[et_pb_section fb_built=”1″ custom_padding_last_edited=”off|desktop” _builder_version=”4.27.4″ _module_preset=”_initial” background_color=”rgba(36,36,36,0.48)” background_image=”https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/10\/agent-advising-couple.jpg” background_blend=”overlay” custom_padding=”5%||5%||true|false” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”_initial” max_width=”1200px” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF90aXRsZSIsInNldHRpbmdzIjp7ImJlZm9yZSI6IiIsImFmdGVyIjoiIn19@” _builder_version=”4.27.4″ _dynamic_attributes=”title” _module_preset=”default” title_font=”Montserrat|Montserrat_weight|||||||” title_text_align=”center” title_text_color=”#FFFFFF” title_font_size=”50px” title_line_height=”1.15em” title_font_size_tablet=”40px” title_font_size_phone=”28px” title_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”][\/et_pb_heading][et_pb_text quote_border_color=”#FFFFFF” admin_label=”Sub-title” _builder_version=”4.27.4″ _module_preset=”_initial” text_font=”Lato|Lato_weight|||||||” text_text_color=”#FFFFFF” text_line_height=”1.75em” link_font=”||||on||||” link_text_color=”#FFFFFF” quote_font=”Montserrat|Montserrat_weight|||||||” quote_text_color=”#FFFFFF” header_font=”Montserrat|Montserrat_weight|||||||” header_text_color=”#FFFFFF” header_font_size=”72px” header_line_height=”1.15em” header_2_font=”Montserrat|Montserrat_weight|||||||” header_2_text_color=”#FFFFFF” header_2_font_size=”50px” header_2_line_height=”1.2em” header_3_font=”Montserrat|Montserrat_weight|||||||” header_3_text_color=”#FFFFFF” header_3_font_size=”32px” header_3_line_height=”1.3em” header_4_font=”Montserrat|Montserrat_weight||||on|||” header_4_text_color=”#FFFFFF” header_4_font_size=”24px” header_4_line_height=”1.4em” header_5_font=”Montserrat|Montserrat_weight|||||||” header_5_text_color=”#FFFFFF” header_5_font_size=”18px” header_5_line_height=”1.4em” header_6_font=”Montserrat|Montserrat_weight|||||||” header_6_text_color=”#FFFFFF” header_6_line_height=”1.5em” text_orientation=”center” custom_margin=”||||false|false” text_font_size_tablet=”15px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”28px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” header_3_font_size_tablet=”22px” header_3_font_size_phone=”17px” header_3_font_size_last_edited=”on|phone” header_4_font_size_tablet=”18px” header_4_font_size_phone=”15px” header_4_font_size_last_edited=”on|tablet” header_5_font_size_tablet=”15px” header_5_font_size_phone=”14px” header_5_font_size_last_edited=”on|desktop” header_6_font_size_tablet=”13px” header_6_font_size_phone=”13px” header_6_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”off|tablet” admin_label=”Text” _builder_version=”4.27.4″ _module_preset=”_initial” custom_padding=”10px||10px||true|false” locked=”off” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.27.4″ _module_preset=”_initial” custom_margin=”|auto|-1px|auto||” custom_padding=”||4px|||” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Insurance Designed for the Unique Risks of Household Employment” admin_label=”H2 Page Title” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_font=”Montserrat|Montserrat_weight|||||||” title_text_color=”#212492″ title_line_height=”1.3em” custom_margin=”||10px||false|false” title_font_size_tablet=”26px” title_font_size_phone=”20px” title_font_size_last_edited=”on|tablet” global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”3_5,2_5″ _builder_version=”4.16.1″ _module_preset=”_initial” custom_padding=”0px|||||” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”3_5″ _builder_version=”4.16.