'Who pays for a housekeeper's accident?'
A cleaning service claims it will cover any damages, but a reader is worried that it will come out of an underpaid women's pocket.
By Jeanne Fleming, PH.D., and Leonard Schwarz

NEW YORK (Money) -- Question: One of the women who cleans our house broke an expensive platter. The service she works for advertises that it pays for broken items, and I think they should pay for this one.

But I'm worried that if I report what happened, they'll pass along the replacement cost - about $200 - to the woman who broke it. That seems wrong to me, because although I pay the service $100 per cleaning (which takes three women an hour to do), I think Marta gets less than $10.00 an hour. What should I do?

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Money Magazine's ethicists are consultants who advise attorneys on people's ethical beliefs. E-mail them at right_thing@moneymail.com.

Answer. Why is it that inexpensive things always survive earthquakes, hurricanes and overly-zealous maids, but the good stuff cracks if you just look at it?

What you should do is report your broken platter to the service and insist that the money not be extracted from Marta's paycheck.

Because you're absolutely right: The service should be paying for the breakage, not Marta. If she's a careless worker who routinely damages things, then she's in the wrong job, and the service should let her go.

But just as the service pays for her cleaning supplies and the cost of her transportation to your home, they should cover the cost of any mishaps that occur when she gets there.

It's part of what the gap between their fee and her wage is for. And what if Marta worked for you and not the cleaning service? Then replacing the platter would be your responsibility.

Why? Because what you're paying her can't be so much that you - any more than the cleaning service - can reasonably expect accidents not to happen.

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Most stock quote data provided by BATS. Market indices are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET. Disclaimer. Morningstar: © 2018 Morningstar, Inc. All Rights Reserved. Factset: FactSet Research Systems Inc. 2018. All rights reserved. Chicago Mercantile Association: Certain market data is the property of Chicago Mercantile Exchange Inc. and its licensors. All rights reserved. Dow Jones: The Dow Jones branded indices are proprietary to and are calculated, distributed and marketed by DJI Opco, a subsidiary of S&P Dow Jones Indices LLC and have been licensed for use to S&P Opco, LLC and CNN. Standard & Poor's and S&P are registered trademarks of Standard & Poor's Financial Services LLC and Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC. All content of the Dow Jones branded indices © S&P Dow Jones Indices LLC 2018 and/or its affiliates.