Worker’s Compensation Insurance

Do Household Employees Need Workers' Compensation Insurance?

Household employees can keep your properties and estates running smoothly, but they can also come with financial liability. If someone who works in your home injures themselves, their medical bills could be astronomical. On top of this, you will likely have to hire a temporary replacement, meaning that you will be paying for two salaries instead of one. There is also the risk that an employee could sue you, which could result in a hefty payout. 

Cover Your Domestic Staff

Woman playing with a small girl at the park. Girl child playing building blocks with her nanny at the park. Both lying on a plaid.

Nannies

Close up image of a man opens car's door.

Chauffeurs

Chef cooking vegetables in wok pan. Shallow dof

Private & Personal Chefs

Broker filling in papers smiling to camera, preparing document for selling house

Estate & Household Managers

Housekeeper cleaning a hotel room

Housekeepers

Asian man waiter serving fresh fruit to woman passenger tourist on luxury catamaran boat yacht sailing in the ocean. Attractive girl enjoy outdoor lifestyle travel on summer holiday beach vacation.

Yacht Staff & Crew

Employment Practices Liability

Clients with domestic employees, including drivers, childcare providers, housekeepers and caretakers, can purchase coverage to protect against allegations of wrongful employment acts, such as wrongful termination, sexual harassment and discrimination. 

Is Workers' Comp Required for Domestic Staff in Connecticut?

In Connecticut, Workers’ Compensation coverage is mandatory for any domestic worker employed 26 hours or more per week by one employer.  

Workers' Comp Mandates for Domestic Workers in NY

Workers’ Compensation coverage is mandatory in New York for any domestic worker employed by the same employer for a minimum of 40 hours per week. There is an exception for those employed on a farm. 

Workers' Comp for Domestic Employees Cost

The cost of workers’ compensation insurance is typically calculated by how many employees you have, as well as what state you live in. In some states, it depends on wages. 

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