Families with higher assets often hire in-home employees including nannies, housekeepers, cooks, gardeners and drivers. Although these individuals might become like family to our clients, any hired staff increases a family’s employment risk and exposure to liability, just as it would in a corporate setting.
Employment Practices Liability insurance provides 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 you on how to best protect yourself 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.