Workers’ Compensation Coverage For Nanny And Domestic Workers NYC

More Vocations Than You Think Benefit From Having Workers’ Compensation

If you’re a nanny, babysitter, domestic worker, or au-pair and you slip and fall on the job, don’t hesitate. Call the best workers’ compensation attorneys in New York right away.

According to New York State Workers’ Compensation Law, if you employ a nanny, home attendant, or any domestic worker for over 40 hours a week, you must have workers’ compensation coverage. This includes workers who care for elderly parents or relatives. Homeowner’s insurance usually does not cover domestic workers, so a separate workers’ compensation policy is necessary.

If you hire a domestic worker through an agency and pay them regularly, the agency should provide workers’ compensation coverage. Confirm this when you contract with the agency.

Even if a domestic worker is paid off the books or in cash, you are still required to have workers’ compensation coverage.

What Happens If I Get Injured At Work But Don’t Have Workers’ Compensation Coverage?

Without workers’ compensation coverage for a domestic worker, you could be responsible for medical bills, lost wages, and potential fines. These fines can exceed $50,000. A workers’ compensation policy for a nanny or domestic worker usually costs between $350 and $550 per year. The insurance company will need information about the worker’s wages but not their social security number.

If someone works less than 40 hours a week, coverage might not be required. However, consider the possibility of them working over 40 hours occasionally.

Consult with a legal professional or insurance provider who specializes in workers’ compensation to ensure you meet all legal requirements. They can provide advice tailored to your specific situation.

Remember, if you’re a nanny, babysitter, or domestic worker and experience a slip and fall injury, you have rights under New York’s workers’ compensation law. Ensure you have the proper coverage by contacting Cass and Peters today for a free consultation to discuss your situation.