Partner: household liability insurance — SPECTRUM DOMUS

Partner: domestic staff liability insurance — SegurHogar

Insurance for domestic staff is not an optional extra — it is a fundamental pillar of responsible hiring that protects both employer and worker. Our partner, insurance company SegurHogar, offers specialised policies for the domestic employment sector in Andalusia. Family policies from €5/month, fully online in 3 minutes.

Accident insurance

The basic policy covers injuries sustained by domestic staff while performing their duties. This is especially relevant for gardeners working with power tools and caregivers who lift heavy loads. The policy guarantees compensation for temporary or permanent incapacity and covers medical expenses beyond public healthcare. Read more in «Employment contracts for domestic staff».

Employer civil liability

If your worker causes damage to third parties — for example, flooding the downstairs flat or damaging property — SegurHogar handles all claims and compensation payments. The coverage limit is up to €300,000. For other employer obligations, see «Employer rights and obligations».

Legal defence insurance

Labour disputes in the domestic service sector are unfortunately not uncommon. Legal defence insurance covers solicitor fees, court costs, and compensation awards. It is especially valuable for families with staff across multiple properties in Andalusia. Life and health insurance with a lump-sum payout is also available.

Take out your insurance policy through Spectrum Domus and get your first month free! Get in touch or browse the catalogue.