Workers Compensation
A specialized program designed to meet the unique needs of families with domestic employees (nannies, senior caregivers and housekeepers).
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)
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 cargivers throughout the year and you do not need to buy a new one)
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)
Bhalu Insurance Services
“Simplifying the workers’ compensation process for household employers.”
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. Here is a real-life case.
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.
Please see our State by State breakdown here.
