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What is the 20% Rover takes out? is it for tax and liability reasons? It seems way too high?

What is the 20% Rover takes out? is it for tax and liability reasons? It seems way too high?

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The fee is for marketing/advertising the Rover website, insurance, 24/7 customer service, payment processing, and website maintenance. They do not take out taxes and do not pay unemployment or workman's comp.