1. Purpose and scope
1.1 Domesty provides platform-level insurance to increase trust and safety for tasks posted, accepted, performed, and paid through the Domesty platform.
1.2 This policy governs eligibility, cover types, activation conditions, claims, exclusions, user obligations, and governance for insured tasks.
1.3 The policy applies to in-person services and specified remote services delivered within the territorial limits stated in the Schedule. Nigeria is the initial territory. Additional territories, including the United Kingdom, may be added under separate schedules and endorsements.
2. Parties and status
2.1 Insurer: Cornerstone Insurance PLC, authorised and regulated by NAICOM.
2.2 Policyholder/Insured: Domesty Technologies Ltd and the insured persons or activities endorsed in the Schedule.
2.3 Marketplace participants: customers and service providers using Domesty. Coverage extends to these parties only as expressly stated under the relevant sections and endorsements.
3. Definitions
3.1 Approved task means a task that is created, accepted, completed, and paid for through Domesty, within an approved category and with insurance active.
3.2 Care, custody, or control means customer property temporarily entrusted to a provider for the performance of an approved task.
3.3 Insurance active means either automatic activation under an active Domesty Pro subscription or a successfully purchased per-task insurance add-on at or shortly after task creation, as allowed by this policy.
3.4 Schedule means the policy schedule and endorsements issued by Cornerstone setting territorial limits, sublimits, deductibles, and any special conditions.
3.5 Verified user means a user who has completed Domesty KYC to the minimum tier specified in Section 7.
4. Coverage structure
4.1 General Third-Party Liability (GTPL). Covers the legal liability of the insured for accidental bodily injury or accidental property damage to third parties arising from the performance of approved tasks. Typical categories include Home and Maintenance Services and Repair Services.
4.2 Professional Indemnity (PI). Covers negligence in professional services that leads to financial loss to a client, including errors, omissions, and breaches of professional duty for approved remote or knowledge-based services. Typical categories include IT and Tech Services, Creative and Design Services, Tutoring and Educational Services.
4.3 Bailee All-Risk (BAR). Covers physical loss of or damage to customers’ goods in the provider’s care, custody, or control during an approved task. Priority application is to Jewellery and Watch Repair. Where endorsed, BAR may extend to other repair subcategories handling customer property.
4.4 Fidelity Guarantee (FG). Covers direct loss of money or stock arising from dishonest acts by employees in roles named, positional, or blanket-scheduled under the policy. Unless expressly endorsed, independent marketplace providers are not employees for FG purposes.
4.5 Goods in Transit (GIT). Covers loss of or damage to goods while being transported in the course of approved tasks. GIT activation requires Material Damage arrangements as per Cornerstone’s underwriting requirement. Until Material Damage is in place, GIT is listed as an optional module and remains inactive.
5. What each cover is intended to address
5.1 GTPL responds to third-party injury at the premises during a handyman visit, accidental damage to a customer’s floor during moving, or a visitor injured during a cleaning task.
5.2 PI responds to a coding defect, design error, research mistake, or teaching negligence that causes verified financial loss to a client, subject to policy conditions.
5.3 BAR responds to accidental damage, theft, or loss of items entrusted to a provider for work, subject to evidence of condition, possession, and assignment to the approved task.
5.4 FG responds to proven dishonest acts of scheduled employees. It does not automatically extend to independent contractors unless specifically endorsed.
5.5 GIT responds to loss or damage to goods in point-to-point movement for Events and Hospitality or Delivery and Transportation categories, once activated.
6. Coverage trigger and activation
6.1 A claim is considered only if the incident arises from an approved task while the relevant cover was active.
6.2 Activation paths are Pro plan automatic activation for approved tasks or per-task add-on purchased within the activation window defined by Domesty.
6.3 GIT coverage is not active until Material Damage arrangements are in place and the Schedule reflects activation.
6.4 Brand usage such as “Insured by Cornerstone” may be displayed subject to Cornerstone’s branding guidelines and final approval; marketing collaboration activities are separate from coverage and do not affect claim validity.
7. Eligibility and risk controls
7.1 KYC. Both customer and provider must meet Domesty’s minimum verification standards prior to the task being accepted.
7.2 On-platform payment. All payments must be concluded via Domesty escrow. Off-platform payments void insurance.
7.3 Category approval. The task must appear in an approved category. High-risk trades require appropriate certification and may require additional endorsements.
7.4 Subcontracting. Coverage does not extend to subcontracted work unless subcontractors are engaged and verified through Domesty and specifically allowed by the policy.
7.5 Evidence baseline. Clear task scope, time-stamped communications, pre-work and post-work photos where relevant, and for BAR and GIT, a declaration of item description and condition before work or carriage.
8. Exclusions (general)
8.1 Tasks not booked or paid through Domesty.
8.2 Intentional or criminal acts, gross negligence, intoxication, or wilful misconduct.
8.3 Pre-existing damage or conditions.
8.4 Consequential loss, loss of profits, or business interruption unless expressly endorsed.
8.5 Vehicles, aircraft, or watercraft liability and motor risks, which require separate motor or aviation policies.
8.6 Property in care, custody, or control under GTPL unless BAR is active.
8.7 Professional services not listed or not within the scope of PI.
8.8 Injuries or damages outside task times or outside the agreed scope.
8.9 Use of uncertified personnel for trades that legally require certification.
8.10 Cyber, data breach, and purely contractual liabilities unless expressly endorsed under PI.
8.11 Any additional exclusions listed in the Schedule or endorsements.
9. Special conditions by module
9.1 GTPL care, custody, control exclusion applies unless modified by endorsement; BAR is the intended mechanism for property entrusted to the provider.
