can you get a rider on your home owners policy to cover a self employed home health care worker who would be working in your home?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jul 17, 2012

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Insurance Question from Cedar City, MO

Asked on 07/17/2012

can you get a rider on your home owners policy to cover a self employed home health care worker who would be working in your home? liability only

Answer given on July 20, 2012

In some states you can add workers compensation coverage for an employee who is a caretaker for a resident in the household. The cost for a full time employee is around $510 a year. Full time usually means over 20 hours a week.You should contact your insurance agent or company and ask if you can add this coverage to your homeowner policy. They may ask for the number of hours to be worked per week and the duties involved. Some companies will not add an employee who must do heavy lifting, such as lifting a person.If you cannot add the employee to your homeowner policy, you should check with a workers compensation policy. Some states have a company available through the department of insurance, and others you simply have to find an independent insurance company. Shop around as the costs can vary dramatically. An agent may be able to help you find the best coverage for the best price, rather than you searching on your own.

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