(800) 869-8643

admin@hayesbrokers.com

Workers Compensation for Residence Employees

Workers Compensation for Residence Employees

We all require help at home every now and then, and in some cases that help may be long term. Residence employees such as gardeners or housekeepers are just that – employees. So what happens if your residence employee gets injured on the job? Defining “Residence Employee” Insurance companies define a residence employee as someone who performs non-business duties related to a residence. The definition even applies to those employees who perform comparable non-business duties away from the residence premises. Who is a residence employee? Full time workers hired by a homeowner inside or outside the home. Please note that in many states “full time” is anything in excess of 20 hours a week. Part time workers hired by a homeowner for smaller jobs. The kid who mows your lawn once a week, or the babysitter who comes over for date night is considered a part time residence employee. Employees who perform comparable duties away from home (such as an errand runner) or at a secondary home (caretaker) are also residence employees. The landscaping company, house painter, handyman or plumber that you hire once or twice a year, especially if you don’t verify that they are licensed and insured. Your Homeowners Insurance Doesn’t Really Cover Them According to the Homeowners 3 – Special Form (HO3) coverage form, there is some coverage for residence employees, but it isn’t much: Residence employee personal property is covered as long as it is in any residence occupied by an insured. Medical payments coverage is available for residence employees as long as the injury was caused by the residence employee in the course of...