Home Services Industry covers several service items and categories. It has the characteristics of high employment elasticity coefficiency，low barriers to entry and high capacity in absorbing employment. There are a large number of low skilled workers with low coverage rate of social insurance and lacking risk security mechanism. Most of home service enterprises are private and in small scale；They have the relative stable industrial accident rate，most of which are traffic accidents. The main reasons for enterprises to participate in industrial injury insurance are the economic interest and the stability of the staff；The main reasons for them not to be insured are the high mobility of staff，high contributions of social security，and poor prevention effect resulted from single injury prevention mode. Home service enterprises hold the idea that industrial insurance is not suitable for them to be insured. If the home service enterprises choose commercial accident insurance against the risk of injuries，the government must strengthen the supervision；If the home service enterprises to be insured by the industrial injury insurance，they should be distinguished between regular staff system enterprises and nonregular staff system enterprises. For the regular staff who are insured by industrial insurance，we should rationally determine the payment base，develop flexible rate system，set up the protection period，innovate payment way，set up the bottom line with standards of treatment，establish easy access to treatment application and so on；For the nonregular staff，their industrial insurance can be handled in accordance with the one of flexible employees.