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.