While we’re on the topic of insurance, MinneMom emiled with a question I’d never considered —
Do you have a separate Workers’ Comp Insurance policy for your au pair?
In the deep dark recesses of my failing memory, I think I discussed insurance with my DH when we were early into the au pair world. We weren’t thinking about insurance for our au pair, but we did have a part time housekeeper (15-20 hrs a week) and two long flights of steep stairs from the sidewalk to our front door that seemed like a hazard at the time. We inquired about insurance, and it turned out that the combo of the housekeeper’s part-time-ness and our over-priced premium homeowner’s policy had her covered.
Now though, I wonder if we weren’t flirting with disaster!
MinneMom offers some important details about requirements, below. And, she tells us that no one she knows has actually purchased workers comp insurance for their au pairs.
Surely, somewhere in this community we have a host parent or two with some expert knowledge of the insurance requirements and options?
At the very least, let’s share our experiences and see the range of strategies.
It has been a while since I have wrote to you and am hoping you and/or some of the AuPair Mom readers can shed some light on whether or not they are carrying a separate policy on their au pairs for workers comp.
It has been brought to my attention recently that host families in certain states (Minnesota and New York being two of them) are required to carry Worker’s Compensation Insurance as per state and federal law. This enforcement is applicable to any au pair who earns at minimum $1,000.00 per quarter.
Here are two sites that provide specific information with regards to Worker’s Compensation Insurance:
I have contacted our insurance agency to see if our homeowners’ policy and/or personal liability umbrella insurance would cover workers’ comp and they are redirecting me to an independent insurance agency that can write a workers comp policy. From the sounds of it, this policy will be around $1,100 per year.
How are we defining when an au pair is workers comp eligible?
The au pair lives in their workplace. If they fall down the stairs in my house, slip on a toy, hurt themselves lifting my child … is this considered a workplace accident? If they slip on ice outside, they are now entitled to paid time off, physical therapy, etc.? And all the while, I am paying for alternate means of child care. Hmmm….
Our area director and other host moms in my cluster have told me that they do not carry such a policy even though it is recommended. I understand some agencies impose fines on host families who cannot provide proof of insurance.
- I do not have such insurance; should I?
- Are there any items I need to address and/or know when this policy is written?
I have to imagine readers either have this insurance and see it as an item that goes along with hosting an au pair OR they are in the dark about this too.
Educate this mom! I would love to hear input! MinneMom