Are maids or butlers considered covered employees under a homeowners policy?

Maids or butlers can be considered covered employees under a homeowners policy because they often fall into the category of resident employees. A resident employee is someone who lives on the premises and performs household tasks within the confines of the home. Homeowners policies typically extend liability coverage to individuals who are considered employees of the insured and contribute to maintaining the household.

In many policies, coverage is extended to employees who perform services far more than just casual labor; it specifically includes those involved in the regular maintenance and upkeep of the home. This designation helps protect homeowners from potential liabilities that might arise from activities conducted by their household staff, such as accidents that could occur while they are performing their job duties on the property.

Thus, given that maids and butlers perform essential tasks to support the household and are usually residents of the home, they qualify as covered employees under a typical homeowners policy.