Per Workers' Compensation law, domestic workers, or private household workers, employed 40 or more hours per week by the same employer (including live-in help), are required to be covered by a New York State workers' compensation insurance policy.
While coverage is not required, a person who employs household workers for less than 40 hours per week is strongly encouraged to obtain a voluntary workers' compensation insurance policy to protect both the employer and the employee.
The two classifications of domestic workers are inside and outside. They are further categorized by the number of hours they work a week.
Inside domestic workers are employees exclusively engaged in household or domestic work primarily performed inside the house. Examples: cook, housekeeper, home health aide, babysitter
- Code 0913 Inside domestic who works more than 20 hours per week.
- Code 0908 Inside domestic who works 20 hours or less per week.
Outside domestic workers are employees exclusively employed in household or domestic work primarily performed outside the house. Examples: private driver, gardener
- Code 0912 Outside domestic who works more than 20 hours per week.
- Code 0909 Outside domestic who works 20 hours or less per week.
Report Payroll for Domestic Workers
Follow the steps outlined to report payroll for domestic workers by classification code:
For 0913 or 0912 (more than 20 hours per week):
- Count the number of full-time employees who worked more than 20 hours a week during the same time period.
- Enter the payroll paid, the number of employees, and the locations indicated for the period listed.
- List the number of concurrent full-time domestics under "Total."
For Code 0909 or 0908 (20 hours or less per week):
- Determine the total number of hours worked (on average) per week, and divide by 20.
- Enter the resulting number under “Total.” Example: For a total of 80 hours, divide 80 by 20. The number entered would be 4. You must enter a minimum number of 1.
- Enter the payroll paid, number of employees, and locations indicated for the period listed.
To expedite processing, complete, sign and return the payroll report to NYSIF within 30 days.
Note: Failure to return payroll reports for one or more policy periods may result in an estimated earned premium billing at a higher cost.