Insure your carers to avoid any complications
What is domestic workers insurance?
Domestic staff insurance covers the financial consequences of an accident* involving any persons who come to your home to provide assistance in return for remuneration (domestic help, gardener, handyman, babysitter, governess, carer, etc.).
*Please note that this type of insurance does not apply to personnel who are self-employed or working for a company.
Therefore, if you hire a professional gardening company to mow your lawn, you do not need to take out this domestic staff insurance. This is because the employer of the person who comes to your home is the company that employs them. It is this company that is obliged to take out insurance. assurance accidents du travail.
What does domestic staff insurance cover?
You can only claim on your domestic staff insurance for damage caused to the domestic staff you employ. Furthermore, this damage must have been caused by an accident at work or an accident that occurred on the way between their home and your home.
The compensation is paid by your insurance to cover:
- Medical expenses following the accident.
- Loss of earnings, if the victim is temporarily unable to work.
Exceptions :
Domestic staff insurance does not cover:
- Property damage (clothing, equipment, car, etc.) caused to the person you employ.
- Damage caused by the person you employ to other persons outside your household. Having requested their services, you may be held liable. In this case, you can request assistance from your insurer. RC familiale.
Example: You pay someone to come and replace a tile on your roof, and the person drops the tile, injuring a passer-by.
In this case, you may be held liable for damages and have to involve your insurance company. RC familiale.
- Damage caused to you by the person you employ.
Example: While cleaning the furniture, the person you employ to clean your home breaks an antique Chinese vase.
If the person cannot afford to reimburse you, it will be difficult for you to obtain compensation. Please note that if you use a professional company, such as a service voucher company, for example, that company is liable for any damage caused by the person performing the tasks in your home. These companies generally take out business liability insurance, which may compensate you. If the company does not have such insurance, it will generally have greater financial resources than an individual, which will give you a better chance of being compensated. In any case, your legal protection insurance, if you have one, can help you obtain compensation for the damages you have suffered.
- Certain functions, such as chauffeur, concierge or stable boy duties. You must report these to your insurer so that your cover can be adjusted if necessary.
- Certain tasks, such as roofing work or tree felling. The inclusion of these tasks in the cover may be negotiable with the insurance company.
Source : Wikifin.