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Illustrated country estate: a farmhouse with a deep front porch and potted plants, a black sedan parked on a gravel drive, a glass greenhouse with a purple watering can, and tall trees framing the scene

Household employee insurance

take care of the
people who take
care of you.

Nannies, housekeepers, drivers and estate staff. Workers’ comp, employment practices and payroll questions, in one place.

get started

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THREE

accidents happen at home too.

Injuries, claims and accidents on the job. Tap around the house to see what’s covered, and what isn’t.

Illustrated cutaway of a home: a nursery with a crib and rocking chair, a staircase hall, a laundry room with a washer and dryer, a kitchen with an island and stools, a home office, a garage with a black sedan, and a garden with a ladder against a tree and a purple watering can

covered

A cut in the kitchen

Medical bills and lost wages, with workers’ comp.

covered

A fall from the garden ladder

Covered for staff on your payroll.

with an add-on

A nanny claims unfair firing

Add household employment practices.

usually covered

Your driver has an accident

When they’re listed on your auto.

covered

A cut in the kitchen

Medical bills and lost wages, with workers’ comp.

Examples. Your policy sets the details.

someone hurt?
make one call.

We report it, help with the paperwork and follow the claim until it’s closed.

  1. 1. Call us right away

    Tell us what happened. Get care first.

  2. 2. We report it

    State forms and the carrier, filed on time.

  3. 3. We stay on it

    Medical bills and lost wages, followed to the end.

the best price, without the shopping.

Tell us about your home and family once. We compare the carriers and bring back your options, side by side.

The Okafor family

your options

$1,900a year, WC and EPL

3 options, same coverage

Option A$1,900

Option B$2,200

Option C$2,600

NannyHousekeeperDriverNew York, NY
compare your options
same
coverage,
best price
get startedAlready insured? Send your policy

switching takes one signature.

Keep your broker until the numbers say move. We do the paperwork.

  1. 1. Send your policy

    Your current policy is enough. No forms.

  2. 2. We compare

    Coverage, service and price, side by side with today’s options.

  3. 3. You choose

    Stay or switch. If you switch, we handle the paperwork.

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Put them on one program and we shop them together at every renewal.

good to know.

Straight answers about insuring household staff.

Do I need workers’ comp for a nanny?
In many states, yes, and it’s wise even where it isn’t required. Workers’ comp covers medical bills and lost wages if a nanny, housekeeper or other employee is hurt on the job. Rules depend on your state and how many hours they work.
Does homeowners insurance cover household employees?
Usually only in limited ways. Some home policies include small amounts of coverage for domestic workers, but they rarely replace workers’ comp or employment practices coverage. Check your state’s rules and your policy together.
What is household employment practices liability?
It covers claims from household employees such as wrongful termination, discrimination or harassment. It’s often added to a personal excess policy or bought on its own. It pays for legal defense and settlements.
Are staff from an agency covered by my policy?
Usually the agency employs them and should carry their workers’ comp. Ask the agency for a certificate of insurance. If you pay staff directly, you’re likely the employer and responsible for coverage.
What insurance does a private driver need?
If a driver uses your car, list them on your auto policy. If they’re your employee, workers’ comp typically covers their own injuries on the job. High liability limits and excess coverage help protect you if they cause a serious accident.

see what your
program is missing.

Most have gaps. Find yours with a policy review.

get startedor call 802-GOT-RIZA