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Workers Compensation Insurance - Domestic employees require workers comp insurance.

Your household is a tight-running ship with the help of domestic employees who assist in the care of your home, the grounds and even your children. With this domestic staff comes the need for workers compensation, which covers nannies or au pairs, caregivers, live-in housekeepers and more in the event an individual is injured on the job. The policy will help with their medical bills, lost income and getting back to work.

New York, New Jersey and Connecticut state laws mandate workers compensation insurance for domestic employees who work a certain number of hours. The regulations differ per state. For example, in New York, any domestic worker employed (other than those employed on a farm) by the same employer for a minimum of 40 hours per week must have workers comp insurance. New Jersey stipulates that all household employers obtain coverage for any part-time or full-time domestic employee. And, Connecticut mandates that any domestic worker employed 26 hours or more per week by one employer must be insured under workers comp insurance.

Our staff at A.J. Benet will review the requirements with you based on where you reside, the size of your staff and the number of hours they work under your employ to secure a policy that addresses your needs. We will also help you classify your employees properly so that you are not overpaying, and connect you to a selection of the best insurers available in your state.

Remember, your homeowners insurance typically doesn’t cover domestic employees’ work-related injuries or illnesses, and recuperative costs, legal fees, and disability awards can be crippling without insurance coverage. Trust the experts at A.J. Benet to provide you with an insurance program that will mitigate your exposure.

Domestic employees require workers comp insurance.

We invite you to give us a call at your convenience at (888) 639-4560, or if you prefer email us or return the form on this page, and we’ll call you to set up an appointment to review your insurance program in detail and show you how we can serve your needs.

Since 1964, A.J. Benet has been serving residents in New York City, Pelham Manor, Pelham, New Rochelle, Larchmont, Mamaroneck, Harrison, Rye, Port Chester, Rye Brook, South Salem, Purchase, White Plains, Scarsdale, Eastchester, Bronxville, Armonk, Chappaqua, Briarcliff, Pound Ridge, Bedford, Mt. Kisco, and Katonah, New York; as well as in the Connecticut communities of Greenwich, Cos Cob, Riverside, Stamford, Darien, Rowayton, Fairfield, Westport, Southport, and New Canaan.