You hire your neighbor’s child to baby sit or mow the lawn. Are they considered domestic employees and should you be concerned about insurance protection – in most cases no! However, in general, if you hire someone to work in your home, even if only on a part time basis, you may need insurance protection.

Contrary to what many people believe, your homeowners insurance will not protect you when you have “domestic employees.”

Examples of domestic employees include:

• Body Guard
• Driver
• Estate Manager
• Gardener
• Housekeeper
• Nanny
• Nurse/Personal Care Assistant
• Personal Chef

It is important to make sure you are fully protected.  Call us and we will provide a comprehensive risk profile to ensure you are adequately protected.