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

  1. Wrongful Termination

  2. Sexual Harassment

  3. Employment Discrimination

Reputational Injury

  1. Allegations of Wrongful Employment Acts

  2. Public Relations and Media Damage Control

  3. 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.


Swingle, Collins & Associates specializes in employment risk insurance coverage The descriptions of coverages listed on this website are brief and subject to the provisions, limitations, and exclusions that can only be expressed in your policy and related endorsements. For additional information of how Swingle, Collins & Associates can assist in meeting your coverage needs for wrongful termination, sexual harassment, or employment discrimination insurance please contact your dedicated risk manager to discuss the benefits and services of personal homeowners insurance coverage. The information contained on this page is provided for informational and educational purposes only. It contains general information on insurance issues and may not reflect the most current developments in insurance coverage and is unlikely to apply in all factual scenarios. The information does not include all the terms, coverages, exclusions, limitations or conditions that may be contained in the actual insurance contract language. The policies themselves must be read for those details. Sample policy forms will be made available upon reasonable request.