You hire your neighbor’s child to baby sit or mow the lawn. Are they considered domestic employees and should you be concerned about insurance protection – in most cases no! However, in general, if you hire someone to work in your home, even if only on a part time basis, you may need insurance protection.
Contrary to what many people believe, your homeowners insurance will not protect you when you have “domestic employees.”
Examples of domestic employees:
- Body Guard
- Driver
- Estate Manager
- Gardener
- Housekeeper
- Nanny
- Nurse/Personal Care Assistant
- Personal Chef
It is important to make sure you are fully protected. Call us and we will provide a comprehensive risk profile to ensure you are adequately protected.