9.2 PI is claims-made and notified unless otherwise endorsed. The operative terms, retroactive dates, and reporting requirements are as defined in the Schedule.
9.3 BAR requires item identification, condition evidence before and after, possession linkage to the task, and where applicable, a declared value methodology.
9.4 FG requires named or positional schedules. Independent marketplace providers are outside FG unless expressly scheduled.
9.5 GIT requires journey definition, packing and handling standards, and compliance with Material Damage pairing before cover is in force.
10. User responsibilities
10.1 Describe tasks accurately and select the correct category.
10.2 Maintain clear records including photos, timestamps, and acceptance criteria.
10.3 Follow safety practices and, where relevant, manufacturer instructions and local codes.
10.4 Use only qualified personnel for regulated trades.
10.5 Cooperate with Domesty and Cornerstone during investigations and provide timely, truthful information.
11. Claims
11.1 Notification. Initial notice to Domesty should be provided as soon as practicable and no later than seventy-two hours after task completion or incident occurrence, whichever is earlier. If not reasonably practicable, the claimant must provide reasons and notify as soon as possible.
11.2 Documentation. The claimant should provide the task ID, incident description, time-stamped chat or job logs, pre- and post-work photos or videos, receipts or repair estimates, and for injuries, medical reports. For BAR and GIT, provide item descriptions, proof of possession, and condition evidence.
11.3 Assessment. Domesty and Cornerstone will review eligibility, causation, evidence sufficiency, and policy application. Site visits or remote inspections may be required.
11.4 Decision timeline. Cornerstone aims to resolve straightforward claims promptly. A target of five working days for uncomplicated matters has been discussed; final service levels are as published by the insurer and confirmed in the Schedule or claims guidance.
11.5 Payment. Approved claims are settled to the affected party in accordance with the operative module and the Schedule.
11.6 Fraud. False or exaggerated claims may lead to denial, policy sanctions, account suspension, and referral to authorities.
11.7 Subrogation. After settlement, the insurer may pursue recovery from responsible third parties.
12. Deductibles, limits, and aggregates
12.1 Each module is subject to per-claim deductibles, per-task or per-person limits, and annual aggregate limits as set out in the Schedule.
12.2 Limits and aggregates may be adjusted mid-term by endorsement to reflect platform growth, inventory changes, or risk profile updates.
13. Premiums and fees
13.1 Domesty Pro may include automatic activation for approved tasks.
13.2 Free-tier users may activate per-task insurance at point of posting or within a short post-acceptance window.
13.3 Premiums, platform fees, deductibles, and any taxes are defined in the Schedule and Domesty’s pricing pages and may vary by location, category, or risk profile.
14. Governance, compliance, and audits
14.1 The insurer is authorised and regulated by NAICOM.
14.2 Domesty may conduct risk audits, including verification of licences for regulated trades.
14.3 Domesty may suspend or restrict categories or users where risk controls are not met.
14.4 Regulatory or legal changes may require mid-term endorsements.
15. Data protection and sharing
15.1 By using insured services, users consent to Domesty sharing necessary KYC and claim information with Cornerstone and authorised investigators for underwriting and claims purposes, in line with applicable data-protection laws.
15.2 Domesty retains records consistent with legal and insurer requirements.
16. Branding and communications
16.1 Domesty may display insurer branding consistent with Cornerstone’s guidelines once provided.
16.2 Joint marketing is subject to separate approvals and does not alter coverage terms.
17. Duration, renewal, and changes
17.1 The policy operates for the period stated in the Schedule and renews or terminates as agreed between Domesty and Cornerstone.
17.2 Domesty may update this document to reflect endorsements, category changes, or operational requirements. Material changes will be communicated to users with reasonable notice.
17.3 If insurance is inactive for a task, no benefits under this policy apply, even if the task is otherwise eligible.
18. Dispute resolution and law
18.1 Disputes relating to claims are handled under the insurer’s complaints and escalation process and, if unresolved, may proceed to arbitration as set out in the Schedule.
18.2 Governing law is the law of the territory stated in the Schedule for the relevant section of cover.
19. Category matrix and notes to users
19.1 The following mapping guides which module typically applies. Final applicability is per Schedule and endorsements.
a. Home and Maintenance Services and Repair Services primarily fall under GTPL; when customer property is entrusted, BAR should be active.
b. IT and Tech Services, Creative and Design Services, and Tutoring and Educational Services primarily fall under PI.
c. Jewellery and Watch Repair requires BAR. Extension to other repair subcategories handling customer property is by endorsement.
d. Events and Hospitality and Delivery and Transportation may require GIT once activated and paired with Material Damage.
e. Security services and regulated trades may require proof of licensing and additional endorsements.
20. Practical guidance for providers
20.1 Capture pre-work and post-work photos for any task with property risk.
20.2 For BAR tasks, record item identity and condition before custody and after return.
20.3 For PI-exposed work, keep written scope, acceptance criteria, and change logs.
20.4 For moving or delivery, confirm packing standards, route, and handover records.
21. Contact and claims
21.1 First notice of loss and all queries should be submitted via the Domesty app or to claims@domesty.co with the task ID and incident details.
21.2 Cornerstone issues the master policy, schedules, and endorsements and remains the underwriter of record.
21.3 Branding guidelines and formal policy documents will be provided by Cornerstone.