What type of workers are covered under Residence Employees coverage?

Residence Employees coverage typically applies to individuals who perform services within or around a residential property. This type of coverage is designed to protect homeowners from liability arising from injuries that these employees might suffer while working on their property.

Gardeners and cleaners are classic examples of residence employees, as they are usually hired to perform specific tasks at a residence and are under the direction of the homeowner. This contractual relationship emphasizes their role in maintaining the household.

The coverage is specifically tailored for those individuals directly employed by the homeowner, rather than independent contractors, which might not have the same level of direct supervision or direct employment relationship. Therefore, resources for workers who are hired as independent contractors, such as freelancers or self-employed workers, typically fall outside this category since they operate their own businesses and are generally not considered employees of the homeowner.

Moreover, the distinction doesn't solely rely on whether an employee is part-time or full-time, as both types can be considered residence employees if they fit the context of the work done for the homeowner. It's specifically the nature of the role that determines coverage under this classification.