Suppose you hire domestic workers in Michigan for 35 hours or more per week for at least 13 weeks during 52 weeks. In that case, your home is considered a workplace, and you must have a workers’ compensation insurance policy. This policy can help cover medical expenses and lost wages if an employee has a work-related injury or illness while working in your home. It’s important to note that workers who accept benefits generally forfeit their right to sue the employer regardless of fault. Domestic workers include nannies, home health care workers, or anyone who performs household services full-time.
Why do you need Michigan workers’ compensation insurance if you employ a domestic worker?
If a workplace injury occurs in your home. Homeowners may be responsible if you do not have workers compensation insurance coverage. The employer’s liability could include covering the employee’s medical expenses, doctor visits, rehabilitation, medication, and lost wages. A severe accident involving your domestic worker could be financially devastating for your family. In addition to financial liability, Michigan can impose substantial fines with the Bureau of Workers’ Disability Compensation for not having a worker’s compensation policy.
The Penalties if you do not carry Michigan Workers Compensation
Employee sustaining an injury while working can sue their employer for civil damages. If the employer is found responsible for the injury, it may be held liable to cover the medical expenses and lost wages of the employee.
Is their homeowners insurance protection if an employee sues you?
Homeowner’s insurance does not cover employees, such as nannies or domestic workers. Homeowners protects the homeowners from workers injuries that occur while working on your property.
How to get a Michigan Workers Comp policy for your domestic worker
To purchase worker’s compensation insurance in Michigan, you can either fill out the information on the coverage you need by clicking the MI Worker’s Compensation Quote button or call 248-277-4505 to speak to a Michigan insurance agent.
