Which of the following is excluded from Residence Employees coverage?

Independent contractors are excluded from Residence Employees coverage because this type of insurance typically protects individuals who are classified as employees working within a residence. Unlike traditional employees, independent contractors operate under their own business structure and are not directly employed by the household. Consequently, they do not fall under the same insurance umbrella that covers regular employees, including domestic workers or household staff.

The coverage is designed specifically for individuals who have a direct employer-employee relationship. In contrast, options such as part-time domestic workers, household staff, and full-time employees are all considered employees in this context and are, therefore, included under Residence Employees coverage as they work directly for the household and are subject to the terms of employment defined by their employer.