The difference with Homejoy was that many people on their site already had existing cleaning companies. They were using Homejoy for customer acquisition. Once that customer was acquired, there was no need for Homejoy. Once Homejoy was out of the picture, the cleaners regular liability insurance would still be in play. Obviously there were some cleaners that did not have a business.

The difference with Uber/Lyft is that these drivers don't have a business outside of the app. Therefore, once you eliminate the app, you eliminate their commercial insurance and it becomes a really interesting situation if there were ever an accident.