Contact     Site Map     Home   Home Services Employers Job Seekers About Contact Services Childcare Staffing Baby Nurses Family Assistants Governesses Nannies Parents Helpers On Call Nannies & Baby Sitters Home Hotel Corporate Household Staffing Housekeepers Executive Housekeepers Houseman/Handyman Laundresses Cooks Cooks/Housekeepers Companions Estate Staffing Estate Managers Household Managers Butlers Chefs Chauffeurs Gardners Household Couples Valets Private Office Staffing Executive Assistants Personal Assistants Eldercare Staffing APNA Member Association of Premier Nanny Agencies San Francisco & Marin & Sonoma Counties: 415 749-3650 Peninsula Counties: 650 573-1000 East Bay Counties: 925 933-2273 National Placements: 866 729-2667 About > Resources > Worker Compensation Insurance As a Household Employer do I need to have workers' compensation insurance? Yes, California law requires all employers have workers' compensation insurance. By law all homeowners insurance must offer workers; compensation for "incidental" household workers' exposure. However, "incidental" is typically defined as 15 hours or less. Homeowner's insurance policy applications have a specific set of questions regarding the homeowner's employees, and they require the number and amount of time worked. If the homeowner does not disclose this information they can jeopardize coverage under their policy. Insurance carriers can add a workers compensation endorsement to the existing homeowner's policy when the household worker is hired and their hours will exceed 15 per week. What happens if my Household Employee is injured while at work and I only have "ncidental" coverage? If a homeowner does not disclose to their carrier household employees who are working then the carrier has the right to deny the claim under this coverage. The actual coverage, limits, requirements and restrictions vary from carrier to carrier. It is recommended that if you plan to employ a household worker you check with your insurance agent and make sure your homeowner's policy will protect you if your employee is injured while working for you. How do you obtain coverage? Contact your insurance agent and investigate your coverage. Or contact: Vince Ginocchio; Personal Lines Manager; Heffernan Insurance Brokers, 1-800 655-7796, vinceg@heffgroup.com. In about 10 minutes they can assess your situation and give you a complimentary, no obligation phone consultation. Contact Heffernan Insurance Brokers by completing the following contact form and they'll be in touch with you. Yes, I am interested in a complimentary, confidential, no obligation phone consultation. * - Required Field First Name: * Last Name: * Address: *   City: * State: Alabama Alaska Arizona Arkansas California Colorado Connecticut Delaware District of Columbia Florida Georgia Hawaii Idaho Illinois Indiana Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska Nevada New Hampshire New Jersey New Mexico New York North Carolina North Dakota Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Vermont Virginia Washington West Virginia Wisconsin Wyoming * Zip Code: * E-mail: * Phone: * Best Time to Call:   If you're seeking professional staff or employment, we invite you to contact In-house Staffing. EMPLOYERS Browse Candidates >>   JOB SEEKERS Browse Jobs >> Aunt Ann's In-House Staffing 2722 Gough Street San Francisco, CA 94123 Phone: (415) 749-3650 Fax: (415) 749-2081 [ Get Directions ]   © 2001-2009 Aunt Ann's In-House Staffing - Nanny, Housekeeper and Estate Agency. All rights reserved. [ Privacy Policy ]