Welcome to Build Bunker Workers’ Compensation for Caregivers

The team at All Risks, Ltd. is proud to support Build Bunker Workers’ Compensation for Caregivers, a specialized program designed to meet the unique needs of families with senior caregivers. We have collaborated with an A- rated insurance carrier to provide this vital protection to domestic employers.

Get an Instant Quote

Complete the required fields(*) to get an instant quote.

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Getting Started
What you will need to get started

To expedite the application process, you may be asked to provide the following:
- MVR records - If your Caregiver drives as part of his or her duties, a copy of their driving record (Motor Vehicle Report) taken within the last 30 days is required. (Option available to have driving record obtained for a $25 fee)
- Claims History Report - If you have had a previous Workers Compensation policy on a Caregiver and there were claims, a copy of the claims history report (loss runs) will be required.
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Applicant Info
Name*
Prefix First Name Middle Name Last Name
Email Address*
Employment Address*
Street Address Address Line 2 City State Zip
Is your mailing address the same?
- Is your mailing address the same as your employment address?
Mailing Address*
Street Address Address LIne 2 City State Zip
Phone Number*
How did you hear about us?*
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Policy Information
Effective Date
MM slash DD slash YYYY
Employer's Liability Limits
FEIN
4
Supplemental Questions
Have you ever had any prior Workers’ Compensation coverage on any caregivers employed in the home?
Please provide a copy of loss run report
Drop files here or

Max. file size: 128 MB.
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In order to complete the processing of this application, you will need to send us a copy of your loss run report. You can either upload the document OR you can send a copy via email to homestaffprotectwc@allrisks.com

Note: Based on results from loss history report, risk will either be declined or accepted.
Are there any other W2 employees working in the home besides caregivers for your loved one(s)?
Are caregivers required to have driving duties while on the job to run errands for the loved one or take them to doctor appointments?
Please select MVR Record Method
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In order to complete the processing of this application, you will need to send us a copy of your nanny's MVR record. You can either upload the document OR you can send a copy via email to homestaffprotectwc@allrisks.com

Note: Application will be "pending" until items received and reviewed.
Upload MVR Record
Drop files here or

Max. file size: 128 MB.
Driver's First Name & Last Name
First Name Last Name
Driver's License Number
State
Driver's Birth Date
MM slash DD slash YYYY
Agree that we will find our MVR record*
- You agree that we will find your MVR record and accept our $25 fee for doing so.
Will your caregiver be residing in the residence where the care is being performed?
Are you a part of caregiver sharing arrangement with another family where you will jointly be employing the same person looking after each family’s loved one at the same time?
Will your caregiver ever be asked to perform the following job duties: (Check any that apply)
- Assistance with toileting, showering/bathing.
- Help transferring in and out of bed as well as body repositioning.
- Administration of medication
- Checking of vitals, taking temperature/blood pressure etc.
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Description of Employment
Please give a description of the Senior Caregiver Duties and Responsibilities
We (the employer) have hired a caregiver to provide services in the home. The caregiver will provide services for the senior client in multiple ways and will be working for us on a regular basis.
Note: This is the standard description of employment for a senior caregiver. If your situation is different please make the changes in the box above.
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General Information
Any seasonal employees?
You answered "Yes" to "Any seasonal employees?" Please Explain
Any employees under 16 or above 60 years of age?
You answered "Yes" to "Any employees under 16 or above 60 years of age?" Please Explain
Do employees travel out of state?
You answered "Yes" to "Do employees travel out of state?" Please Explain
Any prior coverage declined/cancelled/non-renewed in the last three (3) years?
You answered "Yes" to "Any prior coverage declined/cancelled/non-renewed in the last three (3) years?" Please Explain
Any tax liens or bankruptcy within the last five (5) years?
You answered "Yes" to "Any tax liens or bankruptcy within the last five (5) years?" Please Explain
Any undisputed and unpaid workers' compensation premium due from you or any commonly managed or owned enterprises?
You answered "Yes" to "Any undisputed and unpaid workers' compensation premium due from you or any commonly managed or owned enterprises?" Please Explain
Any employees with physical handicaps?
You answered "Yes" to "Any employees with physical handicaps?" Please Explain
Does the applicant own, operate or lease an aircraft or watercraft?
You answered "Yes" to "Does the applicant own, operate or lease an aircraft or watercraft?" Please Explain
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Other Information
Important: The standard workers' compensation application has numerous questions that typically don't apply to this particular application type. Instead of asking you to answer these questions we have excluded them from this questionnaire.
Do / have past, present or discontinued operations involve(d), storing, treating, discharging, applying, disposing, or transporting of hazardous material? (e.g. landfills, wastes, fuel tanks, etc)
You answered "Yes" to "Do / have past, present or discontinued operations involve(d), storing, treating, discharging, applying, disposing, or transporting of hazardous material?" Please Explain
Any work performed underground or above 15 feet?
You answered "Yes" to "Any work performed underground or above 15 feet?" Please Explain
Any work performed on barges, vessels, docks, bridge over water?
You answered "Yes" to "Any work performed on barges, vessels, docks, bridge over water?" Please Explain
Is applicant engaged in any other type of business?
You answered "Yes" to "Is applicant engaged in any other type of business?" Please Explain
Are sub-contractors used? (If "Yes", give {cb1ca61dcc6fd2085102a7d5d0177baa5511c5afedc8d095013024c77997555d} of work subcontracted)
You answered "Yes" to "Are sub-contractors used?" Please Explain
Any work sublet without certificates of insurance? (If "Yes", payroll for this work must be included in the State Rating Worksheet on Page 2)
You answered "Yes" to "Any work sublet without certificates of insurance?" Please Explain
Is a written safety program in operation?
You answered "Yes" to "Is a written safety program in operation?" Please Explain
Any group transportation provided?
You answered "Yes" to "Any group transportation provided?" Please Explain
Is there any volunteer or donated labor?
You answered "Yes" to "Is there any volunteer or donated labor?" Please Explain
Are athletic teams sponsored?
You answered "Yes" to "Are athletic teams sponsored?" Please Explain
Are physicals required after offers of employment are made?
You answered "Yes" to "Are physicals required after offers of employment are made?" Please Explain
Any other insurance with this insurer?
You answered "Yes" to "Any other insurance with this insurer?" Please Explain
Are employee health plans provided?
You answered "Yes" to "Are employee health plans provided?" Please Explain
Do any employees perform work for other businesses or subsidiaries?
You answered "Yes" to "Do any employees perform work for other businesses or subsidiaries?" Please Explain
Do you lease employees to or form other employers?
You answered "Yes" to "Do you lease employees to or form other employers?" Please Explain
Do any employees predominantly work at home? If "Yes", # of Employees
You answered "Yes" to "Do any employees predominantly work at home?" Please Explain
What is the estimated gross annual payroll for all direct privately hired caregivers?
How many caregivers are currently employed?
Full Time Part Time
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Application Review
**The undersigned attests that all information provided is both accurate and truthful. All information provided is subject to verification by way of an underwriting survey or inspection. You must notify All Risks, LTD. of any significant change in operations or payroll. Terms of insurance coverage may be cancelled for misrepresentation if information provided is inaccurate.**
Applicant Signature*
Print Name*
Date*
MM slash DD slash YYYY

