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Domestic Staff Coverage for the People Who Help Support Your Home and Lifestyle

When your household relies on domestic staff, your insurance strategy should reflect that responsibility. Domestic staff coverage is designed to help address the risks associated with employing individuals who work in and around your home, such as housekeepers, nannies, chauffeurs, caretakers, chefs, estate managers, and other household employees. At Lumenasa, we help clients review their options and find protection that fits their household structure, staffing needs, and overall risk exposure.

Why Domestic Staff Coverage Matters

Bringing employees into your home can create exposures that go beyond a standard homeowners policy. Workplace injuries, employment-related liability, payroll-related requirements, and other household staffing risks can all become important considerations when domestic staff are part of your day-to-day life.

Domestic staff coverage helps provide a more intentional approach to protecting both the household and the employer. The right coverage can help support compliance, reduce financial exposure, and create more confidence around the responsibilities that come with employing staff in a private residence.

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Why Clients Choose Lumenasa

We believe household risk management should reflect the realities of how your home operates. Our team takes the time to understand your staffing structure, explain your options clearly, and help you choose coverage that supports your household, your responsibilities as an employer, and your broader protection strategy.

What Is Covered?

  • Workers’ Compensation Coverage: Helps provide benefits for eligible work-related injuries or illnesses involving household employees, subject to policy terms and applicable requirements.
  • Employer Liability Coverage: Helps protect you from certain covered claims related to injuries or incidents involving domestic staff that may extend beyond standard workers’ compensation benefits.
  • Employment Practices Liability Coverage: Helps provide protection for certain covered claims involving allegations such as wrongful termination, discrimination, harassment, or other employment-related issues, depending on the policy.
  • Payroll and Classification Support: Helps align coverage with household employment roles, payroll needs, and proper worker classifications based on the structure of your household staff.
  • In-Home Injury Protection: Helps address certain covered incidents that may occur while domestic staff are performing duties at your residence.
  • Residence Employee Liability Coverage: Helps provide added protection for qualifying liability exposures related to employees working in or around the home, depending on the policy structure.
  • Multi-Property Staff Considerations: Helps address coverage needs when household staff work across multiple residences or properties, depending on the policy and employment setup.

Request A Personal Risk Review

See what a review of your current insurance coverage uncovers. You may find that you’re adequately protected. You may find otherwise. Either way, you deserve to know for your peace of mind.

Let’s take a look at your situation at no obligation or cost.

Request A Personal Risk Review
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