Some households are more complicated than a small corporation. Families with higher assets often need to hire in-home employees like nannies, housekeepers, cooks, gardeners or drivers to help with their everyday lifestyle. Even though these hired individuals may become like family to our clients, they still represent opportunities for risk.
When employing individuals in the home, the exposures to liability resemble those for any employee in a corporate setting. We protect our clients from the liabilities that become present due to a residential staff.
Employment Practices Liability insurance will provide our clients with several coverage options.
Liability protection from wrongful employment acts
- Wrongful Termination
- Sexual Harassment
- Employment Discrimination
Reputational Injury
- Allegations of Wrongful Employment Acts
- Public Relations and Media Damage Control
- Personal Security for Your Family and Home
In addition to employment practices liabilities, work-related injuries are also a risk with residential staff. Whether your housekeeper falls off a ladder or the nanny has a car accident while driving your car, we advise our clients in how to best protect themselves from potential loss related to workplace injuries of domestic employees.
Worker’s Compensation is a benefit paid to the employee in the event of injury, disability, or death while at work. Family employers are often unaware of the risk associated with workplace injury and forego obtaining this coverage. Without worker’s compensation, a domestic employer will lose all of their common law defenses in court for the employee’s injury. We often recommend that our clients transfer their employer’s liability risk to an insurance carrier.
An Employee Dishonesty policy protects the assets of a family from employee theft. Families who invite employees into their home often provide them with complete access to their most personal information. The Employee Dishonesty policy is an affordable purchase that we recommend to our clients that will indemnify them from an employee’s dishonest acts.
As a value-added service and prior to hiring a domestic employee, we offer civil and criminal background checks and a motor vehicle driving record search on any potential employee to protect the assets you have worked so hard to build.
Please contact one of our personal risk managers to discuss the employment-related liabilities in your household.