NAICS UNIVERSITY · Free research for insurance agents
Private Households
NAICS 814110 · United States · 2022 edition
This industry comprises private households primarily engaged in employing workers on or about the premises in activities primarily concerned with the operation of the household. These private households may employ individuals, such as cooks, maids, nannies, butlers, non-medical personal care aides, and outside workers, such as gardeners, caretakers, and other maintenance workers.
Start the review with workers' compensation.
For Private Households, the saved research highlights workers' compensation, employer liability, employment practices liability. Confirm how these arise in the actual operation, what controls are used and whether additional services change the proposed coverage.
Questions to ask
- How many household employees are currently employed, and what are their primary duties?
- Are any employees live-in, and if so, is housing provided as part of their compensation?
- Do any employees drive — either the household's vehicle or their own — as part of their job duties?
- Does the household currently carry workers' compensation for domestic employees, or has it relied on a homeowners policy?
- Have there been any prior workers' comp, employment practices, or personal injury claims involving household employees?
- Are any employees performing duties that could be considered personal care, medical assistance, or elder care?
- Are employees classified as W-2 employees or 1099 independent contractors, and has the household employer consulted a tax or HR advisor about classification?
- For Private Households, what should the underwriter know about large household staff with multiple concurrent employees performing physically demanding duties, such as grounds maintenance, pool service, or heavy lifting for personal care?
Activities described by this code
Other activities to examine
- Providing non-medical personal care services for the elderly or persons with disabilities (except private households): 624120 — Services for the Elderly and Persons with Disabilities;
- Providing care and early learning opportunities for infants and children (except private households): 624410 — Child Care Services
Census classification reference
For educational purposes only. AI-generated insurance research and automated logic can contain errors. Independently verify classification and coverage decisions.
Compare another operationInsurance operations research — draft
Private households in this classification employ domestic workers — cooks, housekeepers, nannies, personal care aides, gardeners, drivers, and general household staff — on a regular basis at a private residence. The household functions as the employer, with workers performing tasks related to the upkeep and daily operation of the home and the care of its occupants.
Questions to investigate
- How many household employees are currently employed, and what are their primary duties?
- Are any employees live-in, and if so, is housing provided as part of their compensation?
- Do any employees drive — either the household's vehicle or their own — as part of their job duties?
- Does the household currently carry workers' compensation for domestic employees, or has it relied on a homeowners policy?
This insurance research was generated in April 2026. It has not received a complete human review. The October 12, 2026 audit checked codes and titles only, not descriptions or coverage assertions.