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Anonymous wrote:Why would you not get workman's comp insurance?
At Statefarm they told me that this was only if we were employing more than 3 employees, which is not our case. I was surprised as well after reading everything I read online, but I kind of trust what the insurance company tells me ha
Hi everyone - and thank you for the responses
(also just realized I posted as Anonymous, but here is my account )
So yeah, I think here the idea is really what happens after she has driven to somewhere. For example she goes to the Clemyjontri playground in McLean with her car, they get there, all good. But unfortunately, as part of her job, she injures herself and can't work for a 3 weeks. I think here there are 2 things to think about, one being the salary loss and the other one the medical bills.
For the salary loss, we decided to not buy a policy (short term disability coverage, or something like this) that would cover that even if something happens in our house. So this is not something we worry about, it's a risk we accept to take given how pricey the policy is.
But for the medical bills, what happens? In case something happened in our home, our homeowner insurance (and umbrella policy if needed) would cover that if I understand correctly. But not outside of our home, right? So how could we have this covered for the nanny in case something happens to her during her work hours, not because of negligence, and not in our house nor her car?
Sorry I know it's a long block to read, but tried to make it as clear as I can. I'm under the impression I'm overkilling a bit too, but at the same time, I never had a good answer to the questions above haha
(also just realized I posted as Anonymous, but here is my account
)
So yeah, I think here the idea is really what happens after she has driven to somewhere. For example she goes to the Clemyjontri playground in McLean with her car, they get there, all good. But unfortunately, as part of her job, she injures herself and can't work for a 3 weeks. I think here there are 2 things to think about, one being the salary loss and the other one the medical bills.
For the salary loss, we decided to not buy a policy (short term disability coverage, or something like this) that would cover that even if something happens in our house. So this is not something we worry about, it's a risk we accept to take given how pricey the policy is.
But for the medical bills, what happens? In case something happened in our home, our homeowner insurance (and umbrella policy if needed) would cover that if I understand correctly. But not outside of our home, right? So how could we have this covered for the nanny in case something happens to her during her work hours, not because of negligence, and not in our house nor her car?
Sorry I know it's a long block to read, but tried to make it as clear as I can. I'm under the impression I'm overkilling a bit too, but at the same time, I never had a good answer to the questions above haha
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