? 2012 All Rights Reserved
Many homeowners or individuals who hire any domestic help may need to consider the liability of being sued if these individuals are hurt while helping you around your home.? Maybe you hired a nanny to help out with the kids.? Or, a person to clean your house on a frequent basis. It could be someone to perform landscaping and snow removal.?
The Colorado Workers Compensation Act has language that may necessitate purchasing a workers compensation insurance policy for nannies, landscaping, house cleaning assistance or other domestic help. ?
What Kind of Injuries Could Happen To Your Domestic Employee?Landscaping: - Back injuries from heavy lifting
- Cuts from mowers, trimmers or shears
- Eye Injuries due to flying debris
- Injuries from using equipment
- Broken bones from falling off ladders or other equipment
Nannies - Back injuries from picking up a child, strollers or other equipment
- Slipping or falling on toys or other hazards
- Automobile accident while taking your child to the park
- Cuts from preparing food for children
- Injury from flying objects thrown by children
- Broken limbs from playing outdoor sports with childrer
Domestic Cleaning Service/Maid/Janitorial Service - Back injuries from bending or picking up equipment
- Cuts from cleaning dishes or knives
- Slips and fall from wet floors
- Broken limbs from cleaning showers and bathtubs
- Falling from ladders to clean ceiling fans or light fixtures
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? Colorado Workers Compensation Act: - Section 8-40-302 Paragraph 4
- Not intended to apply to employers of person who do domestic work or maintenance, repair, remodeling, yard, lawn, tree, or shrub planting or trimming, or similar work about the private home of the employer if such employers have not other employees subject to said articles 40 to 47 and if such employments are not wthin the course of the trade, business, or profession of said employers.
- ?Full Time?: means work performed for forty hours or more a week or on five days or more a week
- Please note:? our agency called the division of workers compensation in Colorado for further clarity on this section.? Their position is not for interpreting the statutes and suggested seeking legal advice for a licensed attorney.
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?Have You Determined If You Need Colorado Workers Compensation??
Our agency offers the convenience of an online application.? It takes less than 10 minutes to complete:
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Still Not Convinced You Need Workers Compensation
This shows the number of injuries to Colorado employees for 2008 by body part.? The most common injury is to the back.
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Source: http://www.gpbusinessinsurance.com/nanny-landscaper-janitorial-injuries-workers-compensation/
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