Insurance for domestic staff — SPECTRUM DOMUS

Comprehensive insurance for domestic staff in Spain is not merely an optional extra but a fundamental pillar of responsible hiring that protects both employer and worker. Our partner, the insurance company SegurHogar, offers specialised insurance solutions for the domestic employment sector in Andalusia, designed with all the risks associated with working in private households in mind. A properly selected domestic staff insurance policy covers the full spectrum of unforeseen situations — from household accidents and workplace injuries to complex legal disputes with the worker. Getting insurance for a housekeeper, nanny, or gardener through Spectrum Domus is now fully online, with no office visit or paper forms required.

1. Accident insurance

The basic accident insurance policy (seguro de accidentes) covers injuries sustained by domestic staff while performing their work duties. This is particularly relevant for higher-risk roles: gardeners in Seville working with power tools and at height, nannies in Málaga actively interacting with young children, caregivers lifting people with reduced mobility. Accident insurance for a housekeeper in Spain guarantees compensation for temporary or permanent incapacity and covers medical and rehabilitation expenses beyond the basic coverage provided by the Spanish public healthcare system. Read about the platform base tariffs in «New Platform Tariffs 2026».

2. Employer civil liability

Employer civil liability insurance (seguro de responsabilidad civil) is the second fundamental pillar of domestic staff insurance protection. If your worker — for instance, a housekeeper with contract who accidentally floods the downstairs neighbours' flat, or a gardener who damages valuable property on the grounds — causes harm to third parties, SegurHogar takes full responsibility for handling all claims and compensation payments. The standard employer civil liability insurance policy limit reaches €300,000, an amount that comfortably covers the vast majority of everyday domestic situations. We also recommend consulting the specifics of the employment contract for domestic staff: insurance obligations are inseparably linked to the contract.

3. Legal defence insurance

Legal defence insurance (seguro de defensa jurídica) deserves special attention as a highly sought-after option for domestic staff employers. Labour disputes in the home staff sector are unfortunately not uncommon: claims of unpaid wages, denied holiday leave, unfair dismissal. Legal costs and lawyer fees can be substantial. A legal defence insurance policy for domestic employment covers the costs of qualified solicitors, court fees, and even court-awarded compensation when the dispute is heard under labour law jurisdiction. This is especially valuable for families hiring staff across multiple properties in Andalusia.

4. Life and health insurance

The SegurHogar programme also includes a life and health insurance option (seguro de vida y salud), providing a fixed lump-sum payout in the event of the insured worker's death or permanent disability. While life insurance for domestic staff is not formally a legal requirement under Spanish law, having such a policy clearly demonstrates an employer's social responsibility and serves as a compelling argument when attracting and retaining qualified professionals. For more on legal obligations, see our «Employer Rights and Obligations» guide.

5. Cost of insurance

The cost of domestic staff insurance depends on several key factors: the number of insured staff members, each worker's level of occupational risk, and the chosen scope of coverage. A basic insurance package for a single worker — housekeeper, nanny, or gardener — starts at €15 per month, comparable to the cost of one restaurant dinner. Progressive discounts apply when insuring multiple staff: up to 20% off for policies covering three or more people. All rates are fixed and transparent, with no hidden commissions or additional charges.

6. Online policy application

The insurance application process is streamlined to the maximum for Spectrum Domus platform users. No need to travel to an insurance office or fill in complicated multi-page forms — everything is handled online through our portal in just 15 minutes. After completing a brief electronic form and making payment, the policy becomes effective within 24 hours. In the event of a claim, you can contact SegurHogar's 24/7 support service, where you will be assisted in English, Spanish, or Russian, helped to quickly gather the required documentation, and guided through the claims process.

7. Employer temporary incapacity insurance

We strongly recommend also taking out supplementary employer temporary incapacity insurance (seguro de incapacidad temporal del empleador). This option guarantees that all your domestic staff's wages continue to be paid on time even if you suffer prolonged temporary incapacity — for example, during serious hospitalisation or extended rehabilitation. It ensures continuity of the employment relationship, protects workers from financial instability through no fault of their own, and preserves your reputation as a responsible and reliable employer. For more on finding staff, see «How to Choose a Housekeeper in Andalusia».

Special offer for Spectrum Domus users: take out comprehensive domestic staff insurance through our platform before the end of 2026 and receive your first month of coverage completely free. A free consultation with a SegurHogar insurance expert is also available to help you select the optimal insurance package based on all your specific needs and the particularities of your staff's employment. Invest in peace of mind — yours and your employees'! We also recommend reviewing our employment contract for domestic staff guide, as insurance obligations and guarantees are inseparably linked to the contractual terms. Also check our article on accounting services for employers: insurance and accounting go hand in hand.