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No insurance? No Deal?

Old 03-19-2009, 10:23 AM
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Default No insurance? No Deal?

Wife wants to hire a friend of a friend to clean the house (regular person is out on Maternity leave) and the new person has no insurance. How big of a problem is this? Is there anything I could do to reduce my exposure?
Old 03-19-2009, 10:27 AM
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What type of insurance? Health,WC,general liablility etc.
Old 03-19-2009, 10:33 AM
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I don't believe she has WC or general liability. I'm obviously against this but she's pushing pretty hard to get her on board. I have homeowners but don't know what I'd be risking by going with her. Please advise.
Old 03-19-2009, 10:36 AM
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is she HOT?
Old 03-19-2009, 10:46 AM
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If you ever get nominated for the US Cabinet there you will encounter difficulty in the vetting process
Old 03-19-2009, 10:58 AM
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Fly - there is nothing going on in your life that you need to expose yourself to the potential harm of this situation. Maybe it won't be an issue, maybe it will -- and if it is, are you prepared for the consequences, and can you afford them? Is she worth it?

Your obligation is to yourself and your family -- FIRST! In this economy, you need to have you ducks in line and all possible detriment on the sides where you are not exposed to it.

So, is she hot?
Old 03-19-2009, 11:02 AM
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Stay clear! Ever here of the bugler in CA that fell into the drained pool and broke his leg? AFTER he went to jail for robbery, he received his low 7 figure check for his broken leg from the home owners insurance!!! AND HE WAS A BURGLAR, CONVICTED! Imagine if she gets hurt and YOU allowed her into you house to work, assuming for cash off the books.

Good luck
Old 03-19-2009, 12:42 PM
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Is the "regular" housekeeper bonded? If not, what's the difference? I've never heard of a housekeeper that was not part of a cleaning company being self-insured. I know mine didn't have any.
Old 03-19-2009, 12:48 PM
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General Liability will handle situations where the maid hurts someone or damages your property....

Bonding is going to cover the maid if she steals something(and you are able to prove it).

Workers comp would be my concern. The maid is a "domestic employee". Workers comp varies by state. But you could be held liable if she injures herself while cleaning your home. Check the laws in your state with regard to a 'domestic employee'.
Old 03-19-2009, 01:02 PM
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Originally Posted by jko2004 View Post

Workers comp would be my concern. The maid is a "domestic employee". Workers comp varies by state. But you could be held liable if she injures herself while cleaning your home. Check the laws in your state with regard to a 'domestic employee'.

That's what I'm talking about in my post above. Homeowner's insurance may not cover worker's comp claims, then it comes out of the homeowner's pocket -- or property.

I've tossed out a couple contractors that showed up to work on our home. In every contract I have it specified the contractor must provide me proof (certificate from ins company) all employees working on my home are covered by valid worker's comp. No certificate, no start work -- miss your work start date and the contract is void.
Old 03-19-2009, 01:04 PM
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Thanks guys! I am 100% against and would like an education on what the potential liabilities are if she hurts herself, steals something, damages something in the house or other...

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