Household staff coverage that's actuallyclearcompliantyoursconsideredclear
Employing help at home makes you an employer, with the obligations that come with it. We place workers' comp and employment coverage for domestic staff and coordinate it with the estate.
Household staff coverage, line by line.
What coverage you take on when you employ help at home.
| Coverage | What it covers | Good to know |
|---|---|---|
| Workers' compensation | Injury to a household employee on the job | Often required once you employ in the home |
| Employment practices | Claims of wrongful termination or harassment | A real exposure private employers overlook |
| Employer's liability | Suits outside the comp system | The second half of the comp policy |
| Umbrella coordination | Estate liability extended over staff exposures | We line the layers up |
| Classification | Getting each role rated correctly | Nannies, estate managers, groundskeepers differ |
| Multi-state households | Staff who work across the state line | KS and MO rules differ, we sort them |
When you pay someone to work in your home, you generally become their employer. We place the coverage that comes with it.
Employ help at home? Let us make sure the coverage and compliance are right, free.
Neighbors we’ve actually helped.
“Can't recommend these guys enough. Needed insurance fast for the DMV and my old insurance company was closed and wasn't answering my calls. Called these guys and over a 30min lunch break they hooked me up with renter's insurance and insurance for my cars and bike. They got me a better deal, too. Highly recommend because they DO NOT WASTE YOUR TIME like other companies.”
“I recently switched insurance carriers to PolicyNest KC and I couldn't be happier with the experience so far. I worked with Nick Rhodes, who was extremely friendly, helpful, and quick to respond. He explained everything in a way that was easy to understand, which was greatly appreciated since I'm definitely not an insurance expert. He made me feel like a person, not just a number. On top of that, PolicyNest KC saved me over $100 each month on my car and renters insurance, which is huge. Their mobile app is also super easy to use and makes managing my policies and making payments a breeze. I highly recommend PolicyNest KC and especially Nick for anyone looking to make a switch!”
“Amazing coverage at a great rate, they did not lie! Nick was absolutely great to work with, and he cut my bill in half! He did a great job explaining coverages in a way I could better understand, as well as the importance of the coverage to me so that I could better understand how to best protect my property. Nick was super knowledgeable, personable and made me feel like I was putting my protecting in caring hands. Thank you PNKC!!”
“PolicyNest KC is great. Nick Rhodes helped me every step of the way took my information, and found the right coverage to make it all happen. Showed me several options and found the best rates for me. If you need insurance, this place will make it quick and easy and will find you the best price for your circumstance. Highly recommend.”
“As a business owner, these guys were a lifesaver helping me scour through options to combine the different kinds of insurance my business needs in order for me to have peace of mind. I was helped by Hunter, a class act (and quite funny at that). Would highly recommend!”
“They saved me a ton of money on my new policy! They helped me understand my policy as well! Easy to work with and saving me money!”
“Nick is the man, helped me lower my car insurance $100/month for triple the coverage!”
“Nick was fantastic to work with. He offered great rates made everything nice and simple. Very pleased with my experience”
“Happy with the service and savings”
Carriers shopped
Avg. quote turnaround
Licensed in both states
Policy reviews, always
Household staff coverage, answered.
The questions private employers ask first.
Often yes. Once you employ someone in your home, most states require workers' comp at some threshold, and Kansas and Missouri differ slightly. We confirm exactly what applies to your household.
It covers claims like wrongful termination, discrimination, or harassment brought by a household employee. Private employers rarely expect these, which is exactly why the coverage matters.
A high-value umbrella can extend over staff-related liability, coordinated with the underlying comp and employment coverage. We make the layers connect.
Yes. We review your household and the rest of the estate together before placing coverage.
By appointment