Protect your assets with the right domestic employee insurance.
Whether you hire a part-time nanny to care for your child in your home or you engage a full-time housekeeper, chef, gardener, nanny, or driver, they are employees of your household. Your home is their workplace. So if they are injured on the job—or they make a wrongful termination, harassment, or discrimination claim—you are financially liable.
Many people do not realize these workers are considered employees and need to be covered under a worker’s compensation insurance policy. Many states require you as the employer to purchase a policy even if the employee is not full-time.
B. F. Saul Insurance may recommend coverage that protects you against the risks you might face when employing personal staff. Important components of this coverage include:
- Type of work performed
- Employee compensation
- State in which the employee works (which impacts workers’ compensation requirements)
- Background checks
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