Anonymous wrote: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)?

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.

I agree WC should cover this.

Just so you know, WC can be a real pain in the ass, especially if you have a serious injury that needs in depth care. My former coworker had a claim for a shoulder injury that she got while working. The claim was over 2 years old and still wasn't settled.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote: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)?

What company do you use for your homeowners insurance?

Private insurer that no one has ever heard of.

They are all private. Can you ask your insurance agent about this?

Anonymous wrote:

Anonymous wrote: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)?

What company do you use for your homeowners insurance?

Private insurer that no one has ever heard of.

Anonymous wrote: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)?

What company do you use for your homeowners insurance?

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)?

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Something about this doesn’t sit right with me. Honestly I don’t think that the family should pay for this. They are not a corporation and are probably trying to get by themselves and don’t have extra money to cover your medical bills. If you were my nanny, I would probably let you go if you put me in that possition.

To add to this, I have slipped a few times on ice in front of peoples homes. Yes it hurt and I was upset, but I would never ask someone to pay for my medical bills unless i was seriously hurt.

+1. Find a new job and get insurance. I hate paying my co-pays at the doctor, so I definitely wouldn't pay someone's full medical bills when they were negligent and didnt have insurance.

Workman's comp is not insurance an employee "gets." The employer either gets the insurance so they will be covered or gets sued and has to pay for the medical bills and lost wages. It's the law.

This. Thank you.

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Something about this doesn’t sit right with me. Honestly I don’t think that the family should pay for this. They are not a corporation and are probably trying to get by themselves and don’t have extra money to cover your medical bills. If you were my nanny, I would probably let you go if you put me in that possition.

To add to this, I have slipped a few times on ice in front of peoples homes. Yes it hurt and I was upset, but I would never ask someone to pay for my medical bills unless i was seriously hurt.

+1. Find a new job and get insurance. I hate paying my co-pays at the doctor, so I definitely wouldn't pay someone's full medical bills when they were negligent and didnt have insurance.

13:02 is a perfect example of what a dumb ass says.