Clients who hire nannies to care for their kids or dog walkers to watch their furry loved ones might want to think about whether their insurance is broad enough to cover such workers. If they have personal chefs, ditto. And other clients who run pet-sitting or grooming businesses, in-home plant care services, or who cater meals or act as personal concierges should think about it, too.
People hired to perform in-home or around-the-home services, whether covered by their own insurance or not, might end up being unintentionally covered by–or suing–the person who hired them in case of accidents. The nanny, for instance. What if she’s driving your car to pick up the kids? Your car insurance may not cover her. If she trips on a kid’s toy and falls, you may have to pay worker’s compensation–or be sued. Suppose your personal chef is burned in a kitchen fire or serves a meal at which guests fall ill–or your personal concierge is struck by an uninsured car as he crosses the street to pick up your dry cleaning.