Reply to Is this covered by worker's comp if it's on the front walk?

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[quote=Anonymous][quote=Anonymous]Does most homeowners insurance include WC?  If not, do you contract for it in addition to a homeowners insurance policy?  Does it cover only household employees or also anyone who does work in the house (handyman, lawn service)?[/quote]

Employer here: My understanding is that homeowner's insurance normally excludes compensation for workers employed by the homeowner.  You need to buy a separate policy or insure through a state fund (if there is one - there has to be a state fund if the state requires employers to carry workers' comp).  That policy may be issued by the same company as your homeowner's insurance, but it is a separate policy, and is an additional cost.  The point of workers' comp is to cover injuries and illnesses incurred by employees in the course of their duties so, as many have said already, the location is irrelevant: the main question is whether, at the time of illness or injury, the employee was engaged in service of the employer.  Commuting doesn't count; but dropping the kids at soccer practice does.

Coverage varies by policy, I am sure, but it is intended to cover *employees* of the homeowner, such as nannies, babysitters, housekeepers -- basically, any W-2 employee.  If you employ your own personal handyman or lawn person, I would imagine that they would be covered also.  Many handymen or lawn services are provided through companies, though, and if they are, those workers would not be covered by the homeowner's workers comp - they would (and should) be covered by their own employer's workers' comp policy.  Usually, you have to disclose to the underwriter how many employees you have and what you pay them, so that they can come up with a premium cost.

HTH.

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