Domestic Staff Liability Insurance
Protect your home, your reputation, and your staff
Why You Need Domestic Staff Coverage
Whether you employ a full-time nanny, part-time housekeeper, private chef, caregiver, or live-in manager — the moment someone works inside your home, you become an employer. And with that comes real liability.
Injury. Discrimination claims. Wrongful termination. Harassment allegations. Wage disputes. Without the right insurance, a simple misunderstanding could become a very expensive problem.
At United Coverage, we provide discreet, comprehensive coverage designed to protect your home, your reputation, and your staff — so you can focus on living, not litigating.
What Does Domestic Staff Liability Insurance Cover?
This policy fills the gaps most homeowners don’t even know exist — and that standard homeowners insurance won’t touch.
Employment Practices Liability (EPLI)
What it covers: Claims of wrongful termination, discrimination, harassment, or wage/hour violations.
Why it matters: Domestic workers are entitled to the same rights as corporate employees — and claims are on the rise.
Workers’ Compensation (State-mandated in NY)
Covers medical expenses, lost wages, and rehab if your staff member is injured while working.
Required by law for most domestic employees, including nannies, home aides, and housekeepers.
Third-Party Liability
Protects you if your employee causes property damage or injury to someone else while on the job (e.g., a nanny accidentally injures another child at the playground)
Defense Costs
Covers legal fees associated with defending a claim — even if it’s baseless or eventually dismissed
Who Needs This Coverage?
If you employ any of the following — even part-time — you should consider coverage:
- Nanny or au pair
- Housekeeper or cleaning service
- Private chef or butler
- Elder care or home health aide
- Chauffeur or personal driver
- Property manager or estate staff
- Groundskeepers or handymen
- Tutors or live-in educators
If they work in your home — even a few days a week — they can file a claim. We make sure you’re protected before it happens.
Legal & Financial Exposure in New York
- New York mandates Workers’ Comp for domestic staff working 40+ hours/week
- Many lawsuits stem from verbal misunderstandings, not bad intent
- Defense alone can run $25,000+ — even without a payout
Why United Coverage?
- Confidential, judgment-free service — this is your home, your privacy matters
- We understand the lifestyle and the risks — and how to keep both protected
- Policy coordination with homeowners, umbrella, and high-value coverage
- Experience with private households, family offices, and multi-residence clients
Let’s Keep Your Household Covered — Front to Back
Your home runs on trust. We make sure that trust is protected — legally and financially.
Let’s Talk Coverage That Works
