Domestic Nanny Insurance in Massachusetts
Domestic nanny insurance in Massachusetts is essential for families with full-time household employees such as nannies and housekeepers.
Protect Your Family and Your Staff with Domestic Nanny Insurance.
As an employer you face a unique set of risks.
You may consider your child’s nanny a member of the family, but technically you are still their employer. In Massachusetts, you are required to have workers’ compensation insurance for any employee who works for you more than 16 hours per week.
Beyond being compulsory, insurance coverage for domestic nannies is an important component of a sound risk management strategy for families with substantial assets.
Customized Coverage from Premium Carriers
As a client of our Private Client Group, you will have access to premium insurers: Chubb, Pure, Cincinnati, Hanover Prestige, Berkley One and Vault. Our partnerships with these exclusive companies enable us to provide customized coverage and exceptional value for domestic nanny insurance in Massachusetts.
Workers' Compensation Insurance
Domestic nanny insurance falls under the category of workers’ compensation insurance. This coverage can provide funds for medical bills, lost wages and other expenses if your nanny becomes injured on the job. In Massachusetts, Connecticut and other New England states, Workers’ Compensation is required for anyone with full-time employees. A full-time employee in Massachusetts is one that works 16 hours or more per week. That definition varies depending on the state.
Employment Practices Liability Insurance (EPLI)
In conjunction with domestic nanny insurance or workers’ compensation we recommend purchasing Employment Practices Liability Insurance (EPLI). Employers of domestic staff such as childcare providers, nannies, gardeners or housekeepers, could be accused of sexual harassment, discrimination, wrongful termination or more. EPLI can provide funds for your legal defense of these allegations. Similarly reputational injury insurance can cover the costs of services to protect your good name, such as professional efforts by public relations firms or a security detail to protect your family and residence from the media.
Exceptional Coverage & Concierge Service
McSweeney & Ricci’s professional risk advisors will assist you in purchasing the proper levels of domestic nanny insurance in Massachusetts. Protect yourself and your domestic staff with customized insurance. Our Private Client Group provides concierge-level service and access to premium insurers specializing in the needs of accomplished clients.