Who qualifies as a Residence Employee under the Homeowners Policy?

The term "Residence Employee" under the Homeowners Policy specifically refers to individuals who are employed by the insured to perform duties at their residence. This typically includes tasks such as maintenance, cleaning, or other household work. Therefore, someone who is employed to perform maintenance tasks at the residence fits this definition.

This designation is important because it determines the policy's coverage for injuries sustained by individuals working in or around the home, as well as liability protections associated with these employees.

Family members living in the household, independent contractors, and friends helping with domestic chores do not meet the criteria for a Residence Employee within the context of a Homeowners Policy. Family members would typically not be considered employees, independent contractors frequently work under different agreements outside of that definition, and friends helping out are not typically employed for their actions.