Domestic Staffing

Taking on the responsibility of a staff member in the home can substantially alter the insurance landscape. Among the many things to consider when hiring a new employee, the addition of a domestic worker requires a thorough review of the current risk-management plan to determine if the insurance coverage is adequate.

Coverage areas to consider include unemployment and workers ‘compensation, employee benefits, automobile insurance, fine arts coverage and for families with multiple staff members, employee dishonesty and employment practices liability insurance. While the liability section of a homeowner’s policy excludes coverage for liability that is covered by a workers’ compensation policy, domestic employees are exempt from the workers’ compensation law in many states.

HUB International will provide you with a level of financial protection and personalized service for your needs.

To learn Best Practices in Household Staffing, click here.

To read an article about the 10 Issues of a Passively Managed home, click here.

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