The short answer
Most US states require workers' comp for domestic workers exceeding 40 hours/week — NY, NJ, CA, MA are strictest. HO-3 medical payments to others ($1,000–$5,000) may pay small injuries, but a serious injury without workers' comp is your personal liability. Domestic worker workers' comp costs $200–$700/year.
Frequently asked
- Does a 1099 arrangement avoid this?
- State law usually classifies household workers as employees regardless of the paperwork — 1099 doesn't dodge workers' comp.
Your policy is the only source of truth
Stop guessing. Check your actual policy.
Generic answers don't pay claims. PolicyPal reads your policy wording in seconds and tells you, in one sentence, whether you're covered.
Upload your policy$3 per analysis · $9 for all 4 tools · No subscription