Solutions for Employers of Private Staff

Do you employ a housekeeper, private assistant, gardener or nanny? If so, you may need to purchase workers' compensation insurance.

Many states require employers to demonstrate that they have the financial ability to pay any claims that arise as a result of workplace injuries.¹ Usually, this ability is demonstrated through the purchase of workers' compensation insurance.

Workers' compensation insurance provides benefits to employees who are injured or become ill in the course of and due to employment. Features include:

• Nationwide coverage
• Limits of up to $1 million available
• Coverage for work related physical injury of illness to your private staff employees
• Defense in those instances when an employee brings a workers' compensation lawsuit against you

¹ Laws vary by state

Unfortunately, it's not uncommon for nannies, housekeepers, private assistants, gardeners and others to take their employers to court. Employment Practices Liability Insurance (EPLI) responds to claims of wrongful termination, sexual harassment, discrimination and other suits brought forward by domestic employees. Features include:

• Coverage limits up to $250,000 per claim; up to $250,000 annually.*
• Choice of defense representation from a national panel of preeminent defense firms
• Payment for defense costs outside your policy limits
• Access to the Employment Crisis Fund^TM for high-profile incidents related to an EPLI claim. Up to $25,000 can be used toward a public relations firm to help minimize damage to your reputation.

*Limits are per occurrence and annual aggregate, respectively.