Domestic Worker Insurance Market Report 2026

The domestic worker insurance market size has grown strongly in recent years. It will grow from $3.79 billion in 2025 to $4.08 billion in 2026 at a compound annual growth rate (CAGR) of 7.7%. The growth in the historic period can be attributed to formalization of domestic labor employment, rising awareness of worker protection policies, expansion of basic health coverage programs, growth of insurance broker networks, increasing urban household employment.

The domestic worker insurance market size is expected to see strong growth in the next few years. It will grow to $5.42 billion in 2030 at a compound annual growth rate (CAGR) of 7.4%. The growth in the forecast period can be attributed to increasing digital insurance penetration, rising demand for affordable coverage plans, expansion of government-mandated insurance schemes, growing use of ai-driven underwriting, increased focus on worker welfare protection. Major trends in the forecast period include increasing adoption of online insurance enrollment platforms, growing use of micro-insurance products, expansion of employer-assisted policy models, rising integration of ai-based risk assessment, enhanced focus on regulatory compliance.

The high prevalence of work-related injuries is expected to drive the growth of the domestic worker insurance market in the coming years. Work-related injuries refer to physical injuries or health issues that occur as a result of carrying out job-related activities. The increase in such injuries is largely attributed to insufficient safety practices and limited access to protective equipment in domestic work settings, which heightens the risk of accidents during everyday household activities. Domestic worker insurance provides financial support for medical treatment and recovery following work-related injuries, while ensuring appropriate care for workers and protecting employers from unexpected financial burdens. For example, in January 2025, according to data from the Bureau of Labor Statistics (BLS), a U.S. government agency, 5,283 fatal occupational injuries were reported in the United States in 2023, highlighting that work-related fatalities continue to pose a significant concern for worker safety across industries despite year-to-year variations. Therefore, the high incidence of work-related injuries is contributing to the growth of the domestic worker insurance market.

Major companies operating in the domestic worker insurance market are focusing on adopting strategic partnerships to improve access to tailored insurance solutions for domestic workers. Strategic partnerships involve collaboration between organizations to utilize each other’s strengths for shared growth, enabling market expansion, enhanced capabilities, and innovation. For instance, in December 2023, Surer, a Singapore-based digital insurance platform, collaborated with Etiqa Insurance, a Singapore-based insurer and takaful operator, to launch the Go-Helper, a fully customizable migrant domestic worker (MDW) insurance product. This insurance allows intermediaries to tailor coverage from a list of 12 options, including outpatient medical services, repatriation, termination, and traditional Chinese medicine treatments, providing flexibility to meet specific needs. The launch strengthens their partnership, following earlier collaborations on motor insurance products, and supports employment agencies with digital tools for easier insurance plan recommendations.

In June 2023, Surer, a Singapore-based digital insurtech platform, partnered with Etiqa Insurance Singapore to introduce Go-Helper, a fully customizable insurance product for migrant domestic workers. Through this collaboration, the companies aimed to enhance domestic worker insurance offerings by enabling digital access to tailored coverage options, including outpatient medical services, repatriation, termination benefits, and additional protections delivered through intermediaries, thereby supporting employment agencies and employers with flexible and customized insurance solutions. Etiqa Insurance Singapore is a Singapore-based insurer that offers a wide range of general insurance products, while Surer is a Singapore-based digital insurance platform focused on streamlining insurance solutions through technology.

Major companies operating in the domestic worker insurance market are Axa SA, HSBC Insurance Holdings Limited, American International Group Inc., Chubb Limited, AIA Group Limited, Manulife Limited, China Taiping Insurance Pte. Ltd., Great Eastern Holdings Limited, Income Insurance Limited, FWD Singapore Pte. Ltd., Allied World Assurance Company Ltd., Etiqa Insurance Pte. Ltd., Liberty Insurance Pte. Ltd., ERGO Insurance Pte. Ltd., Lonpac Insurance Bhd, United Overseas Insurance Limited, EQ Insurance Company Ltd., MSIG Insurance Co. Ltd., HL Assurance Pte. Ltd., Raffles Health Insurance Pte. Ltd.

North America was the largest region in the domestic worker insurance market in 2025. The regions covered in the domestic worker insurance market report are Asia-Pacific, South East Asia, Western Europe, Eastern Europe, North America, South America, Middle East, Africa. The countries covered in the domestic worker insurance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Taiwan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The domestic worker insurance market includes revenues earned by entities through income replacement support, emergency assistance services, repatriation and funeral assistance, and counseling and mental health support. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

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