Following passage of the New York Domestic Workers' Bill of Rights legislation, many families who employ household workers (i.e. nannies, housekeepers, senior caregivers, personal assistants, etc.) have been hit with expensive fines from the state for failure to obtain the proper insurance.

Here's the law in New York: if you employ someone to work in your home and the employee a) works 40 or more hours per week, b) is a live-in employee or c) is professionally certified, the family is required to obtain two policies -- Workers' Compensation insurance and Disability insurance. 

To avoid these fines, families must setup employer tax accounts and then apply for the policies.  The least expensive way to obtain Workers' Compensation and Disability insurance policies is to buy them directly from the state.   Since the tax accounts and the insurance applications must be handled sequentially and there are big fines for each day without coverage, we help our New York clients through this process at no extra charge.  We manage it as part of the initial setup with our service so busy families have one less thing to worry about.