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Insurance Policy

How ServQ protects our workers and your property on every service.

Policy Type: Labour / Worker Insurance Coverage: All ServQ-registered workers Effective: From date of worker onboarding
Our Commitment to Workers: Every ServQ-registered professional is covered under our Labour Insurance Policy from the moment they begin an assigned job. This ensures that workers are protected against on-site accidents, injuries, and related medical expenses — at no cost to the worker.

1. What This Policy Covers

The Labour Insurance Policy provides financial and medical protection for all Aadhaar-verified workers registered with ServQ. Coverage applies during any active service assignment booked through the ServQ platform.

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Medical Expenses

Costs for emergency treatment, hospitalisation, and first-aid arising from a work-related accident or injury on-site.

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Accidental Injury

Compensation for physical injuries sustained while performing an assigned service task, including slips, falls, and tool-related incidents.

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Legal Liability

Protection against third-party claims arising from accidental bodily harm caused by the worker during service execution.

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Temporary Disability

Support for workers temporarily unable to work due to a service-related injury, subject to assessment and documentation.

2. Eligibility

  • All workers must be Aadhaar-verified and onboarded through the official ServQ registration process.
  • Coverage is active only for services booked and dispatched through the ServQ platform — not for independent jobs arranged outside the platform.
  • Workers must report any incident to ServQ immediately during or after the assignment.

3. What Is NOT Covered

  • Injuries sustained outside of an active ServQ assignment.
  • Incidents caused by the worker's gross negligence, recklessness, or wilful misconduct.
  • Pre-existing medical conditions not related to a work-site incident.
  • Damage or injuries caused while performing tasks outside the agreed scope of service.
  • Workers operating under the influence of alcohol, narcotics, or unprescribed substances.
  • Jobs not booked through the ServQ platform (off-platform arrangements).

4. How Workers Can Raise a Claim

  1. Report Immediately

    Inform ServQ of the incident as soon as possible — during or within 24 hours of the assignment. Call or WhatsApp: +91 94146 56262.

  2. Document the Incident

    Provide photos of the injury or incident site, and details of the assignment (booking ID, customer address, time of incident).

  3. Medical Attention First

    Seek immediate medical care if required. ServQ will facilitate emergency contact and support during the claim process.

  4. Claims Assessment

    ServQ will review the claim within 72 hours and coordinate with the insurance partner for resolution.

  5. Resolution & Support

    Medical reimbursement or compensation is processed once the claim is verified and approved.

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For Workers

This insurance is provided by ServQ as part of our commitment to worker welfare. There is no premium or deduction from your earnings. Simply ensure you are registered, Aadhaar-verified, and always accept and complete jobs through the official platform.

5. Contact for Labour Insurance Claims

Policy Type: Customer Damage Protection Coverage: All customers booking via ServQ Effective: From date of confirmed booking
Your Property, Protected: When you book a service through ServQ, your home and belongings are covered under our Customer Damage Protection policy. If a ServQ-verified professional accidentally damages your property during the course of the service, we take full responsibility for assessment and fair resolution.

1. What This Policy Covers

Customer Damage Protection covers accidental property damage caused directly by a ServQ-dispatched professional while performing the booked service. Coverage applies to the specific service session only.

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Accidental Property Damage

Breakage of furniture, fixtures, fittings, glass, tiles, or other household items caused by the worker during service.

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Damage to Valuables

Accidental damage to electronics, artwork, or personal belongings caused while performing the agreed service task.

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Water / Electrical Damage

Damage caused by accidental water leaks or electrical faults introduced by the worker during a plumbing, electrical, or AC repair job.

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Staining & Surface Damage

Paint spills, chemical staining, or surface scratches caused by the professional's equipment or materials during service.

2. Coverage Limits

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Standard Coverage

Damage claims are assessed on a case-by-case basis. Compensation is generally up to the value of the service fee paid for the session in which the damage occurred. For higher-value items, ServQ will mediate and facilitate a fair settlement between the customer and the professional.

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High-Value Items

Customers are advised to inform ServQ of any high-value items in the work area before the service begins. Claims for items valued above ₹10,000 will require additional documentation (purchase receipt, photos) and may take up to 7 working days to process.

3. What Is NOT Covered

  • Damage reported more than 12 hours after service completion.
  • Pre-existing damage or defects present before the service began.
  • Damage caused by customer-supplied materials, parts, or customer instructions to deviate from standard procedure.
  • Normal wear and tear or expected outcomes of the service (e.g., minor surface scuffs from cleaning equipment).
  • Damage resulting from the customer's failure to prepare the work area as advised.
  • Consequential or indirect losses (e.g., business loss, loss of use of equipment).
  • Theft or mysterious disappearance of items — only accidental physical damage is covered.
  • Damage caused by force majeure events (floods, earthquakes, power surges, etc.).
  • Items not disclosed before service commencement that were placed in the work area without ServQ's knowledge.

4. How to Raise a Damage Claim

  1. Report Before the Worker Leaves

    Identify and report any visible damage immediately — ideally before the professional departs. This strengthens your claim significantly.

  2. Document Everything

    Take clear photographs or a short video of the damage. Note the time, the type of service performed, and a description of what happened.

  3. Contact ServQ Within 12 Hours

    WhatsApp us at +91 94146 56262 or email support@servq.in with your booking details (name, phone number, service date) and the damage photos.

  4. ServQ Reviews Your Claim

    Our team will assess the claim and revert within 48 hours with next steps. We may request additional information or a video call inspection.

  5. Resolution

    Once verified, ServQ will offer repair, replacement, or monetary compensation depending on the nature and extent of the damage — at our discretion and in line with this policy.

5. Customer Responsibilities

  • Secure or remove fragile, high-value, or irreplaceable items from the work area before the service begins.
  • Inform the professional and ServQ in advance of any special requirements or vulnerable areas in your property.
  • Be present or appoint a responsible adult to oversee the service and identify any issues in real time.
  • Do not tamper with the damaged area before ServQ has completed its inspection, as this may affect the claim outcome.

6. Contact for Damage Claims

Beyond the formal damage protection, we offer a 100% Satisfaction Commitment. If you are not happy with any service for reasons within our control, contact us within 24 hours of completion. We will do everything reasonable to make it right — including a re-service, partial refund, or account credit. Your satisfaction is our priority.