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text quote_border_color=”#457b9d” admin_label=”Intro text” _builder_version=”4.27.4″ _module_preset=”_initial” text_font=”Lato|Lato_weight|||||||” text_text_color=”rgba(0,0,0,0.64)” text_font_size=”16px” text_line_height=”1.75em” link_font=”|Lato_weight|||||||” link_text_color=”#1d3557″ quote_font=”Montserrat|Montserrat_weight|||||||” quote_text_color=”#111111″ header_font=”Montserrat|Montserrat_weight|||||||” header_text_color=”#111111″ header_font_size=”72px” header_line_height=”1.15em” header_2_font=”Montserrat|Montserrat_weight|||||||” header_2_text_color=”#111111″ header_2_font_size=”50px” header_2_line_height=”1.2em” header_3_font=”Montserrat|Montserrat_weight|||||||” header_3_text_color=”#111111″ header_3_font_size=”32px” header_3_line_height=”1.3em” header_4_font=”Montserrat|Montserrat_weight|||||||” header_4_text_color=”#111111″ header_4_font_size=”24px” header_4_line_height=”1.4em” header_5_font=”Montserrat|Montserrat_weight|||||||” header_5_text_color=”#111111″ header_5_font_size=”18px” header_5_line_height=”1.4em” header_6_font=”Montserrat|Montserrat_weight|||||||” header_6_text_color=”#111111″ header_6_line_height=”1.5em” custom_margin=”||||false|false” text_font_size_tablet=”15px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”28px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” header_3_font_size_tablet=”22px” header_3_font_size_phone=”17px” header_3_font_size_last_edited=”on|phone” header_4_font_size_tablet=”18px” header_4_font_size_phone=”15px” header_4_font_size_last_edited=”on|tablet” header_5_font_size_tablet=”15px” header_5_font_size_phone=”14px” header_5_font_size_last_edited=”on|desktop” header_6_font_size_tablet=”13px” header_6_font_size_phone=”13px” header_6_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n
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.<\/p>\n
Mitigate these risks, avoid costly labor compliance issues, and protect your assets with workplace insurance coverage for household employers and high-net-worth families.<\/p>\n
It\u2019s the protection and peace of mind you need when employing workers in your home.<\/p>\n
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.<\/p>\n
[\/et_pb_text][et_pb_button button_url=”https:\/\/gtminsurance.com\/household-employers\/” url_new_window=”on” button_text=”Visit GTM Insurance Agency” button_alignment=”center” admin_label=”Visit GTM Insurance” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][et_pb_column type=”2_5″ _builder_version=”4.16.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/gtm.com\/household\/wp-content\/uploads\/2025\/10\/businesswoman-in-an-office.jpg” alt=”businesswoman in an interior” title_text=”stock-photo-young-asian-business-woman-entrepreneur-standing-in-office-holding-digital-tablet-businesswoman-2184502325″ _builder_version=”4.27.4″ _module_preset=”_initial” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Features of GTM’s Nanny Payroll – 3 column” _builder_version=”4.27.4″ _module_preset=”_initial” background_color=”#ededed” custom_padding=”40px|0px|40px||true|false” border_color_top=”rgba(0,0,0,0.14)” saved_tabs=”all” collapsed=”on” global_colors_info=”{}”][et_pb_row _builder_version=”4.23.1″ _module_preset=”_initial” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text admin_label=”What we Offer title” _builder_version=”4.27.4″ _module_preset=”_initial” text_font=”|600|||||||” text_font_size=”2em” header_2_text_color=”#666666″ text_orientation=”center” header_2_font_size_tablet=”” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text _builder_version=”4.27.4″ _module_preset=”_initial” header_2_text_color=”#666666″ custom_margin=”-27px|||||” custom_padding=”||0px|||” global_colors_info=”{}”]<\/p>\n
Our comprehensive solution for all your required insurance needs includes:<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.23.1″ _module_preset=”_initial” max_width=”1400px” custom_padding=”||15px|||” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Workers Compensation” use_icon=”on” font_icon=”||fa||900″ icon_color=”#1984d1″ icon_placement=”left” image_icon_width=”40px” admin_label=”timekeeping blurb” _builder_version=”4.27.4″ _module_preset=”default” header_level=”h3″ global_colors_info=”{}”]<\/p>\n
Required in many states, we\u2019ll create a specialized workers\u2019 compensation program to meet your unique needs as a household employer, shop for the best rates, obtain coverage, and help manage your policy.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Disability Insurance” use_icon=”on” font_icon=”||fa||900″ icon_color=”#1984d1″ icon_placement=”left” image_icon_width=”40px” admin_label=”workers comp blurb” _builder_version=”4.27.4″ _module_preset=”default” header_level=”h3″ global_colors_info=”{}”]<\/p>\n
