I'm going a different route now. Remember, I moved my elderly parents into my home and pay sitters 15 hrs daily. I was having my parents be the sitters employeer and purchase workmans comp. However, then if the sitters got hurt they would sue my parents (who would be covered by workmans comp) AND me as the property owner who is not covered. My homeowners will not cover the sitters under my liability coverage. Someone told me that I should be the employeer and purchase the workman's comp in my name. Then if the sitters are hurt helping my parents or in my yard (their workplace) I would be covered. Is that true? Does that sound like the way to go? One more question --- If I purchase a million dollar policy and I own 900,000 in assets am I totally protected? On the other hand if I purchase a 500,000 policy and own a million in assets I could be out 500,000 --- right??? (These money figures are just examples) Thanks very much for your help. I am trying to do this right so that I can sleep at night.