workers compensation coverage for nanny
![[Post New]](/jforum/templates/default/images/icon_minipost_new.gif){kind=icon}
Anonymous
| For families with nannies--where did you get your workers compensation coverage? Have you been pleased with the company? How much coverage is sufficient? We are in the process of hiring a nanny in DC and just discovered our current homeowners policy does not cover it or even offer such coverage. |
Anonymous
| We get ours through State Farm. It's not expensive -- maybe $250/year? |
Anonymous
|
We had a hard time getting it from Erie, and State Farm wouldn't sell it to us unless we switched all of our coverage to them, so that's what we did. I think it was in the $400-500 a year range.
It blows my mind how many people I know who hire nannies in DC and don't get WC coverage. They could get so incredibly screwed so easily. |
Anonymous
| Also use state farm. Only company that would give it to us. |
Anonymous
The reason they don't get WC coverage is that it is so hard to find. People who can afford nannies can also afford $300 - $500 per year for WC insurance. What they can't afford is spending the better part of a day finding a company that offers WC. Once they figure out that, apparently, only State Farm offers WC in DC, they then can't afford to spend the time shift all their other policies to State Farm in order to qualify for a WC policy. If the DC government tried harder to attract companies offering WC policies for nannies to DC, they compliance rate would skyrocket. Why doesn't DC pass a regulation prohibiting State Farm from forcing customers to "bundle" to qualify for WC? Why doesn't DC offer WC for household employers itself? Each household employer could just contribute $300 - $500 it a state fund. Why is WC insurance run so differently that unemployment insurance? It strikes me as unfair to force household employers, with only one or two employees, to buy insurance that is to hard to come by. |