What Is Personal what-is-personal-work-comp?

Work Comp

If you run a busy household and employ several domestic employees, you already know that staying organized is essential. However, one aspect you might not have thought to stay on top of is personal workers compensation. Depending on your state, you may be required to comply with work comp laws. Here are the essentials you should know about personal work comp and what type of coverage you may need.

Several Types of Domestic Employees Are Covered

You may be wondering which of your staff require coverage. Typically, domestic employees fall under the umbrella of personal workers that may require compensation in the case of a work-related claim. These workers may include, but are not limited to:

  • Health caregivers
  • Nannies
  • Housekeepers
  • Personal live-in chefs

For these employees, you may need personal work comp insurance to help cover damages in the event of any injuries or accidents suffered on the job.

Claims Must Be Work-Related

An important point to keep in mind is that work comp regulations indicate that only work-related claims are eligible for compensation. For example, if an employee suffers an injury outside the scope of their employment, work comp insurance cannot cover the associated costs.

Running and coordinating household staff means having to comply with different rules and regulations, including, in some cases, personal workers compensation. To make sure you’re providing the coverage you’re required to, check your state regulations and keep these essential facts in mind.