What is nanny insurance?

[Penguindreams]

I have seen this crop up on loads of threads and I'm not sure what I need to know.
Our household insurance covers us for claims made for personal injury by domestic employees (which I assume would cover e.g a nanny tripping on loose carpet etc). It also covers us for claims we are liable to pay for damage to property arising out of our employment of domestic staff.

What else needs to be covered? She is not Ofsted-registered and I doubt has PL insurance - what would that be for?

Thanks to anyone who can help!

nanny insurance covers the NANNY if she is negligent or does something wrong.

say she accidently gives a child too much medicine, child gets ill, and parents sue nanny.
or say she carries a toddler down the stairs and trips and toddler brakes his back
or they are playing at the park, and child cuts themselves on glass hiding in sandpit and parents sue nanny.

any number of situations where something bad happens to child while in nannys care that nanny is responsible for. (IE if they are walking on pavement and a stupid driver driver runs them over and injurs them, then nanny and child would claim on that persons car insurance, not nannys fault)

also it gives nanny legal cover normally so nanny can be advised on tricky situations as and when they arise

Employers Liability Insurance is what you are talking about in relation to yourself. It helps protect you against claims made by your employee, such as if they get injured at work due to your negligence.

Nanny Insurance (Public Liability Insurance) is insurance that the nanny has which protects them against claims you might make, such as if they give your child food poisoning, incorrectly administered first aid treatment, if something they did caused your child an injury - accident on a trampoline or bouncy castle for example (note: in those cases there are policy conditions, such as only 1 child on a trampoline at a time).

Nannies in the past didn't have insurance. It is more common now as since the rules changed about advertising legal services, more people are aware of how to make personal injury claims.

For more info about the insurance that a nanny may have, perhaps read a policy summary like the one from Morton Michel (pdf)

Many thanks. I'll suggest to her that she might like some PL insurance.