Coverage for your childcare
Protect your Nanny and Yourself with a Nanny Workers' Comp Policy
Prevent nanny claims from happening, properly manage the ones that do, and to stay in compliance with Massachusetts employment laws
When do I need to buy workers' compensation nanny insurance?
Workers compensation insurance in Massachusetts is a legal requirement for almost all businesses. As soon as you hire your first employee (that's right, even a nanny or au pair), you are required to have coverage.
Workers compensation insurance coverages and rates are regulated by the state. There may be a waiting period, so you could be putting your employees at risk if you don't secure the coverage before an incident occurs.
Common workers' compensation claim statistics
You may think your home is a safe place for your nanny, but there is no way you can anticipate it all. Even a minor injury can be costly.
What is (and is not) covered by workers compensation insurance?
Like every other form of business insurance, workers compensation insurance has a list of conditions and exclusions. Understanding what is (and is not) covered will help you make sure your employees are properly protected.
What is typically covered?
Injuries to all employees regardless of hours worked
Lost wages (limited)
Ongoing care expenses
Treatment for work-related illness
Repetitive injury care
Disability benefits (limited)
What is not typically covered?
Small cuts/scrapes remedied by a first aid kit
Injuries sustained outside the scope of work
Injuries to individuals that are not your employees
Injuries to sole proprietors, members or partners of an LLC or Partnership (optional)
Out of state operations (optional)
Got nanny workers compensation insurance questions? We’ve got answers.
Getting workers' compensation for your nanny or au pair may be confusing. Here are some questions you may be asking yourself before securing the workers compensation coverage you need.
Do I need workers compensation insurance for my nanny?
Shouldn't health insurance cover my nanny's injuries?
How much does nanny insurance workers compensation insurance cost?
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Fulfill the Massachusetts requirements for your business with workers compensation insurance
You want the person who's protecting your child to be protected themselves. So don't wait -- simply fill out this form and a member of our commercial team will be in touch.