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Workers Compensation for Domestic Employees from Cal-Nevada Insurance Agency

Many of Cal-Nevada Insurance Agency’s high-net-worth insurance clients in San Francisco, Lake Tahoe, and the northern California and Arizona areas employ domestic help. If you’re one of them, you need workers compensation insurance for domestic employees.

If one of your employees is injured on the job or becomes ill as a result of their duties under your employ, a workers compensation policy will respond by helping with medical bills, lost income and a program to help them return to work.

Beyond the Requirements

Although in California you may not be required to provide workers compensation insurance to domestic help who work fewer than 52 hours, skipping the coverage exposes you to potentially devastating financial risks. Moreover, the law is constantly being challenged and could be changed without you realizing it until it’s too late.

The same holds in Nevada and Arizona, where workers comp for domestic employees is encouraged but voluntary. Forgoing workers compensation insurance for your domestic help is an extraordinarily risky move. A single event that results in a disability could destroy you financially.

Employees Who Should Be Covered

Not all people who work for you at your home fall under the rubric of “domestic help.” Independent contractors or members of a company that provides domestic services (such as maid companies, handymen, and landscapers) should have their own insurance, but check to make sure they do.

Typically, live-in nannies, housekeepers, and other caretakers should be covered by you. If you are the only employer of a non-live-in contractor who works for you regularly, you may also have workers compensation responsibilities (as well as other insurance and tax concerns), so make sure to talk to us about all those providing services in your home.

Workers compensation insurance for domestic employees is not outrageously expensive, considering the protection it affords. Let’s talk about who is working in your home, what their exposure to risk is, and how we can get you and them protected by workers comp.

It’s more than just live-in help that may need workers compensation coverage.

For further information or to schedule a meeting with an advisor, contact us at (866) 670-5948, or e-mail us at