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[quote=Anonymous]he risk is all to you ... if you have any money, that is. If you are living paycheck to paycheck, and the nanny gets injured on the job, and if DC requires you to have worker's comp (I have no idea -- I know MD does), then you might face some kind of legal action when her insurance company comes after you and there's no money to pay for her medical bills.

If you do have money, WC should protect you from a huge lawsuit.

Otherwise, without WC what you risk is
1. Being on the hook for all medical bills related to the injury, even if she has health insurance (her insurance company will seek to recover what it pays out, since you should have had WC).
2. Being on the hook for lost wages due to the medical condition (this is different from unemployment insurance which kicks in when someone is let go).
3. An endless period of litigation and lawyer bills while you fight what seem to be overcharges and the nanny fights for what seem to her to be reasonable coverages.

I found WC expensive (it's even more expensive where I live now, in Georgia), but it brought me a lot of peace of mind. Every time I'd look outside in Silver Spring and see the snow and ice, I'd think it was money well spent to protect her and us. I would have felt like a huge asshole fighting the charges if our nanny got injured on the job, and with WC, I didn't worry about it bankrupting us, either.

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