Domestic Staff Workers' Compensation Insurance
Essential coverage for a safe, productive workplace.
Domestic staff workers’ compensation insurance, or simply workers’ comp, is not just a legal requirement–it’s an investment in your domestic staff’s security.
The precise rules vary from state to state, but the general rule is that your estate must take out workers’ comp coverage for domestic employees that pays out if they are injured at work.
In principle, the workers’ comp payouts will cover medical bills, care costs and a portion of any lost wages. Plus, in the worst-case scenario, domestic staff workers’ compensation insurance will cover funeral costs and death benefits.
There are often harsh legal penalties for estates that don’t carry workers’ comp. But, aside from that, workers’ comp insurance can also help your estate, as it makes sure staff get adequate medical treatment that help them return to work fit and healthy.
Many domestic staff workers’ compensation insurance policies go beyond the legal minimums and will also pay your legal costs if an employee sues over a workplace injury.
While you can get standalone domestic staff workers’ compensation policies, you can also often buy workers’ comp coverage as an add-on to other policies.
Our insurance experts are ready to help you determine the best method for obtaining proper domestic staff workers’ comp insurance for your estate.