Bhalu Insurance

Workers
Compensation

Insurance for household employees

Learn More About Us

Nanny

  • Pricing is based on the state you live in and how many nannies you employ (except in Oregon – pricing is based on how much you pay your nanny)
  • One policy covers the entire house (you can change nannies throughout the year and you do not need to buy a new one)
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Senior Caregiver

  • Pricing is based on the state you live in and how much you pay your senior caregiver(s) (except in California and New York – pricing is based on how many senior caregivers you employ)
  • One policy covers the entire house (you can change senior caregivers throughout the year and you do not need to buy a new one)
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Housekeeper / Domestic Employee

  • Pricing is based on the state you live in and how many housekeepers you employ (except in Oregon – pricing is based on how much you pay your housekeeper)
  • One policy covers the entire house (you can change housekeepers throughout the year and you do not need to buy a new one)
Learn More

Welcome to
Bhalu Insurance Services

The team at RT Specialty is proud to support Bhalu Insurance Services, a specialized workers’ compensation program designed to meet the unique needs of families with domestic employees (nannies, senior caregivers and housekeepers). We have collaborated with AmTrust, an A- rated insurance carrier.

What Our Clients Say

Clarke – thanks for your help here. I spoke to NY State and I am now in compliance and up to date for workers comp and for disability. Thanks so much again for your help and rest assured anyone I meet, who needs to acquire coverage, I will be sure to send them your way.
SIMON G
It was such a relief to get the coverage we needed for our new household employee. Your response time to my inquiry was under 24 hours! Other companies I spoke to have still not gotten back to me with a quote or just told me they couldn’t help. Your assistance in procuring the proper coverage and answering all my questions with regard to same is greatly appreciated.
DAWN C
I found the instant quote portal functionality easy to use. I appreciated being able to get an estimate and get the policy creation process started.
ANDREW A
Thank you for taking the time to answer all of my questions about Workers comp. I’ve never been in the situation before where I’ve needed to use workers comp, so I went into this conversation with you knowing very little. I can’t tell you how much I appreciate your patience and your ability to explain concepts clearly. I was concerned that my questions were foolish, but you were quick to remind me that there is no such thing as dumb questions. Having taught elementary school for 31 years of my life, I cannot tell you how delighted I was to hear this response.
BRADFORD H

Frequently Asked Questions

Families that don’t have workers’ compensation insurance coverage take on significant risk if there is ever a workplace injury. This means paying out-of-pocket for the employee’s lost wages and medical expenses. A significant accident could be financially devastating. 

In addition to financial liability, in states where workers’ compensation is required, there are substantial fines for non-compliance. Finally, workers’ compensation insurance provides legal protection because employees who accept benefits generally forfeit their right to sue the employer – regardless of fault.

We can write coverage in all states, except AK, ND, OH, WA, WY

Please see our State by State breakdown here.

Click Here To See More FAQ's

Bhalu Insurance Services

“Simplifying the workers’ compensation process for household employers.”

Case Studies

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On May, 12 2022

What Happens if…You Have a Policy and Your Employee Is Injured?

Buying an insurance policy for a domestic worker (such as a nanny) is not a legal requirement in m..

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On May, 18 2022

New York Clients

An increasing number of US families report spending 10% more than in previous years for child care..

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On May, 18 2022

What Happens If….I do not have a policy and my employee is injured?

In 2019, over 2.8 million nonfatal injuries occurred in the workplace. Household employees, like a..