Occaisional help
Recommendation: There’s an affordable annual insurance policy that covers you when hiring occasional help, like someone to clean the gutters, fix a plumbing issue, do garden maintenance, or any other type of maintenance around your home or property.
It’s called Riesgos del Trabajo - Ocasional, and it costs around $80 per year.
This insurance is designed for homeowners who occasionally hire workers. It covers accidents or injuries that may happen while someone is working on your home, lot, or declared property, even if it’s just a one-time job.
Having this insurance means you’re protected as an employer, and the person you hire is also covered. It’s a smart way to stay safe and responsible.
I highly recommend signing up—especially if you plan to hire anyone for house or yard work this year. You can buy it online here: https://asegurate.ins-cr.com/frmCotizaRT.aspx
House cleaning
Similarly, if you hire someone to help clean your house, even if it’s just once a week or occasionally, there’s an insurance option to protect both you and them.
It’s called Riesgos del Trabajo - Hogar, and it’s an annual insurance policy designed for homeowners who employ domestic workers (like cleaners), either regularly or occasionally.
This policy covers accidents or injuries that may happen while they’re working in your home. It gives you peace of mind knowing you’re fulfilling your responsibility as an employer, and making sure the person helping you is protected too.
It’s affordable, easy to set up, and a smart way to stay covered. https://asegurate.ins-cr.com/frmCotizaRT.aspx
Aren’t workers insured through the Caja?
Yes and no, it’s different for accidents at work. If your cleaner for example has an accident while at your house, she/he could go to the emergency room at the Caja for attention, she/he would be taken care of, but it being an accident at “work”, you could be liable for that accident and forced to pay the Caja services if the worker is not insured under Caja. This Insurance for RT at INS covers the worker, but also the employer, so an injury because of an accident will be treated at an INS facility instead of Caja. So Caja would be for healthcare, INS for accidents.
Hiring a contractor
If you hire through a contractor, make sure the contractor has his workers under INS, so that they are covered for any accidents. If you are hiring the worker directly for occasional works, then having this Insurance is your safety net.