Your nanny, housekeeper, gardener or driver can feel like a member of your family.
But what happens if there is an injury or lawsuit?
Domestic employee workers compensation coverage
An injury is a terrible time to be reminded that the law treats you as an employer and your nanny as an employee. Workers Compensation for domestic employees helps to protect both of you.
In this case, Workers Compensation is an easily overlooked coverage, which is why it is so important to work with an agent who is familiar with this type of exposure. Not only does workers compensation coverage fill a critical hole in your insurance portfolio, it is also required by law in many states. Even when not required by law, workers compensation insurance is essential to protect you and your domestic employee(s) from the expenses associated with a work-related accident, including medical bills and employers liability. A single accident can leave your employee permanently injured and you, the employer, liable for medical bills, lost wages, and compensation for a permanent disability.
Contact us for additional information.
Employment Practices Liability Coverage
In today’s world, simply staffing your home with gardeners, nannies, drivers, and housekeepers is a concern. Hiring help is just the first challenge; workers’ compensation and proper tax reporting aren’t far behind. And even though you hire well, domestic employees can make claims alleging wrongful employment acts or sexual harassment.
Chubb’s Employment Practices Liability Coverage should be part of your financial protection plan. This policy:
- Guards you from residence staff who may allege discrimination, sexual harassment or wrongful termination.
- Covers damages up to the limit of liability if you or a resident relative are obliged to pay.
- Includes defending you in a “suit” administrative proceeding or hearing dealing with the alleged claim.
- Pays $25,000 to hire an employment practices crises management or public relations firm to mitigate damages to your reputation.
Before you make your next move in hiring domestic help, contact Ellis Insurance to customize your Chubb home insurance policy with Employment Practices Liability coverage.