Employing a housekeeper? Employers insurance is a legal requirement. Here are some pointers to help make sure you have the right kind of coverage. Click To TweetAccidents can and do happen no matter how cautious you are. You are legally required to have insurance if you employ someone in the UK. Read on to learn more about the type of insurance coverage required when employing a housekeeper.
Why do I Need Insurance?
Not having employers liability insurance is a criminal offence. If you’re an employer in the UK, you could be fined £2,500 for each day you are not properly insured.
Employers in the UK are legally required to have liability insurance. Your insurance policy must be issued by an authorized insurer and cover you for at least £5 million.
So if you employ a housekeeper, you must have employers liability insurance, in case an employee becomes ill or is injured while working for you. If an employee makes a compensation claim against you, and a court finds you liable, that’s when the insurance kicks in. For further detailed information see here.
Easily Make Sure You are Covered
Most household contents insurance policies include coverage for domestic workers such as housekeepers and nannies. However, the limitations of liability are not always always clear, so you should study all your insurance paperwork closely. You’ll often find these details hidden in the small print. We strongly recommend that you ensure you fully covered by checking with your insurance company.
If you aren’t fully covered you should arrange a separate insurance policy.
If you believe you don’t have enough cover, arrange a contingent policy to fit in with your household policy and give sufficient coverage.
What if you use a Self Employed Housekeeper?
A self employed housekeeper should have their own insurance, so in theory, employer liability should no longer be an issue for you. However, you should still consider getting coverage for public liability, in case your housekeeper falls and injures themselves due to your perceived negligence and makes a claim against you.
Household contents insurance policies usually include public liability coverage but the details can be hidden in the small print. We strongly recommend that you check with your insurance provider to ensure you are fully covered.
If you feel you need more cover then speak further with your insurer. They may be able to increase your cover for an extra charge.
Whilst not a legal obligation, a self employed housekeeper should consider carrying their own public liability insurance. It provides compensation for damage or injury caused to their clients or the general public resulting from their work. The extent of coverage depends on the policy. You may not be covered for the cost of items damaged while being worked on, or the cost of replacing locks if house keys are lost.
A good housekeeper will be happy to show you their policy when asked.
If you use an agency or company that employs staff, that agency should have its own employers liability insurance as well.
Take These Simple Steps
If you employ your housekeeper
- Contact your current household contents insurance provider and check you have suitable domestic employers liability cover.
- If you require extra coverage, arrange for a suitable insurance policy with a reputable company.
- if you aren’t covered, arrange a separate policy with a reputable company.
If the housekeeper is self employed
- Check with your housekeeper whether they have public liability insurance. Ask to see their policy.
- Contact your current household contents insurance provider and check whether you have suitable public liability insurance cover.
- If you require extra coverage, speak with your insurer to see if the cover can be increased for an extra charge.
- Arrange a separate policy with a reputable company if you aren’t covered.
Prevention is Always Best
Whilst we can never remove risks completely, a trained housekeeper that knows how to work safely will minimize risks such as by lifting items correctly and by using chemicals safely. Polo & Tweed can offer housekeeper training tailored to your specific needs. We can provide training in situ or at our own venue. For further information please see here.
Polo & Tweed is an international recruitment agency specializing in domestic staff. We place all domestic staff including housekeepers, nannies and butlers all over the world. Based in London’s Mayfair, we help find the right people to work with your family. If you are looking to hire the perfect housekeeper for your home, Polo & Tweed can help. To find out how we can help please call on +44(0)203 858 0233 to speak with one of our friendly consultants or contact us here.
Polo & Tweed can help guide you through the process of hiring your own housekeeper.