Does a nanny need Insurance ?

[Meesh13]

What does everyone do regarding insurance with employing a nanny?
For example:- what would happen if (god forbid!) nanny had an accident in her car with my baby?
Or my baby had an accident or injury?
Is there such an insurance?
Is it my responsibility to take this insurance (if it exists) or is it the nannies responsibility?
It would be great to hear from you if you have any advise.

I think it's your responsibility to have insurance covering employees in your home (in case the nanny had an accident etc. in the house). My home insurance had this as a standard clause anyway. Not sure about the nanny having insurance - maybe speak to a nanny agency, they will know.

You need Employers Liability Insurance. This is to protect you against claims made by your nanny in the event of them having an injury whilst at your home. It is usually included as part of your home contents insurance.

Ofsted Registered nannies must have insurance. Non-registered don't have to have insurance but it is recommended. Nanny insurance protects the nanny against claims made such as due to injury to a child in their care. The nanny must pay for this insurance, not the parents as in the event of a claim it is the parents who would be claiming against the policy.

Car insurance is more tricky as it is not fully clear what level of insurance is required to cover a child for whom someone is paid to care. Specialist insurers will add a clause to a policy stating that children are covered. Business class 1 is the alternative cover level but it may only cover goods, not people. Nanny should talk to her car insurance company to see what they suggest, or to specialist brokers like MortonMichel.

What nick said. I would never work as a nanny without insurance. Heaven forbid something happened to a child in my care but I think it's only responsible that I make the provision for those children to be provided for if they end up needing long term medical care because of something I did or didn't do. It covers things like incorrectly administered first aid but also legal fees and no nanny should be without it.

Nanny MUST pay for this themselves.

My car insurance was fine with me having business insurance to transport children but I believe others have had problems. It's worth checking that the policies cover all eventualities so nanny is never unprotected.

Your home insurance will not cover your nanny's negligence but it will cover you if she breaks a leg falling down your stairs for example.

Thanks for your responses, yes its a horrible thought, but i think that it is best to make sure everything is in order, its a big ask the nanny to pay for this, but I this its important. how much do you pay for your insurance, and who do you have your car insurance with?

I'm no longer in the UK but my car insurers were elephant and insurance was just over £5 a month with Morton Michel via direct debit.

It is not a big ask - it's a professional not-quite-obligation. Any nanny who refuses to get insurance is IMO being irresponsible and naive.

Thanks, thats such a great help.