Domestic Employee Coverage

Most Homeowners insurance policies include coverage for strictly incidental employees around your home. In most cases, you do not need to worry about purchasing additional insurance to cover your neighbor’s children when they come by to help shovel snow or to mow your lawn!

However, if you employ someone – even on a part-time basis – you will need to take action to be certain that you are properly covered.

Some examples include:

• Cook
• Housekeeper
• Nurse
• Personal Care Assistant
• Au Pair
• Gardener
• Chauffeur
• Body Guard

Rules can differ by State of residence. So, please check with your Fred C. Church representative, he or she will be able to advise you.