Household employers face a broad range of responsibilities that, if mishandled, can lead to lawsuits, fines, reputational damage, and a host of other complications. A single misstep, even for employers with the best of intentions, can trigger a cascade of expensive and time-consuming financial and legal penalties.

TEAM shields clients from liability that results from employing household staff. TEAM directly assumes responsibility for workplace injuries, as well as claims and lawsuits related to payroll, tax, wage and hour, and employment law compliance.

We become the W-2 employer of record

TEAM’s model eliminates the unnecessary complexity and risk of being an employer – while allowing clients to stay in control of who works in their home – by becoming the W-2 employer once a service providers has been identified.

Employment administration and liability protection

As the W-2 employer of record, we manage employment administration and take on liability related to:

  • Processing payroll and compliantly retaining records
  • Preparing, filing, and remitting federal, state, and local taxes under TEAM’s EIN
  • Performing pre-employment screening, including background checks and I-9 verifications
  • Procuring workplace insurance policies, such as workers’ comp
  • Human resources management, including coaching, mediation, and interpersonal support
  • Complying with U.S. employment laws, such as administering mandated employment policies, ensuring compliance with wage and hour laws, and more
  • Managing claims related to workers’ compensation, unemployment, and disability
  • Resolving employment-related disputes and performing employment terminations
  • Providing employee benefits, such as 401(k) plans and more

Employment risk mitigation

Our in-house department of HR and compliance experts minimize risk by staying current with employment laws and regulations in all 50 states, including city- and county-level ordinances.

TEAM’s sole focus is on compliance for household employers – so clients can have confidence knowing that the unique scenarios that come with employing household service providers are being sensitively managed.

Workplace insurance policies to minimize the risk of employment

In the event of a work-related injury or illness, failure to have adequate insurance coverage for household employees may not only result in being financially liable for medical bills, lost wages, and ongoing treatment, but in some cases, additional penalties for noncompliance.

As the employer of record, TEAM puts in place internal and external risk management procedures, supported by a robust array of insurance policies designed for the protection of all parties including the employee, the individual or family they provide services for, and the financial institution that often acts as the intermediary.

TEAM holds robust workplace insurance policies that cover all employees hired by TEAM, including:

  • Workers’ compensation insurance
  • General liability and excess liability insurance
  • Employment practices liability insurance (EPLI)
  • Employee theft and crime insurance

HR and compliance support

TEAM’s HR and compliance team provide a host of services, including:

  • Administering mandated policies and developing employee handbooks, job duties and expectations documents, and more
  • Proactive relationship management to prevent employment-related claims and lawsuits, including HR consulting, relationship mediation, conflict resolution, and finding alternative paths to resolution
  • Comprehensive labor law compliance in all U.S. states and territories
  • Investigations into claims of harassment, discrimination, and hostile work environments
  • Risk mitigation best practices throughout the employee lifecycle

Learn more about employment risk protection for household employees

Fill out the form to connect with TEAM and learn more about how we shield our clients from the risk of financial penalties and reputational damage stemming from household employment-related liability.



TEAM takes the liability off the fiduciary by employing our clients’ caregivers. Their response times and knowledge are unmatched.

– Regional Trust Manager