Owens Group understands the importance of protecting your home and those who help maintain it. Domestic workers play a vital role in helping you maintain your household. At the same time, this can leave you exposed should one of your domestic employees have a work-related injury or illness. This is where Domestic Workers’ Compensation steps in.
Domestic workers include chauffeurs, nannies, home health aides, au pairs, nurses, baby-sitters, maids, cooks, housekeepers, laundry workers, butlers, companions, and gardeners working in a private household. If your household employee is injured or becomes sick, you may be personally responsible for covering their related medical costs and for paying their regular wages while they are not working. Workers’ Compensation provides financial protection for both you and your employees in the event of a workplace injury or illness.
Domestic Workers’ Compensation insurance typically covers:
for medical treatment related to work-related injuries or illnesses, including hospital bills, medications, and rehabilitation.
Compensation for a portion of the employee’s lost wages if they are unable to work due to a work-related injury or illness.
Financial support for permanent or temporary disabilities resulting from a workplace injury or illness.
Financial assistance to the family of an employee who dies as a result of a work-related injury or illness.
In many jurisdictions, providing Workers’ Compensation insurance for domestic workers is a legal requirement. For example, in New York, any domestic worker employed (other than those employed on a farm) by the same employer for a minimum of 40 hours per week must have Workers’ Comp insurance. New Jersey stipulates that all household employers obtain coverage for any part-time or full-time domestic employee. And Connecticut mandates that any domestic worker employed 26 hours or more per week by one employer must be insured under Workers’ Comp insurance. Failing to comply with these regulations could result in fines, penalties, and legal liabilities.
By investing in Domestic Workers’ Compensation insurance, you not only protect your financial interests but also demonstrate your commitment to the well-being of your employees. With the right coverage in place, you can have peace of mind knowing that you’re prepared for the unexpected.
Don’t wait until it’s too late. Protect your home, your employees, and your peace of mind. Contact our office to learn more about our comprehensive coverage options and get a personalized quote today.
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Planning a Special Event is an exciting endeavor, whether it’s a wedding, birthday party, retirement party, Bar or Bat Mitzvah, or charity fundraiser. However, for all the time, money, and effort that goes into planning your event, many possible exposures can threaten its outcome. Special Event insurance can give you peace of mind and let you concentrate on making your special day a success.
Owens Group understands that every event is unique, which is why we will work closely with you to tailor a Special Event insurance policy to meet your specific needs.
Contact us today to learn more about our Special Event Insurance options and request a quote for your upcoming event.
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We understand that every journey is unique, and that’s why we offer comprehensive Travel Insurance coverage tailored to your specific needs. Whether you’re planning a relaxing beach vacation, an adventurous trek through the mountains, or a business trip abroad, we’ve got you covered.
For travellers who take multiple trips per year or those interested in single trip travel plans, we understand that every traveller has specific requirements. That is why we offer customizable Travel Insurance plans designed to fit your individual needs.
Contact us today to learn about our specific coverage options and get a personalized quote for your upcoming trip. Your peace of mind is our priority, no matter where your travels take you.
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