The Law
Private homes are workplaces.

Hiring in-home childcare in Massachusetts means employing someone inside your private residence. That carries legal responsibilities.

This page does not replace legal advice. It points you directly to official Massachusetts sources and encourages you to speak with the appropriate professionals for your specific situation.

Mass.gov: Domestic Workers (Childcare in Private Homes)
Start here: Massachusetts Domestic Workers overview (childcare in private homes).

This page explains how Massachusetts law applies to domestic workers, including in-home childcare providers. Review it carefully before employment begins.

Massachusetts Domestic Workers Bill of Rights
The Domestic Workers Bill of Rights outlines key protections and employer responsibilities for household employment.

Insurance and Liability Considerations

In-home childcare intersects with multiple areas of insurance and liability.

Before employment begins, families should speak directly with their insurance professionals regarding:
• Homeowners or renters liability coverage
• Workers’ compensation requirements
• Umbrella policies
• Auto insurance if driving is part of the role

Do not assume coverage exists. Ask your insurance carrier how employing someone inside your home affects your policy.

If driving is expected, clarify in advance:
• Whose vehicle will be used
• Which insurance policy applies
• Whether any work-related classification is required

Ask the Right Professionals

If you have a question about auto insurance, homeowners insurance, renters insurance, umbrella coverage, or workers’ comp: ask your insurance agent or carrier.

If you have a question about employment contracts or household employment law: ask an employment attorney.

If you have a question about payroll, taxes, and compliance: ask a household payroll professional or CPA.

Do not guess. Do not assume. Do not rely on generic internet advice to make decisions in your home and workplace.