Required for household employers in New York State, short-term disability insurance pays a percentage of an eligible employee\u2019s income if they become disabled because of an off-the-job injury or illness.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.23.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Paid Leave” use_icon=”on” font_icon=”||fa||900″ icon_color=”#0c71c3″ icon_placement=”left” _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”22px” global_colors_info=”{}”]<\/p>\n
Paid sick and family leave programs are growing in popularity. Household employers in New York, Connecticut, Massachusetts, and several other states may be required to carry paid family leave insurance.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Text” _builder_version=”4.27.4″ _module_preset=”_initial” hover_enabled=”0″ locked=”off” collapsed=”off” global_colors_info=”{}” sticky_enabled=”0″ custom_padding_last_edited=”off|desktop” custom_padding=”10px||10px||true|false”][et_pb_row _builder_version=”4.27.4″ _module_preset=”_initial” custom_padding=”||14px|||” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Protect Your Assets” admin_label=”Protect Your Assets” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_font=”Montserrat|Montserrat_weight|||||||” title_text_color=”#212492″ title_font_size=”32px” title_line_height=”1.3em” custom_margin=”||10px||false|false” hover_enabled=”0″ title_font_size_tablet=”26px” title_font_size_phone=”20px” title_font_size_last_edited=”on|tablet” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=”4.27.4″ _module_preset=”_initial” hover_enabled=”0″ border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}” sticky_enabled=”0″ custom_padding_last_edited=”on|tablet” custom_padding=”|200px|||false|false” custom_padding_tablet=”|0px|||false|false” custom_margin=”-40px||||false|false” custom_padding_phone=”|0px|||false|false”][et_pb_column type=”4_4″ _builder_version=”4.16.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_text quote_border_color=”#457b9d” admin_label=”Text” _builder_version=”4.27.4″ _module_preset=”_initial” text_font=”Lato|Lato_weight|||||||” text_text_color=”rgba(0,0,0,0.64)” text_font_size=”16px” text_line_height=”1.75em” link_font=”|Lato_weight|||||||” link_text_color=”#1d3557″ quote_font=”Montserrat|Montserrat_weight|||||||” quote_text_color=”#111111″ header_font=”Montserrat|Montserrat_weight|||||||” header_text_color=”#111111″ header_font_size=”72px” header_line_height=”1.15em” header_2_font=”Montserrat|Montserrat_weight|||||||” header_2_text_color=”#111111″ header_2_font_size=”50px” header_2_line_height=”1.2em” header_3_font=”Montserrat|Montserrat_weight|||||||” header_3_text_color=”#666666″ header_3_font_size=”28px” header_3_line_height=”1.3em” header_4_font=”Montserrat|Montserrat_weight|||||||” header_4_text_color=”#111111″ header_4_font_size=”24px” header_4_line_height=”1.4em” header_5_font=”Montserrat|Montserrat_weight|||||||” header_5_text_color=”#111111″ header_5_font_size=”18px” header_5_line_height=”1.4em” header_6_font=”Montserrat|Montserrat_weight|||||||” header_6_text_color=”#111111″ header_6_line_height=”1.5em” custom_margin=”||||false|false” text_font_size_tablet=”15px” text_font_size_phone=”14px” text_font_size_last_edited=”on|phone” header_font_size_tablet=”40px” header_font_size_phone=”24px” header_font_size_last_edited=”on|desktop” header_2_font_size_tablet=”28px” header_2_font_size_phone=”20px” header_2_font_size_last_edited=”on|phone” header_3_font_size_tablet=”22px” header_3_font_size_phone=”17px” header_3_font_size_last_edited=”on|phone” header_4_font_size_tablet=”18px” header_4_font_size_phone=”15px” header_4_font_size_last_edited=”on|tablet” header_5_font_size_tablet=”15px” header_5_font_size_phone=”14px” header_5_font_size_last_edited=”on|desktop” header_6_font_size_tablet=”13px” header_6_font_size_phone=”13px” header_6_font_size_last_edited=”on|desktop” locked=”off” global_colors_info=”{}”]<\/p>\n
