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Submit a Question
What insurance issues are there when I hire a nanny?
There are many issues surrounding insurance and hiring a domestic. These include worker's compensation, health insurance, automobile insurance, disability insurance and more. May we suggest:
PROTECT YOUR NANNY: 1-800-777-5765
Eisenberg Associates is the Official Insurance Representatives of the INA [International Nanny Association]. Medical and Life Insurance Products.
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Unemployment Insurance
4Nanny Taxes.com [HomeWork Solutions Inc.]: Website includes State Unemployment Insurance information, as well as Payroll Tax assistance. 1-800-626-4829
Disability Insurance
Many states collect employee disability insurance levies as part of their payroll tax system. New York state in particular requires that you obtain a specific policy of insurance. 4Nanny Taxes.com [HomeWork Solutions Inc.]: Website includes State Disability Insurance information, as well as Payroll Tax assistance. 1-800-626-4829
Please discuss your insurance needs with an agent licensed in your state. Be very sure the agent understands that you are employing a domestic worker in your private residence. 23 states require that household employers obtain this insurance, you want to make sure you are covered. Your homeowners insurance will generally NOT cover injuries to an employee.
Automobile Insurance If your nanny drives your personal vehicle, you need to advise your insurance company. Additional coverages may be required, and your nanny's age may effect your rates. Please discuss your insurance needs with an agent licensed in your state.
If your nanny drives YOUR children in HER car, she needs to get business use coverage with her insurance. We do not recommend the nanny use her own vehicle for a variety of reasons, including insurance complications.
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