A household employee purchasing something for the insured is considered a ________ employee.

The correct terminology for a household employee who works within a private residence, often performing tasks related to household maintenance, care, or other services, is "domestic." This term encompasses individuals such as housekeepers, nannies, and gardeners who are employed to perform domestic duties in someone’s home.

In many personal lines insurance policies, specifically in dwelling or homeowners insurance, domestic employees are recognized distinctly for coverage purposes, emphasizing the nature of their employment within a household setting. Domestic employees typically have specific protections under labor laws as well, which can affect their classification and insurance coverage.

Other terms, while used in various contexts, do not accurately describe the scenario of a household employee making purchases or performing duties in the insured's home setting. For instance, "independent" typically refers to individuals who work for themselves and are not directly employed by someone else. "Casual" often implies sporadic or informal work, which doesn't capture the consistent responsibilities associated with household employment. "Residence" is more general and does not specifically pertain to employees.