While hiring a nanny does not strictly require a specialized commercial insurance policy, evaluating your liability exposure and insurance coverages is strongly recommended. If your nanny suffers a physical injury while working inside your home, you could face severe financial liability claims. Many standard homeowners insurance policies include basic premises liability, but they may exclude domestic employee injuries. To protect yourself against lawsuits and ensure compliance with regional labor laws, homeowners often add an endorsement for domestic workers or workers' compensation insurance, or increase their personal umbrella policy limits to cover potential caregiver injury claims.
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