Employees in the home are often considered “family”. They also see and hear things like family. Sometimes that information is used against the family when an employee feels he/she has been treated unfairly.
Claims such as invasion of privacy, wrongful dismissal, retaliation, discrimination, harassment, hostile work environment, libel, slander or defamation of character often occur in employment situations.
Employment practices liability insurance can be added to a personal excess liability policy to help protect against these claims.
Hiring workers “off the books” to save money tends to come back to bite the employer should the employee become injured on the job.
Even when the worker is employed legally, coverage may not be available under the homeowners policy unless Domestic Workers Compensation coverage has been added.
California homeowners policies include a mandatory endorsement for domestic workers compensation.
If a domestic employee works 20 hours a week or more inside the home (ex. Housekeeper, laundress, nanny), or more than 12 hours outside the home (ex. Gardener, chauffeur) then a premium charge is typically added per domestic employee.
The annual premium charge runs $500-$700 on average for a full time domestic inservant, and $300-$500 for a full time outservant.
If you have assets in excess of $5,000,000, please check out this short video to learn about other risks and insurance protections unique to high-net-worth individuals and families.
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