Who pays for house cleaners’ workers compensation insurance? So when a maid gets hurt while cleaning your home, workers’ compensation insurance should pay the cost of their medical bills and (if the injury prevents them from working) lost salary. Like all workers, injured maids and house cleaners can tap into workers’ compensation benefits to cover the medical bills associated with illnesses and injuries they sustain on the job. In some cases, these different types of coverage may be combined in a single business owner policy (BOP). To properly protect themselves, their employees, and their clients, house cleaners should have general liability coverage and workers compensation insurance. Read your policy carefully or talk to your agent to figure out if you have sufficient coverage for your domestic employees. Note: Some homeowners policies provide a limited amount of coverage for business activities, and some insurers offer additional coverage through endorsements. But because a maid or house cleaner is someone you pay to come to your house – a domestic employee, technically – insurance companies don’t usually consider them visitors or guests and so don’t pay for their injuries. If a guest at your home got hurt and required medical treatment, the personal liability or medical expenses portion of your homeowners insurance would likely cover the bills. Your insurance may cover your claim if the situation fits the details in your policy.īut it may be a very different story if someone from the cleaning service gets hurt while working on your house. For example, say your home cleaning service uses the wrong solution and ruins your hardwood floors. That said, your home insurance may cover damage your cleaner causes. We’ve said it before, and we’ll say it again: Coverage for just about anything depends mainly on the language in your policy. Does home insurance cover house cleaners? The short version: you may have insurance needs beyond your basic homeowners policy. In this article, we go into a little more detail about what you need to know about insurance when you hire a maid or house cleaning service. We’ve looked at how your homeowners insurance doesn’t cover household employees before.
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