Which individual would NOT be considered a "residence employee" under a homeowners policy?

To determine who would not be considered a "residence employee" under a homeowners policy, it's important to understand the definition and context of a residence employee. A residence employee typically works on the homeowner's premises and is involved in the ongoing maintenance or support of the household.

Lola, as the nanny, is directly caring for the children in the home, which qualifies her as a residence employee. Josef, the gardener, is maintaining the outdoor areas of the estate, and this aligns with responsibilities typical of a residence employee. Janine, the pastry chef, is also an employee who would be directly involved with providing services on the estate, thereby meeting the criteria.

However, Elena, the physical therapist who provides treatments in Ava's home, would not be considered a residence employee because her role is more akin to that of a visiting professional rather than a dedicated household employee. She does not perform tasks that are centered around the household's domestic functions but rather provides a specialized service that is not necessarily tied to the ongoing operation or maintenance of the home itself. This distinction is key in determining the classification of residence employees in the context of a homeowners policy.