Comprehensive Coverage for Your Household Staff

As a high-net-worth individual, your household staff is a vital part of maintaining your lifestyle. Whether you employ a nanny, housekeeper, chef, or chauffeur, ensuring their safety and well-being while on the job is both a legal responsibility and a moral obligation.

At GRIT Insurance, we provide tailored domestic employee workers’ compensation coverage to protect your staff—and your personal assets—in the event of a workplace injury or illness.

Why You Need Workers' Compensation for Domestic Employees

Hiring household staff creates unique liability risks, and many states require workers’ compensation coverage for domestic employees. Here’s why this coverage is essential:

• Legal Compliance
  Most states mandate workers' compensation for households with full-time employees, even for part-time or live-in staff.

• Medical Expense Coverage
  Covers medical bills for injuries or illnesses sustained while performing work duties.

• Wage Replacement
  Provides income for staff members unable to work due to a covered incident.

• Asset Protection
  Protects your personal wealth from lawsuits arising from workplace injuries.

• Peace of Mind
  Demonstrates your commitment to the safety and well-being of your employees.

Who Needs Domestic Employee Workers’ Compensation Insurance?

You may need this coverage if you employ:

• Nannies or child caregivers
• Housekeepers or cleaning staff
• Private chefs or cooks
• Personal assistants
• Gardeners or landscapers
• Chauffeurs or drivers
• Live-in staff of any kind

If you rely on household staff, workers’ compensation ensures that you and your employees are both protected.