Workers’ compensation provides cash benefits and/or medical care for workers who are injured or become ill as a direct result of their job. Most states – including California, Connecticut, Massachusetts, New Jersey, and New York – require household employers to obtain coverage. Workers’ compensation will likely need to be separate policy. In California and New Jersey, coverage can be added to a homeowner’s policy. Not having the appropriate policy in place is one of the costliest mistakes a household employer can make with fines and penalties quickly reaching into the tens of thousands of dollars.