Coverage for your childcare

Protect your Nanny and Yourself with a Nanny Workers' Comp Policy

Prevent nanny claims from happening, properly manage the ones that do, and to stay in compliance with Massachusetts employment laws

When do I need to buy workers' compensation nanny insurance?

Workers compensation insurance in Massachusetts is a legal requirement for almost all businesses. As soon as you hire your first employee (that's right, even a nanny or au pair), you are required to have coverage.

Workers compensation insurance coverages and rates are regulated by the state. There may be a waiting period, so you could be putting your employees at risk if you don't secure the coverage before an incident occurs.

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Common workers' compensation claim statistics

You may think your home is a safe place for your nanny, but there is no way you can anticipate it all. Even a minor injury can be costly.

Of work-related injuries are from strains or sprains

Of work-related injuries are from slips, trips and falls

Annual cost of nanny workers' comp, including fees

What is (and is not) covered by workers compensation insurance?

Like every other form of business insurance, workers compensation insurance has a list of conditions and exclusions. Understanding what is (and is not) covered will help you make sure your employees are properly protected.

What is typically covered?

Injuries to all employees regardless of hours worked

Medical expenses

Lost wages (limited)

Ongoing care expenses

Funeral expenses

Treatment for work-related illness

Repetitive injury care

Disability benefits (limited)

Employer liability

What is not typically covered?

Small cuts/scrapes remedied by a first aid kit

Injuries sustained outside the scope of work

Injuries to individuals that are not your employees

Injuries to sole proprietors, members or partners of an LLC or Partnership (optional)

Out of state operations (optional)

Got nanny workers compensation insurance questions? We’ve got answers.

Getting workers' compensation for your nanny or au pair may be confusing. Here are some questions you may be asking yourself before securing the workers compensation coverage you need.

Do I need workers compensation insurance for my nanny?

Shouldn't health insurance cover my nanny's injuries?

How much does nanny insurance workers compensation insurance cost?

How nanny workers compensation insurance helps fulfill your family's legal obligations

Cover your nanny's medical expenses and lost wages following a workplace injury or illness as well as yourself from lawsuits.

Statutory requirement

In Massachusetts, you are legally obligated to protect any and all individuals working for you. Without coverage, your business could be issued a Stop Work Order by the Department of Industrial Accidents.

Lawsuit protection

Protection from employee-related lawsuits claiming employer negligence. These lawsuits can be filed by the employee, the family of the employee, or even third parties.

Safety net for your nanny/au pair

Being injured and out of work can be a discouraging and isolating thing. Having the financial protection your nanny or au pair can help them focus on healing and get back to work quicker.

Simplifying workers compensation nanny insurance … one blog at a time

Find the answers to all your insurance questions through the helpful resources in our free online Learning Center.

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"[My agent] and the team have been so helpful with our family policies. We switched over from purchasing directly through big name insurance companies and have had the best experience. Highly recommend working with them!"

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Fulfill the Massachusetts requirements for your business with workers compensation insurance

You want the person who's protecting your child to be protected themselves. So don't wait -- simply fill out this form and a member of our commercial team will be in touch.