Covid-19 Outbreak SA Online Resource | More info
Insurance, Car Insurance, Funeral Cover, Life Insurance, Budget Insurance, Insurance Quotes, CompareGuru, South Africa.
Car and Household
Business
Life and Funeral
Car Insurance
Cover your vehicle
More Information
Get Quote
Pre-Owned Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Extended Warranty
Cover the mechanical and electrical components of your vehicle
More Information
Get Quote
Scratch and Dent
Cover small dents, chips and scratches to your vehicle
More Information
Get Quote
Tyre and Rim
Cover damages to your wheels
More Information
Get Quote
Home Insurance
Cover your home and everything in it
More Information
Get Quote
Commercial Vehicle Insurance
Protect vehicles and drivers used in the day-to-day operation of your business against risks like financial loss, damage or personal injury.
More Information
Get Quote
Commercial Insurance
Provide cover against common risks and disruptions to business operations, such as theft, damage to property, employee / client injury and much more.
More Information
Get Quote
Directors and Officers Liability
Safeguard your business and key players from financial loss with the right policy.
More Information
Get Quote
Errors and Omissions Liability
Covers your business and employees against claims of negligence, poor workmanship, and more.
More Information
Get Quote
Life Insurance
Provide for your loved ones
More Information
Get Quote
Disability Insurance
Protect your paycheck
More Information
Get Quote
Serious Illness Insurance
Cover yourself for illnesses like cancer, Alzheimers, Parkinsons, strokes or heart attacks.
More Information
Get Quote
Funeral Cover
Protect your family financially and cover funeral expenses
More Information
Get Quote
Domestic Worker Insurance
Cover the person that looks after you and your family everyday
More Information
Get Quote
Menu
Home
About Us
Domestic Worker Cover Quote
Life Insurance Quote
Car Insurance Quote
Funeral Insurance Quote
Extended Warranty Quote
Pre-Owned Warranty Quote
Scratch and Dent Quote
Tyre And Rim Quote
News Room
Meet The Team
Careers
Providers
Insurance
Car Insurance
Building Insurance
Household Contents Insurance
Life Insurance
Disability Insurance
Serious Illness Insurance
Domestic Worker Insurance
All Risk Insurance
Funeral Insurance
MotorVAPS Cover
Commercial Insurance
Commercial Vehicle Insurance
Directors and Officers Liability Insurance
Errors and Omissions Liability Insurance
Support
Contact Us
Terms of Service
Privacy Policy
Disclosures
Client Letter
POPI Act
PIA Act
CIM Policy
Complaint Escalation
TCF Form

News Room

Why Are More South African’s Taking Out Insurance For Their Domestic Workers?

Kristen Clague
2020-05-18
An increasing amount of Domestic Worker Insurance policies are being taken out by South African employers. What exactly does domestic worker insurance cover and why are households getting this type of cover?

It’s estimated that over one million domestic workers make up part of the South African workforce. In many cases, domestic workers are welcomed into the employer’s households, trusted with their children and often play a major role in the home, even becoming part of the family.

Sadly, many domestic workers and their families struggle financially and are unable to prepare for their retirement or have a safety net in place should something happen to them. Domestic Worker Insurance is a policy taken out by an employer on the life of a domestic worker. This policy then pays a pre-selected amount to a chosen beneficiary in the event of the domestic worker passing away or no longer being able to work. 

Although Domestic Worker Insurance is not a legal requirement, more and more South Africans are opting to take out domestic worker insurance for their valued employees. Let's take a look at some of the reasons why this type of cover can be valuable not only for domestic workers but also for employers.

Fair Employment

Even though domestic workers make up a sizable portion of the workforce, many domestic worker employment conditions are still very informal without employment contracts, benefits, UIF contributions and properly managed leave. Taking out Domestic Worker Insurance for your employee is one step on the way to formalizing your working relationship by offering benefits as part of the employment contract. 

Recognition

By opening a Domestic Worker Insurance policy for someone who helps you maintain your home, you are giving them recognition as a valued member of your household. Considering the intimate relationship that many domestic workers have with their employers' families, offering some financial protection as recognition can go a long way. Domestic workers care for your home and your family – showing that you share that same care towards them will build trust and improve working relationships.

Financial Safety Net For Your Domestic Workers

It's not rare to find that a domestic worker is a breadwinner in their household, even with a low monthly income. Running a household, feeding children and sending them to school is not an easy task on a minimum wage salary. For most low-income earners, saving is not an option. A Domestic Worker Insurance policy provides a financial safety net for domestic workers and their families, giving some cover should something happen to them. This eases the financial responsibility that employers might face too should something happen to their long-time employee.

If you have someone working in your home, helping you mind the children or assisting you with other household tasks, you have likely built up a personal relationship working so closely with this person. Understanding that this person may be facing a very difficult financial situation, many people consider offering some protection to domestic workers, the right thing to do. Opening up an insurance policy for your domestic worker is extremely simple, can all be done online and provides a range of benefits to your valued employee.

Generally, Domestic Worker Insurance policies will cover death, disability and critical illness, meaning that if your domestic worker passes away unexpectedly or is unable to work, an amount will be paid out to their chosen beneficiary.

Premiums vary depending on the cover amount and insurer, however, there are some very affordable monthly premiums available as options. If you’re interested in finding out more about Domestic Worker Insurance, you can compare quotes from the top insurers on CompareGuru and buy a policy online in a few clicks.

CompareGuru has you covered.

During the pandemic, lockdown and beyond, CompareGuru recognises the uncertainty and anxiety you may be experiencing, and to do our part, we are offering the assistance and guidance of our expert Gurus at absolutely zero cost, to answer any and all questions you may have regarding the protection of yourself and your family.

NEED A CHAT? REACH OUT TO A GURU HERE

Our Gurus are assisting anybody with queries relating (but not limited) to the following: 

  • Life Insurance and Funeral Cover;
  • The insurance T's and C’s;
  • How best to structure your insurance at this critical time;
  • And any other queries, where possible.  
CompareGuru Social TwitterCompareGuru Social FacebookCompareGuru Social LinkedIn

Sign up to our Newsletter now, and don’t miss a beat.

Email Address
Name
Sign Up