Insurance for caregivers is a topic that is often overlooked, or it is often assumed there is coverage on the homeowner’s policy, but usually that is not the case. First, let’s cover who is considered a caregiver. A caregiver could be a nanny that watches your children, someone who looks after an elderly parent in their home most or all of the time, or even a housekeeper. Caregivers can be paid by W2 or 1099, but they do not work for a separate business that has its own insurance. They are considered an employee, which is essentially what excludes them … Continue reading
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