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Please can someone explain to me about TaskRabbit Insurance policy type?

I would like to find out how TaskRabbit or Airtasker is done, whether the 1,000,000 dollars Insurance policy is paid upfront to policy holders.

I would also be glad if anyone can advice me as to how to negotiate for better insurance policy without breaking the banks as a startup.

I don't mind which ever country I am getting the advice from but I will learn from the advice and see how I can apply it to my situation in Ghana.

Thanks

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