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<<As far as insurance, In WA State (dunno about other states) you don't have to buy worker's comp insurance for live-in help. >>


Ummm, do you have a reference for that? What I found is:

Sure:

"The following are the only employments which shall not be included within the mandatory coverage of this title:

(1) Any person employed as a domestic servant in a private home by an employer who has less than two employees regularly employed forty or more hours a week in such employment."

https://app.leg.wa.gov/RCW/default.aspx?cite=51.12.020
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