You as a tasker are responsible for the job you do for the customer.
If the property is damaged, you should in the first instance try to repair the damage yourself in good dialogue with the customer. If the damage to the property can't be repaired (lack of competence or damaged material), the customer or tasker can report the damage to their insurance partner.
Among many things FREE.fi takes care of the administration of insurance for Light Entrepreneurship. Regards to the liability insurance, the tasker should always contact FREE.fi's customer service to get the insurance number, when calling to the insurance company. The liability insurance has an own risk worth of 600€, so if the expenses for the damaged exceed 600€, the insurance can cover. The insurance company will value the damage and if it is covering or not. You can read more about insurance by FREE.fi here.
If there is damage to the customer's movables (tools, equipment, vehicles), you should make up for this, and have a good dialogue with the customer. Click here if it's an IKEA product. Remember that the customer is responsible for the tool, equipment and / or vehicle that is lent to you as a tasker. If replacement may occur, you should inform Luado in advance for guidance.