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Richard, Attorney
Category: Legal
Satisfied Customers: 55594
Experience:  Attorney with 29 years of experience.
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LIABILITY INSURANCE QUESTION: I am signing up for new insurance

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I am signing up for new insurance (State Farm) which will include a million dollar general liability policy over and above the $300,000 liability that is included in my homeowners.
I have recently hired a cleaning lady who comes to my house once a week.
I feel its my responsibility to take care of her if something should happen while she's there.
If she slips on the icy deck, or falls off the stepstool, will I be covered?
My fear is that the insurance company will say to me, "No, she was in your employ - this is a workman's comp deal and we're not paying." Or some other reason not to pay.
This is a little old lady that gets paid $75 cash every week. There is nothing in writing between us and I have no idea if she even files a tax return.
Hi! My name is XXXXX XXXXX I look forward to helping you!

Whether or not domestic workers are covered under your liability policy depends upon their status and how much they work. Full-time domestic employees, such as housekeepers and nannies, are not going to be covered under this policy unless you get a special rider attached to your policy. But, occasional domestic workers..i.e., those who work less than 35 hours a week are covered under standard homeowner/umbrella policies. Therefore, you should not require a rider for your cleaning lady. But, it's always a good idea to check specifically with your insurance agent regarding your specific facts to be 100% sure. I always recommend you do this through email so that you have documentation if a problem should arise in the future.

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Thank you so much for the positive rating! I truly appreciate you taking the time to do that!
Thank you also for the bonus! I appreciate your generosity and your kindness! Have a great day!