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Executive Order for Policyholder Payments
Hiring household employees to help with cleaning, childcare, or gardening comes with responsibilities. One crucial question many homeowners ask is whether workers' compensation insurance is required for household employees. While household employees provide valuable services, it's essential to understand your legal obligations and the protection workers' compensation offers both you and your employees.
Workers' compensation insurance provides coverage for employees who are injured on the job. It helps cover:
Medical expenses for injuries
Lost wages due to the injury
Rehabilitation costs for recovery
This insurance also protects employers from lawsuits related to workplace injuries.
Workers' compensation requirements vary based on state laws, but here are some common factors:
Regular Hours of Work: If your household employee works more than a specific number of hours each week, you may be required to carry workers' compensation insurance.
Employee Pay: In many states, workers' compensation is required if you pay your household employee more than a certain amount per year.
State Regulations: Each state has different rules. Some states may exempt small household employers or those with few workers, while others may require coverage even for part-time employees.
It's crucial to understand your state's requirements to understand your obligations.
Even if workers' compensation isn't legally required in your state, obtaining this coverage is still a wise decision for several reasons:
Protection from Lawsuits: If an employee is injured, they could file a lawsuit. Workers' compensation covers medical costs and legal fees, protecting your finances.
Financial Security: In the event of an injury, medical bills and lost wages can quickly add up. Workers' compensation insurance helps you manage these expenses.
Once you determine that workers' compensation insurance is needed, follow these steps to get covered:
Check Local Regulations: Review your state's requirements regarding household employee coverage.
Contact Your Insurance Provider: Work with your current insurance provider or an insurance agent to secure workers' compensation insurance.
Review Your Coverage Needs: Ensure that the coverage limits are appropriate based on the number of employees and their job duties.
If you determine that workers' compensation insurance is necessary for your household employees, the next step is to secure coverage. This can be done through your current insurance provider or an agent specializing in workers' compensation.
At Club Agency Insurance Brokerage, we offer workers' compensation insurance for household employees to protect you and your workers in case of injury. We can help you understand your state's requirements and ensure coverage meets your needs. Contact us today or call us at (866) 784-9785 to get workers' compensation insurance and how it benefits you and your household employees.