FAQs About Workers' Compensation Insurance

Why is Workers’ Compensation insurance so important?

Families that don’t have workers’ compensation insurance coverage take on significant risk if there is ever a workplace injury. This means paying out-of-pocket for the employee’s lost wages and medical expenses. A significant accident could be financially devastating. Here is a real-life case:

Nanny Sues Over Work Injuries

A nanny tripped over the family dog causing her to fall down a staircase and injure her back, head, and shoulder. Unable to work, the nanny sued the family for more than $20,000 for injuries and lost wages and allegedly the incident resulted in her having a miscarriage. Additionally, the nanny said the family “had direct knowledge that a claim had been submitted under their homeowner’s liability policy and denied because the incident did not fall under the conditions where homeowners insurance would come into play. Instead, the accident would only be covered if the family had a workers’ compensation policy in place – which they did not. Based on the gross annual pay received from the family for the past 3 years, the nanny was entitled to workers compensation benefits based on the state requirements.

www.lawyershop.com
Case No. CJ-2005-1333-BH

In addition to financial liability, in states where workers’ compensation is required, there are substantial fines for non-compliance. Finally, workers’ compensation insurance provides legal protection because employees who accept benefits generally forfeit their right to sue the employer – regardless of fault.

What are the Workers’ Compensation requirements by state?

The workers’ compensation requirements for household employers are unique in every state. To learn more about the requirement in your state specifically, click here.
What states can coverage be written in?

HomeStaff Protect workers’ compensation policies are available in CT, MD, VA, IL, FL, NY, AZ, TX, MN, CA, MI, NC, GA.

We handle almost every state in the country. Please complete the application, or reach out to Clarke White @ cwhite@allrisks.com to learn more!

Phone: 800-366-7475, ext 4209
Email: cwhite@allrisks.com

Contact Us

Thank you for your interest in obtaining a workers’ compensation policy through Build Bunker. The goal of the program is to provide access to specialized workers’ compensation insurance policies to meet the unique needs of families with household employees, specifically senior caregivers. It was developed in collaboration with Build Bunker and All Risks, Ltd. and supported by AmTrust Financial, an AM Best A- Rated Insurance Carrier.

allrisk logo

From easy quotes, to streamlined applications and expert claim support, HomeStaff Protect is dedicated to making workers’ compensation insurance simple to obtain and simple to manage.

For more coverage information, please contact
Phone: 800-366-7475, ext 4209
Email: cwhite@allrisks.com

For claims information, please contact Amtrust Claims department.
Option #1 (preferred): Toll-Free Phone Reporting
1-888-427-2491
Option #2: Toll-Free Fax Reporting
1-866-855-1660

Welcome to Build Bunker Workers’ Compensation for Caregivers

Get an Instant Quote

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What you will need to get started

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FAQs About Workers' Compensation Insurance

Why is Workers’ Compensation insurance so important?

Nanny Sues Over Work Injuries

What are the Workers’ Compensation requirements by state?

What states can coverage be written in?

Contact Us