Domestic Staff & Executive Protection
Specialized liability protection for affluent households employing domestic staff and navigating elevated public profiles. We structure tailored risk management solutions designed to help shield your family from employment-related lawsuits, targeted cyber threats, and executive risks.
The Household Liability Risk Profile
Employing domestic staff—such as nannies, estate managers, private chefs, and drivers—effectively transforms your home into a workplace. Standard homeowners policies explicitly exclude employment-related lawsuits. Without specialized coverage, claims of wrongful termination, discrimination, or harassment filed by household employees directly target your personal wealth. Furthermore, high-profile families and executives face an elevated risk of cyber extortion, wire fraud, and targeted identity theft that standard personal policies are not equipped to handle.
Core Coverage Considerations
A robust private client strategy specifically addresses the risks of household employment and executive exposure through these specialized components.
Employment Practices Liability Insurance (EPLI)
A critical safeguard for household employers. This is designed to help cover legal defense costs and settlements for lawsuits brought by domestic staff alleging wrongful termination, discrimination, sexual harassment, or breach of contract.
Domestic Workers’ Compensation
Required by law in many states when you employ household help. This coverage is designed to help pay for medical expenses and lost wages if a nanny, housekeeper, or groundskeeper is injured while working on your property.
Personal Cyber & Ransomware Defense
High-net-worth households are prime targets for digital attacks. Enhanced cyber coverage is designed to help cover the costs associated with ransomware extortion, data breaches, and the recovery of compromised personal networks.
Wire Fraud & Social Engineering
Targeted phishing scams frequently focus on family offices and large real estate transactions. This coverage is designed to help reimburse funds lost due to sophisticated wire fraud or fraudulent instruction scams.
Kidnap & Ransom (K&R) / Crisis Management
For executives and affluent families traveling internationally, this highly specialized coverage is designed to help cover ransom demands, deploy expert crisis negotiation teams, and facilitate emergency security evacuations.
Want a review of your household risk exposure?
Basic policies can leave high-value assets exposed. Let us help you build a plan designed to help protect your household and personal legacy.