Does home insurance cover domestic staff like cleaners or cooks?

I rely on hired help around the house. Do they get coverage under my personal insurance?

Answer
If you have hired help, it is crucial to talk with your agent about what you are and are not covered for. This can be different in every state and every situation.
For example, if the babysitter you get from time to time is hurt on your property, your policy will cover this. However, if you directly employ a full-time nanny, they may not be covered since in some states, you would be required to provide workers’ compensation insurance.
Also, there can be a difference depending on whether you directly hire someone or if they are part of an agency that you contract through. Usually, if your employee is part of an agency, they will already have insurance with that company.
As you can see, there are a lot of potential scenarios to consider, and it would be best to speak with your insurance agent. This is a situation where most people are not adequately protected.
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Shannon Martin
Answered on Mar 02, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
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