Did you have any workers compensation insurance for your nanny? I'm guessing I should call my homeowners ins to find out what is covered......
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Is your nanny on the books? If so, you may need to get worker's comp insurance - here it's through the state insurance fund, and I think it's just an annual payment (like $600 or something).
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Ours in on the books, and I think that cost *may* be part of what we pay through HomePay but I'm not positive.
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We are in NYC and also go through Homepay. We had to buy the insurance through the state. I doubt you already have it through homeowners.
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She is on the books.
I just signed up through HomePay and the last step was asking me about whether I wanted to purchase workers comp insurance. Well, shit, I thought. I said no but now that I think about it I probably have to. This nanny is costing me a whole lot more than I had anticipated.
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@winniebee: I don't think you are required to have WC insurance for a nanny in ME.
Check out page 3: http://www.maine.gov/pfr/insurance/consumer/pdf/Workcomp_Employer_Guide.pdf
Employers Who are Not Required to Have Workers’ Compensation Coverage:
Employers of domestic servants in a private home.But you might want to call the WC Board to make sure - not sure how they define "domestic servant" tho seems like a nanny would fall under that term. Surprising, since we levy like every other tax on employers!
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@yoursilverlining: haah I was looking at that's what i concluded when I briefly looked....
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6 comments