It is unimaginable to keep up with household chores, work, attend to children and other commitments all at the same time. Hence, maid or domestic help agencies provide experienced and competent domestic helpers to customers who require assistance. However, very often agencies without domestic maid insurance are caught in the cross hairs of the customer and the domestic helper itself.
The agency then suffers damages, be it through finances, reputation, or customer and employee care.
Domestic Help Insurance Protects the Maids and the Maid Agency
Maids and domestic helpers are humans and come with their share of requirements, personalities, conditions and styles of work.
Needless to say there are several other factors that may affect their work experience as well.
Imagine having to deal with customer complaints about injury, theft or other issues while you’re trying to focus on growing your own domestic helper agency.
Similarly, it is natural to have accidents or feel unwell in a new country.
But then having to pay for the maid’s medication and making sure they are able to get back to work is too much.
This article will discuss 5 reasons as to why a maid insurance can give you a peace of mind to focus on your business.
1. Medical and Outpatient Coverage
Maids or domestic helpers are humans at the end of the day.
Many travel from foreign countries and try to make a living in order to support their families back home.
Normally, when a maid falls ill the agency or employer has to pay for the outpatient consultation charges and medications.
Especially with the onset of COVID 19, many customers get worried when their domestic help falls ill.
The employer has to carry out the necessary steps to make sure that the maid is healthy and fit enough to get back to work.
Imagine doing this for all the maids or domestic helpers you are hiring.
This will cause a significant dent in your business profits and your plan of growing your maid agency.
However, with a maid insurance or domestic helper insurance, maid agencies and hiring services have nothing to worry about.
Firstly, the maid insurance has been made mandatory by the government.
Secondly, it helps lift the financial burden of the losses incurred by the maid agency due to their maid’s actions be they work related or non-work related.
Therefore this includes any medical and outpatient costs that occur in case a maid falls ill or requires any type of medical attention.
This type of medical and outpatient coverage is a basic policy that all agencies must purchase.
Furthermore, the maid insurance coverage also considers surgical and specialist packages as well.
2. Accident Coverage
Accidents are not uncommon; even in homes accidents can take place.
So, purchasing domestic helper insurance helps relieve the stress of finding the budget to pay for a maid’s surgery or medical procedure due to an accident.
For example, a domestic helper from your agency is walking a customer’s child around the park in the evening and suddenly a car speeds across the road injuring your maid while they head back home.
The result is you are rushing to the hospital because the customer is calling you.
On your way there you are thinking of how bad the injury is and if you have enough funds to help the maid.
Having a maid insurance helps lighten that financial burden on you and your maid agency.
As an employer you can then focus on making other arrangements that can help the maid recover.
3. Maid Replacement Coverage
Usually when customers hire maids from an agency, they are given a few options based on the criteria they provide.
Once the agency finds a match the customer meets with the maid and has an interview, after which they decide to continue.
Once the maid is hired a contract is written up and the terms and details of the job are discussed.
One such detail is the duration the maid has agreed to work for.
Some maids are hired on a long term basis, while others are hired for smaller periods of time.
But, what happens when a maid or domestic helper refuses to work for the stipulated time mentioned in the contract?
The agency has to incur certain financial losses when a domestic helper refuses to stay for the duration decided in the contract.
Most customers then ask the agency to find a replacement or demand for a refund of the commission they have paid the agency.
Now, if you are an entrepreneur running a new maid or domestic helper agency then these types of situations will surely cost your progress.
However, a comprehensive maid insurance will help you bounce back from these type of setbacks and cover all the expenses of replacing a maid for a customer.
More than anything else it will give you the much needed peace of mind to focus on improving your business.
4. Repatriation Coverage
When you are in the maid or domestic helper services field, repatriation of maids who wish to go back to their countries is not unheard of.
Sometimes this may happen as soon as they start a working contract.
As humans, maids or domestic helpers get cold feet too, they get insecure or scared of the challenges or new experiences in the host country.
Maids who are new to the job and have not lived away from families can also drop out from a contract.
Hence, it is the employer’s responsibility to arrange their safe passage back home.
It takes time, effort, money, and a considerable amount of paper work to arrange for domestic helpers to travel.
Maid insurance policies make it easy for agencies to handle such cases by covering travel costs and also aiding in the required government or immigration documentation.
5. Maid Insurance Helps Protects Both the Maid and Employer
Abuse and Safety
Several maid insurance policies also have plans that can assist maids when it comes to cases of abuse and safety.
The Ministry of Manpower has made safety training and guidance for every local and foreign domestic helper mandatory.
As employers, this training helps us make sure the maids know their safety protocols and rules.
This lifts the stress and responsibility from our shoulders of training maids as we try to fight our own battles of growing as a maid agency or domestic helper service provider.
Apart from the right training, a maid insurance policy will also assist maids in compensating for any work related abuse that they may experience.
Depending on the case of abuse, maid insurance policy can provide the right medical, financial or legal assistance the domestic helpers require.
Theft and Customer or Employer Protection
The maid insurance is also a blessing for the customer or the agency.
Cases of theft by maids and domestic helpers are a reality in our world.
When such a situation arises, the domestic help agency is the first to be notified and charged for liability by the customer.
The maid agency is dragged into a mess of refunding the payment made for the services as well as the cost of the items or things stolen.
So, in order to compensate for the loss of any of the customer’s belongings and valuables, maid agencies can use the maid insurance.
Depending on the plans and types of policies a typical maid insurance offer, domestic aid agencies are able to deal with the claims of the customers fearlessly.
In a nutshell, the 5 reasons mentioned above show that maid insurance will definitely give you the peace of mind to focus on your business. Having a domestic helper insurance gives every maid agency or domestic helper employer the assurance that they are not alone and have the right support to deal with any of the repercussions that arise while providing domestic help services. This lightens their burden and stress tremendously and allows them to focus on growing and expanding their maid agency or domestic help services.