Worker's Compensation
If you employ household staff, contractors, or part-time help, you carry responsibilities as an employer. Worker’s Compensation Insurance protects you and your employees by covering medical expenses and lost wages if a work-related injury or illness occurs. With Riemer Insurance, you can meet your legal obligations while ensuring that those who support your home and family are cared for properly.
Typical Risk Scenarios We Help Solve
Riemer Insurance helps homeowners and families navigate the complexities of employing domestic staff. We assist when a housekeeper is injured while performing cleaning duties, when a caregiver experiences a work-related fall, or when a landscaper is hurt while maintaining a property. Our advisors ensure that your policy covers these situations seamlessly, preventing costly disputes and providing peace of mind for both employer and employee.
Why Choose Riemer?
At Riemer Insurance, we understand that managing a household often comes with responsibilities similar to running a business. For more than forty years, we have helped clients protect their homes, employees, and lifestyles with thoughtful, reliable coverage. Our advisors work closely with you to identify your exposures, comply with state requirements, and secure protection that fits your household’s needs. Backed by trusted carriers and responsive service, Riemer provides the assurance that everyone under your roof is protected.
Who We Cover
-
Homeowners with domestic employees such as nannies, housekeepers, or caregivers
-
Property owners with maintenance or landscaping staff
-
Individuals employing part-time or seasonal household help
-
Families employing drivers, personal assistants, or in-home service providers
Core Coverages
Our Worker’s Compensation policies provide financial protection and peace of mind for both employers and employees:
-
Medical expenses – coverage for treatment related to work injuries or illness
-
Lost wages – compensation for income lost during recovery
-
Rehabilitation services – coverage for therapy or retraining if needed
-
Employer liability coverage – protection from lawsuits related to workplace injury claims
-
Death benefits – financial support for dependents in the event of a fatal workplace injury
