Guides / Pay, taxes and paperwork
Insurance when someone works in your home
Workers' compensation, homeowners coverage and what to ask a company.
If someone is injured while working in your home, who pays depends on whether they're your employee, your state's rules and your insurance.
Check
- Whether your state requires workers' compensation coverage for household employees, and at what hours or pay
- What your homeowners or renters policy says about injuries to household workers (ask your insurer)
- For companies and contractors: proof of liability insurance and workers' compensation for their staff
General information about hiring household help in the US. Rules vary by state and city. House Help Crew isn't paid by any agency, marketplace or service mentioned here.