Domestic Workers Compensation

Owens Group understands the importance of protecting your home and those who help maintain it. Domestic workers play a vital role in helping you maintain your household. At the same time, this can leave you exposed should one of your domestic employees have a work-related injury or illness. This is where Domestic Workers’ Compensation steps in.

Domestic workers include chauffeurs, nannies, home health aides, au pairs, nurses, baby-sitters, maids, cooks, housekeepers, laundry workers, butlers, companions, and gardeners working in a private household. If your household employee is injured or becomes sick, you may be personally responsible for covering their related medical costs and for paying their regular wages while they are not working. Workers’ Compensation provides financial protection for both you and your employees in the event of a workplace injury or illness.

Understanding Domestic Workers Compensation

Domestic Workers’ Compensation insurance typically covers:

Medical Expenses

for medical treatment related to work-related injuries or illnesses, including hospital bills, medications, and rehabilitation.

Lost Wages

Compensation for a portion of the employee’s lost wages if they are unable to work due to a work-related injury or illness.

Disability Benefits

Financial support for permanent or temporary disabilities resulting from a workplace injury or illness.

Death Benefits

Financial assistance to the family of an employee who dies as a result of a work-related injury or illness.

The Importance of Compliance

In many jurisdictions, providing Workers’ Compensation insurance for domestic workers is a legal requirement. For example, in New York, any domestic worker employed (other than those employed on a farm) by the same employer for a minimum of 40 hours per week must have Workers’ Comp insurance. New Jersey stipulates that all household employers obtain coverage for any part-time or full-time domestic employee. And Connecticut mandates that any domestic worker employed 26 hours or more per week by one employer must be insured under Workers’ Comp insurance. Failing to comply with these regulations could result in fines, penalties, and legal liabilities.

Peace of Mind for You and Your Employees

By investing in Domestic Workers’ Compensation insurance, you not only protect your financial interests but also demonstrate your commitment to the well-being of your employees. With the right coverage in place, you can have peace of mind knowing that you’re prepared for the unexpected.

Don’t wait until it’s too late. Protect your home, your employees, and your peace of mind. Contact our office to learn more about our comprehensive coverage options and get a personalized quote today.

Special Event Insurance

Planning a Special Event is an exciting endeavor, whether it’s a wedding, birthday party, retirement party, Bar or Bat Mitzvah, or charity fundraiser. However, for all the time, money, and effort that goes into planning your event, many possible exposures can threaten its outcome. Special Event insurance can give you peace of mind and let you concentrate on making your special day a success.

What Does Special Event Insurance Cover?

• Liability: Whether it’s a slip-and-fall accident or damage caused by a guest, liability claims can quickly escalate. Special Event policies offer liability protection, covering legal fees and settlement costs in the event of a lawsuit arising from your event.
• Property Damage: Accidents happen, and sometimes they can result in damage to the venue where your event is being held. Special Event insurance can cover costs associated with damage to rented equipment, furniture or to the event venue itself ensuring that you’re not left with unexpected bills
• Cancellation or Postponement: Sometimes, despite meticulous planning, circumstances beyond your control force you to cancel or postpone your event. Special Event insurance can reimburse you for non-recoverable expenses, such as deposits and vendor fees, helping you minimize your financial losses.
• Reimbursement for non-refundable expenses: Adverse weather conditions can put a damper on outdoor events, leading to cancellations or disruptions. Special Event coverage allows you to recoup expenses incurred due to weather-related cancellations, ensuring that your event stays on track regardless of the forecast.
• Event Interruption: Compensation for financial losses resulting from unexpected interruptions to the event, such as power outages or vendor no-shows.
• Liquor Liability: If alcohol is served at your event, you could be held liable for any accidents or injuries caused by intoxicated guests. Liquor Liability coverage offers protection against alcohol-related incidents and their associated legal ramifications.

Owens Group understands that every event is unique, which is why we will work closely with you to tailor a Special Event insurance policy to meet your specific needs.

Contact us today to learn more about our Special Event Insurance options and request a quote for your upcoming event.

Travel Insurance

We understand that every journey is unique, and that’s why we offer comprehensive Travel Insurance coverage tailored to your specific needs. Whether you’re planning a relaxing beach vacation, an adventurous trek through the mountains, or a business trip abroad, we’ve got you covered.

Why Choose Travel Insurance?

• Protection Against Trip Cancellations and Interruptions: Life is full of uncertainties, and sometimes plans need to change unexpectedly. Travel Insurance coverage can protect against trip cancellations and interruptions due to covered reasons such as illness, injury, severe weather, or unforeseen emergencies ensuring that you don’t lose out financially if your travel plans are disrupted.
• Emergency Medical Expenses: Your health should never be compromised, especially when you’re far from home. Travel Insurance can provide comprehensive coverage for emergency medical expenses incurred during your trip, including hospitalization and medical evacuation if necessary.
• Coverage for Lost or Delayed Baggage: Losing your luggage or experiencing baggage delays can be frustrating, but it doesn’t have to ruin your trip. Travel Insurance includes coverage for lost or stolen baggage, as well as reimbursement for essential items purchased during a prolonged baggage delay, making sure you have everything you need to continue your journey hassle-free.
• Travel Assistance Services for Peace of Mind: Traveling to unfamiliar destinations can be daunting, but you’re never alone with our Travel Insurance. Assistance is available round-the-clock to provide support and guidance in navigating unexpected situations such as lost passports, language barriers, or medical emergencies. From arranging emergency transportation to connecting you with local resources, your travel representative can help you every step of the way.

Customized Coverage Options

For travellers who take multiple trips per year or those interested in single trip travel plans, we understand that every traveller has specific requirements. That is why we offer customizable Travel Insurance plans designed to fit your individual needs.

Contact us today to learn about our specific coverage options and get a personalized quote for your upcoming trip. Your peace of mind is our priority, no matter where your travels take you.