Did you know that according to law, anyone who hires someone for household work must insure that person against work accidents that they might be the victim of, both while carrying out the work and while on the way to the work place? The cleaner, gardener and baby-sitter are never safe from accidents. The Domestic Help Insurance therefore covers people you employ against physical injuries. Ethias goes even further by insuring people you hire occasionally, such as a cook for a family party or an additional cleaner for doing the spring cleaning.
An additional plus, you do not have to declare the names of your staff members. As an example, for just € 36,82 per year, Ethias offers you complete cover for your cleaner or your baby-sitter.
Temporary and occasional help is also insured - free of charge - in one single policy.
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• Civil liability insurance covers damage caused to the policyholder or others by domestic help during their work as well as damage caused to domestic servants by the policyholder. This type of guarantee is recommended if you do not have family insurance yet.
• For living-in personnel the insurance policy can be extended with an optional guarantee that also insures physical injuries in private life. An adapted premium is then calculated in accordance with work activities, salary and working hours.
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