Workplace Insurance for Household Employers

Hiring a worker for your home, such as a nanny, senior caregiver, personal assistant, or housekeeper, or employing an estate staff, brings convenience and efficiency to your family. You also take on some risk as a household employer.

Mitigate these risks, avoid costly labor compliance issues, and protect your assets with workplace insurance coverage for household employers and high-net-worth families.

It’s the protection and peace of mind you need when employing workers in your home.

Through our affiliate, GTM Insurance Agency, we can establish the right protections, implement best practices for household employment, help ensure a safe and risk-free work environment, simplify the process of obtaining insurance coverage, and provide exceptional client support every step of the way.

GTM can also protect your assets and lifestyle with customized, personal insurance policies.

Employee Theft and Dishonesty

Employee Theft and Dishonesty coverage protects household employers from financial losses due to an employee’s dishonesty or theft of cash, checkbooks, credit cards, or any other property.

Employment Practices Liability Insurance

EPLI protects household employers from costly litigation and damages arising from claims made by employees alleging discrimination, wrongful termination, harassment, and other employment-related issues.

Umbrella Insurance

Umbrella insurance provides an extra layer of protection beyond the limits of the policyholder’s homeowners, auto, and watercraft personal liability limits. It kicks in when the liability limits of these other policies have been reached.

Second Home Insurance

Specifically designed for a second or vacation home, second home insurance typically faces different risks and might have different coverage requirements due to the nature of how and when the property is used.

Ransom Insurance

This specialized type of insurance is designed to protect individuals and families against the financial losses associated with kidnappings, ransom demands, cyber extortion, and other similar situations.

Travel Insurance

Travel insurance picks up where your primary health plan leaves off, acting as your primary insurance while abroad. For household employers, travel insurance can also cover foreign employees when they first arrive in the U.S. on a work visa or permit.

In addition to these specialized policies, GTM Insurance offers homeowners, auto, and life insurance to create a full-service, one-stop shop for all of your workplace insurance and asset protection coverage.