorker platform, according to insurance terms and conditions. Any work paid for in a different way (including cash in hand) will not be covered.
Claims resulting from task subcontracting will not be covered by the insurer.
The insurance only covers a Worker’s responsibility for property damage or injury caused by activities (unless expressly excluded) and does not cover faulty workmanship. Before accepting an offer, Job Posters should inquire with the Worker about their workmanship standards and any insurance coverage.
The coverage does not cover criminal activity, malicious or deliberate damage. Please notify the police and AntWorker Support as soon as possible if this occurs.
The coverage does not cover personal injury or damage to the Worker’s property and should not be used in place of workers compensation, salary protection, or other comparable forms of insurance.
AntWorker maintains an Insurance Policy, which is a third-party liability policy that insures Workers registered in the AntWorker marketplace for their liability to third parties for personal injury or property damage while performing activities (not otherwise excluded) during a task and within policy terms and conditions.
If a Worker is liable for injury or property damage to a Job Poster or someone else as a result of performing activities (not otherwise excluded), AntWorker Insurance can assist cover the Worker’s liabilities. For more information about how AntWorker’s Insurance Policy works for Job Posters, please visit the Help Centre.
Workers are largely accountable for the job they accomplish under a Task Contract and may be held liable for the consequences of their actions while completing a task.
AntWorker Insurance is designed to protect the Worker’s obligation to the Job Poster or anybody else for bodily harm or property damage. For additional information on how AntWorker’s Insurance Policy works for Workers, please visit the Help Centre.
The AntWorker Insurance insurance covers all accomplished tasks, subject to the excluded activities list and all other insurance terms and restrictions.
All claims made under the insurance and covered by the policy are subject to an excess payable by the Worker.
Worker are recommended to get informed with the appropriate excess for any real or suspected requests for compensation made against them. For additional information about excesses, please visit the Help Centre.
The coverage does not cover bodily harm to a Worker and should not be used in place of workers compensation, salary protection, or other comparable insurance. The coverage also excludes any damage to a Worker’s property.
Please contact us if you have any concerns regarding this policy or how it may effect you, or if you want to file a claim.
(*) Merrit Pty Ltd, Corporate Authorised Representative of Merrit Insurance Pty Ltd (Financial Services Provider FSP 000000), contributed the content.
