Domestic Employee Coverage


You hire your neighbor’s child to baby sit or mow the lawn, are they considered domestic employees – and should you be concerned about insurance protection – in most cases no!  But in general, if you hire someone to work in your home – even if only on a part time basis you may need insurance protection.

Contrary to what many people believe, your homeowners insurance will not protect you when you have “domestic employees.”

Examples of domestic employees include:

  • Gardener
  • Housekeeper
  • Nurse
  • Personal Assistant
  • Driver
  • Estate Manager/Caretaker
  • Nanny
  • Nurse/Personal Care Assistant
  • Personal Chef

It is important to make sure you are fully protected.  Call us a Doherty Insurance – we will provide a comprehensive risk profile to ensure you are adequately protected.




Doherty Insurance Agency
21 Elm Street
Andover, MA. 01810
Telephone: 978-475-0260
Fax: 978-475-0303