Insurance Insights: Insuring Household Help
Those who employ nannies in their households are likely to need three kinds of insurance. In the event that a nanny gets injured on the job, her own health insurance is not likely to cover it, and a standard homeowners insurance policy may or may not provide coverage. If not, it is necessary to purchase workers’ compensation insurance. (The state’s department of insurance can provide details). If the state doesn’t require workers’ compensation insurance, the homeowner’s policy might provide coverage. It is a good idea to check the policy carefully to make sure. Heads of households with nannies should also look into the necessity of purchasing unemployment insurance and additional coverage on their own auto insurance policies.
Insurance provides peace of mind. It is comforting to know that you are properly and adequately protected in any situation. We are happy to review your current policy and make the proper suggestions for your particular circumstances. We offer you personalized account management from insurance professionals who know their business. Questions about coverage? Call us for more information or to schedule an appointment.
Quick Tip: If a nanny drivers the household car on a regular basis, she is no longer considered to be an “occasional driver” and should be added to the policy as an “additional driver.”