Insurance for all your helping hands

People who help you with household chores, a babysitter or movers... Everyone deserves thorough coverage.

House staff

Domestic staff insurance protects you against liability for injuries or damages sustained by your domestic staff while they work for you.

Insure your cleaning lady, gardener, babysitter, ...

Home staff insurance protects your paid, helping hands in the event of a work-related accident when he or she is working for you.
The financial consequences of such accidents can be significant, think of:

  • hospital invoices
  • rehabilitation costs
  • disability

Legally, you are considered their employer. Therefore, you are obliged to absorb these costs. Be prepared and protect your helping hands today.

Why have house staff insured?

In the event of an accident, you continue to pay until their retirement

Imagine if your domestic workers suffer a serious accident. In the worst case scenario, you are obliged to continue paying their salary until retirement age.

It goes without saying that this has serious financial consequences. And you'd rather not pay for that yourself.

Materné protects you in all possible scenarios.

Legal obligation

Even if you are not required to file an NSSO return, you must subscribe to a domestic staff insurance policy.

Friends Services

We all sometimes ask our friends to help us with something.

Even the helpful and handy Harry's in your circle of friends are covered by this insurance. An accident with financial consequences does not mean the end of your valuable friendship.

What does domestic staff insurance cover?

Home staff insurance not only covers all paid helping hands for your private needs. Accidental and unpaid helpers are also covered.
Think of unpaid friends' services. In the event of an accident, you are considered an employer. Through insurance, you can collect compensation without being responsible for the financial consequences yourself:

  • Medical expenses
  • Pharmacy or hospitalisation costs
  • Wage loss on disability
  • Death

Frequently asked questions

Discover the most frequently asked questions about this insurance. Over the years, we have collected this information and summarise it here. Easy, right?

No, you do not need to take out house staff insurance. Your cleaning lady is insured through her own employer.

Since 1 October 2014, you are legally obliged to declare staff to the National Social Security Office (NSSO).

Provided that this work is done only occasionally and for a maximum of 8 hours per week, persons doing non-manual work at your place should not be declared (e.g. babysitting, keeping company, running errands, etc.).

There are some exceptions:

  • roof works,
  • fell trees
  • groom horses
  • caretaker

As this depends from insurer to insurer, Materné is happy to check this for you in your own policy.

No, someone working for you on a self-employed basis is personally responsible for the financial consequences of accidents while performing this work.

The self-employed must provide their own safety nets, think of accident insurance, guaranteed income, etc.

Materné is happy to advise self-employed entrepreneurs and draw up the risk analysis together.

No, you only need to take out one policy for all your helping hands.
With this insurance, anyone who comes to help you is insured, even without us needing their name. It does not matter whether you employ them occasionally, whether they are subject to the NSSO or not, regardless of the number of people working, etc.
Contact Materné for a tailor-made quote.

Other solutions for optimal coverage

Take the uncertain as the sure thing and discover our insurance policies that perfectly match it.

Legal aid
Legal expenses insurance protects your business and/or family in various legal matters, depending on the cover you choose. Materné goes over your options.
Accident insurance protects you from the financial consequences of accidents or injuries. Materné will compare the options with you.
Family insurance protects you from the financial consequences of damage caused by you, your family members or your pets. Materné compares your options.

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