Domestic Employees Workers Comp Insurance
Why do I need to purchase domestic help workers comp coverage?
Homeowners policies exclude Liability coverage for any domestic help that should be covered by a Worker’s Compensation policy. For example, if you live in CT and have a nanny, au pair, or driver that works more than 26 hours per week, they must be covered under a workers compensation policy.
What is an example of a potential claim on a worker comp policy for domestic employees?
If your domestic help is driving to pick up your kids from school and gets in an auto accident, regardless of who was at fault in the accident, your employee can file a Worker’s Compensation claim against you for her medical bills and lost income.
What does this insurance cover?
Workers Compensation will assist with medical expenses and lost wages if an employee has a work-related injury or illness. This coverage provides protection of the homeowner because when the domestic worker accepts the workers compensation benefits they generally forfeit their right to sue the employer/homeowner.