GTM can also protect your assets and lifestyle with\u00a0customized, personal insurance policies.<\/p>\n
Employee Theft and Dishonesty coverage protects household employers from financial losses due to an employee\u2019s dishonesty or theft of cash, checkbooks, credit cards, or any other property.<\/p>\n
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.<\/p>\n
Umbrella insurance provides an extra layer of protection beyond the limits of the policyholder\u2019s homeowners, auto, and watercraft personal liability limits. It kicks in when the liability limits of these other policies have been reached.<\/p>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
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.<\/p>\n
[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”List of Features” _builder_version=”4.27.4″ _module_preset=”_initial” background_color=”#ededed” saved_tabs=”all” collapsed=”off” global_colors_info=”{}”][et_pb_row _builder_version=”4.25.1″ _module_preset=”_initial” custom_padding=”||12px|||” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Key Benefits of GTM\u2019s Workplace Insurance Program” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_font=”Montserrat|Montserrat_weight|||||||” title_text_align=”center” title_text_color=”#666666″ title_line_height=”1.3em” min_height=”50px” custom_margin=”||10px||false|false” hover_enabled=”0″ title_font_size_tablet=”26px” title_font_size_phone=”20px” title_font_size_last_edited=”on|tablet” global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ _builder_version=”4.25.1″ _module_preset=”_initial” border_radii=”on|12px|12px|12px|12px” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Our expertise for your protection” use_icon=”on” font_icon=”R||divi||400″ icon_color=”#0c71c3″ icon_placement=”left” _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”18px” body_font_size=”15px” global_colors_info=”{}”]<\/p>\n
GTM has been working with high-net-worth families and their financial advisors, as well as family offices, for over 30 years, establishing the right protections and best practices for household employment to help ensure a safe and risk-free work environment.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Compliance Built-in” use_icon=”on” font_icon=”R||divi||400″ icon_color=”#0c71c3″ icon_placement=”left” _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”18px” body_font_size=”15px” global_colors_info=”{}”]<\/p>\n
One of the biggest and costliest mistakes families make as household employers is failing to obtain required insurance coverage. Avoid costly fines, penalties, and lawsuits with the proper policies in place on day one.<\/p>\n
[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.25.1″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”Peace of Mind” use_icon=”on” font_icon=”R||divi||400″ icon_color=”#0c71c3″ icon_placement=”left” _builder_version=”4.27.4″ _module_preset=”default” header_font_size=”18px” body_font_size=”15px” global_colors_info=”{}”]<\/p>\n
Don\u2019t try to figure out workplace insurance on your own. You may wind up with the wrong policies or insufficient coverage when there\u2019s a claim. Let the licensed insurance brokers at GTM guide you through your options, creating a plan that protects your lifestyle and assets.<\/p>\n
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An insurance expert can answer questions you have about your own situation.<\/p>\n
Call or chat with us during business hours, or schedule a free consultation at your convenience.<\/p>\n
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Hours: Mon-Fri 8:30 am – 8pm, ET<\/p>\n
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You\u2019ve hired help at home. Now protect what matters mostHiring 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, […]<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"folder":[603,622],"class_list":["post-43411","page","type-page","status-publish","hentry"],"yoast_head":"\n