Workers Compensation

WORKERS’ COMPENSATION INSURANCE FOR HOUSEHOLD EMPLOYERS

Get Started

HomeStaff Protect

WORKERS’ COMPENSATION INSURANCE FOR HOUSEHOLD EMPLOYERS

Get Started

Workers Compensation

Nanny

Pricing is based on the state you live in and how many nannies you have (except in Oregon – pricing is based on how much you pay your nanny)
One policy covers the entire house (you can change nannies throughout the year and you do not need to buy a new one)

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Nanny

Pricing is based on the state you live in and how many nannies you have (except in Oregon – pricing is based on how much you pay your nanny)
One policy covers the entire house (you can change nannies throughout the year and you do not need to buy a new one)

Learn More

Senior Caregiver

Pricing is based on the state you live in and how much you pay your senior caregiver(s) (except in California – pricing is based on how many senior caregivers you have)
One policy covers the entire house (you can change senior cargivers throughout the year and you do not need to buy a new one)

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Housekeeper / Domestic Employee

Pricing is based on the state you live in and how many housekeepers you have (except in Oregon – pricing is based on how much you pay your housekeeper)
One policy covers the entire house (you can change housekeepers throughout the year and you do not need to buy a new one)

Learn More

Welcome to

HomeStaff Protect

The team at All Risks, Ltd. is proud to support HomeStaff Protect, a specialized workers’ compensation program designed to meet the unique needs of families with nannies. We have collaborated with the Care.com HomePay experts and an A- rated insurance carrier to provide this vital protection to domestic employers.

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What Our Clients Say

I found the instant quote portal functionality on https://homepaywc.com/ easy to use. I appreciated being able to get an estimate and get the policy creation process started.

Andrew A,

It was such a relief to get the coverage we needed for our new household employee. Your response time to my inquiry was under 24 hours! Other companies I spoke to have still not gotten back to me with a quote or just told me they couldn’t help. Your assistance in procuring the proper coverage and answering all my questions with regard to same is greatly appreciated.

Dawn C,

Clarke – thanks for your help here. I spoke to NY State and I am now in compliance and up to date for workers comp and for disability. Thanks so much again for your help and rest assured anyone I meet, who needs to acquire coverage, I will be sure to send them your way.

Simon G,

frequently asked questions

Why is Workers’ Compensation insurance so important?

Families that don’t have workers’ compensation insurance coverage take on significant risk if there is ever a workplace injury. This means paying out-of-pocket for the employee’s lost wages and medical expenses. A significant accident could be financially devastating. Here is a real-life case.

In addition to financial liability, in states where workers’ compensation is required, there are substantial fines for non-compliance. Finally, workers’ compensation insurance provides legal protection because employees who accept benefits generally forfeit their right to sue the employer – regardless of fault.

What states can coverage be written in?

We handle almost every state in the country. Please complete the application, or reach out to Clarke White @ Clarke.white@rtspecialty.com to learn more!

Phone: 804-267-1210
Email: Clarke.white@rtspecialty.com

What are the Workers’ Compensation requirements by state?

The workers’ compensation requirements for household employers are unique in every state. To learn more about the requirement in your state specifically, click here.

HomeStaff Protect

“Simplifying the workers’ compensation process for household employers.”

Case Studies

July 28, 2021

What Happens if…You Have a Policy and Your Employee Is Injured?

We had a client purchase a policy for their senior caregiver taking care of a

June 28, 2021

New York Clients

On a weekly basis, we get calls from frantic clients who have received a letter

May 28, 2021

What Happens If….I do not have a policy and my employee is injured?

In many states, it is not a legal requirement to purchase a workers’