Bhalu Insurance

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)
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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 cargivers 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)
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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.

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

Please see our State by State breakdown here.