Workers Compensation questions

[Anonymous]

Trying to hire a Nanny legally...

Is the Workers Compensation policy for the job or the employee? I'm thinking of hiring 2 people for before and after school because it's so hard to find someone for split shift. Do I need 2 workers comp policies then?

Can anyone share what they pay for their policy for part time nanny? I've checked the insurance websites but can't get any idea of costs.

I rent my house. Do I need to tell the owner (he has the homeowner's policy) or do I tell my rental insurance company? So complicated! I'm not sure of my obligations.

[Anonymous]

I think it's for the home and I am pretty sure we did it through our renters insurance company. I'd start by calling them.

[Anonymous]

Yes, it's for your home (so it covers any employees working there). Our homeowners' policy just had a rider available for it, but I believe most renters' policies have the same option. I can't remember the cost (will look it up if I remember later) but it was pretty minimal. The workers' comp is based in part on risk factors, though, and domestic employees are not high risk from the insurance perspective (as opposed to, say, getting a policy for a roofer!) FWIW, our base policy covers up to 20 hours a week without any rider needed--you only pay extra for hours past that. Worth checking what yours already includes.

[Anonymous]

Great, thanks for the advice! I never thought to actually read my rental insurance contract for something like workers compensation.

[Anonymous]

fwiw we had a hard time getting this through renter's insurance or elsewhere - we eventually got it through breedlove.

[Anonymous]

We had to get ours through the state provider (in MD) because our homeowner's didn't offer it. You pay a percentage of salary + and initiation fee, so two employees shouldn't be significantly more than 1.