Domestic Employment Liability
Corporate-level employment practices protection for families employing nannies, private chefs, and estate managers.
Operational Risk Profile
If you employ a nanny, private chef, estate manager, or groundskeeper, you are operating as an employer. You are exposed to the exact same complex employment laws as a commercial business. Primary risks include lawsuits alleging wrongful termination, sexual harassment, wage-and-hour disputes, and severe workers’ compensation claims if a staff member is injured on your property.
Core Coverage Considerations
While every household has a unique risk profile, a foundational risk management strategy typically includes the following core coverages.
Employment Practices Liability Insurance (Domestic EPLI)
Provides legal defense and settlement coverage for allegations of discrimination, wrongful termination, or harassment brought by domestic employees.
Domestic Workers’ Compensation
Mandatory in many states, this covers medical bills and partial lost wages for staff members injured while working in your home, protecting you from direct personal injury lawsuits.
Background Check & Risk Mitigation Services
Elite carriers often provide access to complimentary background screening and HR consulting services to help you manage domestic staff legally and safely.
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