Domestic Employee Insurance
Household Employee Insurance is a necessity if you employ a full-time household employee such as a nanny or a housekeeper.
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The risks you face as an employer
If you employ full-time domestic employees such as a nanny, housekeeper, personal chef or gardener, Household Employee Insurance is a necessity, even if you already carry a personal excess liability or umbrella policy.
The unique exposures you face as an “employer” require specialized insurance protection.
Customized Coverage from Premium Carriers
Our partnerships with premium insurers Chubb, Pure, Cincinnati, Hanover Prestige, Berkley One and Vault, allow us to customize coverage suited to your individual needs. McSweeney & Ricci’s Private Client Group will act as your personal concierge to tailor an insurance plan that can include coverage for Domestic Employees, such as Workers’ Compensation and Employment Practices Liability Insurance.
Workers' Compensation Insurance
If an employee in your home gets injured, workers’ compensation insurance covers the cost of their medical bills and any lost wages. In Massachusetts, Connecticut and many other states, Workers’ Compensation Insurance is a state required coverage for anyone with full-time employees. In Massachusetts, a full-time household employee is one that works for you 16 hours per week or more and in Connecticut it’s 26 or more hours.
You’ve built a reputation with a solid foundation. You need insurance coverage that protects your good name.
If you employ domestic staff such as housekeepers, childcare providers, gardeners or drivers you could fall victim to allegations of discrimination, sexual harassment, wrongful termination or other allegations. Employment Practice Liability can protect you against wrongful employment allegations, and can help defray the defense costs you may incur as a result. Coverage can also be added for reputational injury. Reputational injury insurance helps reimburse you for “damage control” expenses such as public relations firms to defend your reputation, or security expenses to protect your residence and your family from the media.
Let our Team Protect What You've Built
You rely on your staff to assist you, protect them and yourself, with custom insurance for household employees. With Domestic Employee Insurance through McSweeney & Ricci’s Private Client Group, you’ll receive concierge-level service and you’ll never have to wonder if you’re protected for the unexpected.