by Guest » Fri Oct 15, 2010 08:06 pm
Hi,
I have a babysitter picking up my kids twice a week from school and taking care of him for few hours. How can I insure her? I am renting and don't have homeowner insurance. Also, she sometimes walk to the park/library with him. Thanks.
I have a babysitter picking up my kids twice a week from school and taking care of him for few hours. How can I insure her? I am renting and don't have homeowner insurance. Also, she sometimes walk to the park/library with him. Thanks.
Posted: Fri Oct 15, 2010 08:47 pm Post Subject:
Insure her for what?
InsTeacher 8)
Posted: Mon Oct 18, 2010 05:36 pm Post Subject:
I am confused?
Posted: Tue Oct 19, 2010 09:36 am Post Subject:
Does home owners insurance cover a babysitter?
Posted: Wed Oct 20, 2010 04:11 am Post Subject:
I have a babysitter picking up my kids twice a week from school and taking care of him for few hours. How can I insure her?
Does home owners insurance cover a babysitter?
I ask, once again, insure the babysitter FOR WHAT? Why do you want to insure your babysitter? For what purpose? To protect you against something? To protect the babysitter against something?
The questions posed are simply put... too vague. We need more info.
InsTeacher 8)
Posted: Wed Oct 20, 2010 08:01 am Post Subject:
Yeah i am also perplexed, insuring you baby sitter? that's a new one
Posted: Wed Oct 20, 2010 05:24 pm Post Subject:
Well, at least a homeowner's policy will cover the babysitter for "workers' compensation" claims. Not so sure they would be considered a "household employee" for the purposes of liability coverage.
Posted: Thu Oct 21, 2010 03:23 am Post Subject:
Not so sure they would be considered a "household employee" for the purposes of liability coverage.
I would think it would be given the same legal status as any other person compensated to work on the premises, kind of a guest invitee status. Would this compare to, say, your gardener or the guy who paints your fence? It wouldn't hold the same status as your mailman, meter readers, etc. but whaddya think?
Since the OP isn't coming back, we might as well throw some stuff out there.
InsTeacher 8)
Posted: Thu Oct 21, 2010 05:57 am Post Subject:
Would this compare to, say, your gardener or the guy who paints your fence?
Yes, that's how I would consider it -- those persons are much less likely to be covered by their own workers' comp policy.
I think it falls into the definition of "casual labor" rather than "household employee", the latter being typically someone who is on site based on a fixed daily or weekly schedule (and more than just a few minutes or a few hours once in a while, like the independent contractor from "Molly Maid"). Regardless, an "on the job" injury would still be a workers' comp claim rather than a personal liability claim.
And we know, of course, that the cost of x-rays, for example, under workers' comp suddenly are worth about $600, compared to the regular rate of $50-$60, and the doctors actually get to bill and be paid the $175-$250 they would really like to get all the time instead of the $25-$40 the HMOs pay them, since most states' WC laws allow medical claims without time or dollar limit. Not like Arizona's that tie the allowable cost to the Medicaid reimbursement schedule -- which is often less generous than even the HMOs!
But definitely not the same as the meter reader or lettercarrier (need to be "PC" here, right? On my residential neghborhood's route, our "regular" carrier is female), who are covered by their employers' WC insurance, but might have a separate liability claim for being bitten by the family protector (whether it's the two year old child or the six-month-old German shepherd??).
[Can't forget the WC claim by Leona Helmsley's maid for being bitten by Trouble on at least one occasion -- and how the woman tried to pursue a new claim for personal injuries against the newly-wealthy Trouble after Helmsley's death, but, fortunately for Trouble, the court threw it out as having already been adjudicated under WC law. Gotta love that one!]
Posted: Thu Oct 21, 2010 07:58 am Post Subject:
This is an odd question.
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