What happens when your independent maids slips and falls outside of your home? It will most likely be a case for the courts. In one case, a independent maid who had served the same family, one morning a week, for 18 years ended up falling and suing the family. If this maid had worked for a legitimate company, her employer would have covered her with workers comp insurance, insulating the homeowner from risk.
How do you differentiate a Independent Contractor from a Domestic Employee? It goes to control. If the homeowner controls the day a independent maid works, her duties on the job, and supplies her with the tools she uses to clean the home, that Independent Maid is really an Employee of that household. Even if she only works a couple of hours a week.
When you have employees, even domestic employees, you need to carry workers compensation insurance because your homeowners insurance will not cover you.