If you have a housekeeper, nanny or any kind of Home Health Aide
who cares for an ill family member coming to work at your home, there are some things
you need to know. Your homeowner’s policy does not cover employees so you
should make sure that the housekeeper, nanny or aide provide you with some
proof that they are bonded and have Worker’s Compensation insurance - or you
should provide the Worker’s Compensation coverage yourself. Domestic employees
get hurt or steal from their employers more than you think and you need to
protect yourself. If you decide against getting the coverage for your
employees, you may want to hire someone who has their own coverage to avoid
costly issues should a claim occur.
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