Personal Insurance

Workers Compensation Insurance and Domestic Household Employees

Workers Compensation for household employees is an area most often overlooked by employers, their financial advisors and yes, their insurance agents too. Each state has different requirements for Workers Compensation insurance for household workers. Domestic workers can include chauffeurs, nannies, home health aides, au pairs, nurses, baby-sitters, maids, cooks, housekeepers, laundry workers, butlers, companions, and gardeners working in a private household. Workers compensation insurance is actually an affordable benefit that protects both you and your employees.

Workers' compensation insurance covers your employees' medical expenses and at least some portion of their lost wages if they are injured on the job. It also provides death benefits to dependents of workers who have died as a result of their employment. In exchange for these guaranteed benefits, a worker does not have the right to bring a civil action against his/her employer for pain and suffering or other damages, except in the case of intentional acts.

Failure to provide required coverages can be financially devastating to an employer after an employee becomes ill or injured.



Important Note - The information on this site is general in nature. Any description of coverage is necessarily simplified. Whether a particular loss is covered depends on the specific facts and the provisions, exclusions and limits of the actual policy. Nothing on this site alters the terms or conditions of any policies. You should read the policy for a complete description of coverage. Coverage options, limits, discounts and deductibles are subject to availability and to individuals meeting underwriting criteria. Not all features available in all areas.