Insurance for Domestic Staff in your Home
If you hire help to come assist in household chores, you are required by law to purchase an insurance to protect you against accidents that may occur in your home.
In general, home-help insurance (or workmen's compensation insurance) covers an physical injuries that may have happened to your help while working on your home. Home-help insurance normally covers babysitters, nannies, caretakers, handymen,tutor, gardener, game keeper, or housekeeper. Some staff, such as au pairs, governesses, and chauffeurs may only be covered with the purchase of a special premium. Check with your insurance provider to see who is and isn't covered. The insurance contract that you choose is not in the personal name of your domestic helper, but in their activity.
Insurance and Service vouchers or "Diestencheques"
If you use a cleaning service and you pay using service vouchers, then you do not need to purchase domestic staff insurance, seeing that they are already covered by the company.
Please note: Starting on January 2025, the price of "diestencheques" (or service vouchers) will rise. From 1 January 2025, the price of a service voucher will increase from 9 euros to 10 euros for the first 400 purchased service vouchers per calendar year. Anyone who purchases more than 400 service vouchers per calendar year will pay 11 euros instead of 10 euros per service voucher above the limit of 400. More info about the price hike here.