It’s good to have a local insurance agent when you have questions regarding liability insurance. New York workers compensation insurance, for instance, may or may not be needed depending on your specific situation. There may also be the option of much less expensive riders which you could add to your policy to fit the bill.
Those who have a business with full-time employees based out of home would most likely need a separate New York workers compensation insurance policy. Since this probably relates to only a small percentage of homeowners, this type of policy will not be needed in many domestic employees and homeworker situations.
One thing to consider with the help in an around the house is the number of hours worked. When the total number of hours worked in or around the home by a worker is less than 40 hours, you may be fine just adding a rider to your homeowner’s policy to cover him / her. However, you will need to be careful to make sure you have all your bases covered since there may be times you will want to make sure your hired helpers have their own insurance coverage. Your local agent is the one to guide you through the available options and concerns regarding New York workers compensation insurance and coverage for home help.
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