Domestic Staff Insurance
Proper domestic staff insurance coverage transfers the financial risk of hiring a housekeeper, nanny, or other domestic staff, reducing your exposure.
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
Key Contacts
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Independent Family Ownership
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We believe that being privately held is essential to achieving growth—now and in the future. Retaining an independent ownership results in a long-term outlook and provides the financial means to invest in resources relevant to your needs.
Expertise & Experience
Your goals and priorities come first. With meaningful experience serving businesses, individuals, and families, we keep up on relevant exposures in order to customize the advice to you.
Proven Service Model
At B. F. Saul Insurance, the advisor that understands your risks and business priorities also negotiates and structures your program. Our direct access to the global insurance market affords you the best possible results.
We Develop Long Term Relationships
On average, we retain about 95% of our clients every year (greater than the industry average of 80-85%). We are passionate about people—yours and ours—leveraging our knowledge about you to more effectively advocate on your behalf in the market.
Speak with a knowledgeable advisor about your business or individual insurance needs.
Keep up with the insurance industry and understand how emerging exposures might impact your portfolio.