Domestic employees often work so closely with their employer that they are considered a part of the family. However, no matter how long-standing the relationship may be, it’s always a possibility a domestic employee could file a lawsuit if they’re injured on the job or feel their rights have been violated.
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Whether you employ a full- or part-time nanny, babysitter, elder-caregiver, housekeeper, landscaper, or even repairperson, employers can be held liable for the occupational injury or disease incurred by a worker regardless of who’s at fault. It’s essential to make sure you have the right insurance protection in place to protect yourself from a potential lawsuit.
Make sure you understand your local, state, and federal employment laws — some jurisdictions may also mandate disability insurance.
While a workers’ compensation policy covers expenses related to an employee’s injury or illness incurred on the job, employment practices liability (EPLI) insurance offers protection from the financial consequences of various types of employment-related lawsuits.
Most homeowners and personal liability insurance policies don’t provide coverage for defense of or damages resulting from employment practices. Instead, EPLI is the solution that covers defense costs, settlements, and jury awards related to wrongful employment act claims made by an employee. If you employ a domestic worker, the risk of an underinsured, uninsured, or undocumented employee can be considerable.
We make it simple to get the right amount of coverage to protect your employees and your extraordinary lifestyle. Schedule a personal risk management review today.
