{"id":1328,"date":"2019-08-05T12:15:26","date_gmt":"2019-08-05T18:15:26","guid":{"rendered":"https:\/\/www.insuringky.com\/blog\/?p=1328"},"modified":"2019-07-26T12:16:48","modified_gmt":"2019-07-26T18:16:48","slug":"domestic-or-personal-service-workers","status":"publish","type":"post","link":"https:\/\/www.insuringky.com\/blog\/domestic-or-personal-service-workers\/","title":{"rendered":"Domestic or Personal Service Workers"},"content":{"rendered":"\n
\"Insuring
Personal Gardener<\/figcaption><\/figure><\/div>\n\n\n\n

It\u2019s quite likely that you face many demands\u2026a job, family, hobbies, volunteer work, children’s school, and recreational obligations. Those items don\u2019t cover chores, such as the lawn and garden, house cleaning, repairs and on and on. Like many of your peers, you might find that you just don’t have the time to get all of it done. Also, like many of your friends and neighbors, you may be “outsourcing” some of your responsibilities. Increasingly, people are hiring others to either assist or to take over duties such as:<\/p>\n\n\n\n

  • child-rearing<\/li>
  • gardening<\/li>
  • decorating<\/li>
  • housecleaning<\/li>
  • laundry<\/li>
  • grocery shopping<\/li>
  • personal errands<\/li>
  • child-transport<\/li>
  • minor home repairs<\/li>
  • lawn maintenance<\/li>
  • meal preparation<\/li>
  • exercise<\/li><\/ul>\n\n\n\n

    While such help used to fall under the auspices of butlers, maids, and nannies, today, individual specialists are providing similar services on either a part-time or full-time basis.<\/p>\n\n\n\n

    Personal Services and\nPersonal Liability<\/strong><\/p>\n\n\n\n

    \"There
    Many service providers have insurance<\/figcaption><\/figure><\/div>\n\n\n\n

    When personal services\nare provided by employees of a commercial business, such as a limousine\nservice, laundry service or a lawn care company, there’s generally no need to\nworry about being held liable for injury to another person or for damage to\ntheir property.<\/p>\n\n\n\n

    Example: <\/strong>The Burlies never had time to take care of their\nlawn. As their grass grew thinner and the weeds spread, Mr. Burlie decided to\nsign-up for the “Green Thumb” package from Lucy\u2019s Lawn Services. One\nafternoon, a Lucky Lawn specialist arrived at the Burlie’s home, unraveled a\nhose and began to spray weed killer. A few minutes later, Stevie, who lived\nseveral homes away from the Burlies, came rushing by on his skates.\nStevie didn’t see the hose until it tangled his wheels and sent him\nheadlong onto the cement sidewalk. In this instance, Lucky’s Lawn Services\nwould be responsible for the injuries.<\/p>\n\n\n\n

    However, as individuals\nare hired by Joe and Jane America to perform personal services, the\nresponsibility for injuring other people or damaging the property of others may\nbegin to fall upon Joe and Jane. In these cases, will Joe and Jane have any\nhelp in paying for damages or injuries?<\/p>\n\n\n\n

    Homeowners Insurance to\nthe Rescue<\/strong><\/p>\n\n\n\n

    \"Looking
    Homeowner’s Insurance<\/figcaption><\/figure><\/div>\n\n\n\n

    A person who employs the services of another may be held legally liable should the “employee” cause an accident. Can the average person who is guilty of nothing more than trying to make their lives a little less hectic depend upon their homeowner’s insurance for protection? Well, coverage depends upon the details surrounding an event. Generally, a homeowners policy will exclude coverage for losses that are related to the covered person’s (insured’s) business or when other coverage, such as workers compensation or disability insurance, should apply to the loss.<\/p>\n\n\n\n

    \"If
    Handyman<\/figcaption><\/figure><\/div>\n\n\n\n

    Example: <\/strong>Molly Kelp really likes her neighbors’ son,\nPeter, who is home from college. Molly knows that Peter is struggling for money\nto keep attending school, so she occasionally hires him to do jobs around her\nhome and yard. One day, she asks him to trim the branches of a tree that is in\nthe front of her home. The branches are low enough to disturb traffic in the\nstreet. Peter jumps down from the ladder he’s using for the job at the same\ntime that a car is passing by. The ladder tips over and crumples car’s hood as\nwell as smashes out the windshield. The driver slams on his brakes and is\nseverely cut-up in the process. In this case, Molly’s homeowner policy may\napply to the damage and injury caused by Peter. Why? Because the work was\nstrictly related to maintenance of Molly’s residence and premises. If Peter\ncaused an accident while carrying a ladder to paint Molly’s law office which is\nhoused in a converted bedroom of Molly\u2019s home, the loss would be excluded from\nher policy.<\/p>\n\n\n\n

    Do Your\n“Homework” On Personal Services<\/strong><\/p>\n\n\n\n

    If you’re not sure about\nwhat happens when a person you hire causes a loss, you need to do your\nhomework. Discuss the details with an insurance professional and bring a copy\nof your insurance policy. Between the two of you, you should be able to make\nsure that your needs are covered.<\/p>\n\n\n\n

    \n\n\n\n

    COPYRIGHT: Insurance Publishing Plus, Inc. 2015<\/p>\n\n\n\n

    All\nrights reserved. Production or distribution, whether in whole or in part, in\nany form of media or language; and no matter what country, state or territory,\nis expressly forbidden without written consent of Insurance Publishing Plus,\nInc.<\/p>\n","protected":false},"excerpt":{"rendered":"

    It\u2019s quite likely that you face many demands\u2026a job, family, hobbies, volunteer work, children’s school, and recreational obligations. Those items don\u2019t cover chores, such as the lawn and garden, house cleaning, repairs and on and on. Like many of your peers, you might find that you just don’t have the time to get all of […]<\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[3,13],"tags":[1561,1560,1564,1562,1563],"class_list":["post-1328","post","type-post","status-publish","format-standard","hentry","category-home-insurance","category-personal-insurance","tag-buy-insurance-for-personal-service-procviders","tag-insurance-for-personal-service-providers","tag-personal-service-insurance","tag-personal-service-providers-claims","tag-protect-yourself-from-claims-made-by-personal-service-providers"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1328","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/comments?post=1328"}],"version-history":[{"count":1,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1328\/revisions"}],"predecessor-version":[{"id":1333,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/posts\/1328\/revisions\/1333"}],"wp:attachment":[{"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/media?parent=1328"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/categories?post=1328"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.insuringky.com\/blog\/wp-json\/wp\/v2\/tags?post=1328"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}