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Domestic household coverage
Domestic coverage applies to full or part-time workers employed inside or outside your private residence

Coverage applies to full or part-time domestic workers employed inside or outside your private residence and includes private chauffeurs. Domestic household employers who pay workers $160 or more in a calendar quarter must have workers’ compensation insurance.

Normally these workers provide domestic services such as gardening, housekeeping, babysitting, etc. However, you should include workers you hire as employees to provide home improvement for construction type activities to your residence if the worker does not have his or her own business or their own workers’ compensation insurance. Make sure to supply a 12-month estimate so BWC may calculate your future installment payments due. 

If you are hiring a contractor to perform these services, you may want to verify he or she has active workers’ compensation coverage.