CACHET LIABILITY INSURANCE FOR SERVICES PLATFORM
INFORMATION SHEET AND SPECIAL TERMS
1. General information
1.1. Service work ordered through WiseClean Operations OÜ (hereinafter Platform) is covered by Cachet liability insurance.
1.2. Cachet liability insurance (hereinafter Insurance) means insurance coverage corresponding to the insurance contract (section 2.1 of the Information Sheet), which is valid if the service work has been ordered through the Platform and as a result of the service provider's actions, damage has been inflicted that is not covered by other insurance.
1.3. The Insurance is provided by Cachet Insurance Broker OÜ, (registration code 14920263, address Kohtu 2-21, 10130 Tallinn, e-mail [email protected], telephone + 372 668 28 34, website https://Cachet.me/ (hereinafter Insurance Broker).
1.4. The Platform is the policyholder according to the insurance contract, while also having ordered the service of the Insurance Broker.
1.5. The insured person is the service provider, who is also the policyholder's representative in the performance of the insurance contract, including the performance of obligations arising from the insurance contract, payment of the insurance premium and broker's fee, and notification of loss.
1.6. The service provider can get insurance advice from the Insurance Broker. The Platform does not provide advice on insurance and does not mediate insurance services, while being a Platform service provider and intermediary of service works. The Insurance Broker can be contacted via the contacts specified in point 1.2 of the Information Sheet.
2. Insurance protection
2.1. The insurance contract guarantees the service provider a fixed level of insurance coverage, which means that the coverage is not absolute, but applies in accordance with the insurance contract and the special conditions of the insurance coverage. The summary of the insurance coverage is on this information sheet (hereinafter the Information Sheet) and is detailed in the general insurance conditions of the insurance contract (hereinafter the Insurance Conditions), which can be found here.
2.2. Insurance protection applies to the extent in which the service provider incurs civil liability (hereinafter Liability) towards the user of the service or the owner of the object of service or the property located on it (hereinafter the User) in connection with the provision of the service and within the framework of the service provider's field of activity (economic activity). Insurance coverage does not apply if incidents, losses or their indemnification are excluded according to the insurance contract and Insurance Conditions (information about the scope of insurance coverage and exclusions can be obtained from the Insurance Broker upon request).
2.3. Damages caused unintentionally and despite due care by the service provider are covered, provided that they are unexpected and unforeseeable.
Example: Insurance cover covers a case where a cleaner accidentally kicked a television during cleaning, which fell off the TV stand.
2.4. Insurance coverage does not apply if incidents, losses or their compensation are excluded according to the insurance contract and insurance conditions (information about the scope of insurance coverage and exclusions can be obtained from the insurance broker upon request).
Example: Intentional and gross negligence are not covered by insurance coverage. Gross negligence is a situation where the person doing the work knew that such an action was likely to cause harm but did it anyway. For example, damage is not compensated if the cleaner does not lift but pushes a table with metal legs to move it. Understandably and predictably, he scratches the floor with it.
2.5. Insurance coverage applies to items that are located within the boundaries of the insured object (e.g. residence, building, apartment or other infrastructure).
2.6. The insurance coverage does not cover the loss of rented tools, vehicles, machinery and tools, or property loss or theft.
2.7. The insurance cover does not apply to claims caused by the non-provision of the service or its delay, exceeding the budget, penalties for late payment or contractual penalties, changes in prices, lack of permits, disturbances or interruptions to the heat/energy supply, and the insured person's own expenses. Insurance protection does not apply if the claim or damage should be indemnified on the basis of property insurance or another insurance (e.g. social or health insurance) (even if the limit of the relevant policy has been exceeded) or on any basis to satisfy the right of recourse of the person who paid the indemnification or the insurer.
2.8. Under no circumstances shall state or other fines, non-compliance levies, penalties for late payment, sanctions, non-patrimonial (moral) damage, loss of profit, damage resulting from the commission of an act without instructions (e.g. an act not ordered by the user), unjust enrichment, the promise of a reward, damage from the presentation of an item, as well as damage incurred before the insurance cover took effect, be covered.
2.9. Insurance indemnification is paid by the insurer if an insured event has occurred. An insured event is an event, inactivity or act covered by insurance coverage in accordance with the insurance contract and Insurance Conditions, which is not excluded and as a result of which the user and the object of service provision suffer damage based on the Liability of the service provider. Other incidents and losses are not insured events. In order to pay the insurance indemnification, the injured party must submit a certified claim at the earliest opportunity, but within 1 (one) year of the occurrence at the latest.
2.10. In no case shall the sum insured exceed the sum insured stated in the insurance contract and 25 000 euros per case. The deductible stated in the insurance contract 300 euros shall be borne by the service provider.
2.11. Losses below the excess will not be reimbursed.
2.12. No indemnification will be paid for damages that are covered by other insurance policies.
3. Special terms of insurance protection
3.1. The insurance coverage is valid while the service provider performs the service work ordered through the Platform and does not apply outside the time of the service work. More specifically, the insurance coverage comes into effect every time the service provider starts the ordered service work that was ordered from the Platform and ends exactly when the same order work ends (for example, in the case of an order from 13:00 to 16:00, the insurance coverage starts at 13:00 and ends at 16:00, valid for 3 hours). In the event of an insurance event, the Platform submits the data to the Insurance Broker and insurer, and they are taken into account when paying the insurance indemnification.
3.2. The Insurance Broker issues an insurance notice to the service provider, which indicates the period of insurance coverage, the insurance premium and broker's fee, the maximum insurance amount and the excess.
3.3. The service provider pays the Platform the part of the insurance premium and broker's fee according to the volume of work performed by them through the Platform in accordance with the insurance notification or payment notification by the term and amount specified in it, based on the time of the work performed. The Platform pays the insurance premiums to the Insurance Broker.
3.4. In order to receive the insurance indemnity, a statement and evidence of the insured event must be submitted to the Insurance Broker through Cachet.me platform. In the event of an insurance event, the Platform submits the data to the Insurance Broker and insurer, and they are taken into account when paying the insurance indemnity.