Housekeepers, gardeners, pool technicians and occasional help are employees or contractors depending on the arrangement, and that distinction decides what happens when one of them is injured on your property.
A household employee injured at work is a workers compensation question, not a liability one.
Three things about having people working at your home.
If someone you employ directly is hurt while working at your home, that is an employment injury rather than an ordinary guest injury. Personal liability may not respond to it at all, and the correct cover is workers compensation, which many households do not realize they can or should carry.
A pool company sending a technician is a contractor with its own insurance. A housekeeper you schedule, direct and pay directly looks much more like an employee. The distinction turns on control rather than on what either party calls it, and it determines who answers when something goes wrong.
Claims by household staff alleging wrongful termination or similar are excluded from most personal policies. A few umbrellas offer limited employment practices cover for domestic employees. Where staff are employed directly it is worth asking for by name.
The working relationships at a household.
That is the group most likely to be treated as household employees.
Ask for certificates. A contractor without insurance becomes your exposure.
Not standard, available from some carriers, worth asking by name.
Tell us who works at the property, how often, and whether they are paid directly.
We sort employees from contractors before deciding what you need.
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