Coverage for burglary by domestic staff

If any domestic help, whether currently employed or engaged in the past, is involved in a burglary at your house, the insurance company is not liable to pay for any losses or damages. Please read the fine print in your householders' insurance policy - some insurance companies state upfront that they are not liable to pay for any loss or damage caused due to burglary or attempted burglary. Some others state if your family member is involved, they are not liable to pay for any losses or damages. As per the latter case, the definition of a family member includes the domestic help.