Most people don’t think of nannying, housekeeping, gardening or other domestic work as particularly dangerous. However, domestic workers are still vulnerable to a range of on-the-job accidents and injuries.

If you’re a domestic worker, you may not have considered what will happen if an injury on the job affects your ability to work. An on-the-job accident can quickly rack up medical bills, lost wages and other expenses that seem impossible to cover. Fortunately, you are unlikely to be fully responsible for these costs under New York law.

Workers’ compensation for domestic workers

Your live-in status, long hours and close relationship to your employer’s family set you apart as a domestic worker. However, you are still entitled to all of the legal protections afforded other employees under the law, including workers’ compensation benefits in the event of an injury.

Your employer is required to carry workers’ compensation insurance if you work at least 40 hours a week. However, many domestic employers are unaware of their legal responsibility and forego insurance. In this situation, they may be personally responsible for any costs resulting from your workplace injury.

Talk to your boss

You deserve to know what you can expect in the event of an injury on the job. It may be wise to talk with your employer and encourage them to purchase workers’ compensation if they haven’t already. If you ever have concerns about your ability to make ends meet in the event of an injury, an experienced workers’ comp attorney can help.