Nanny contract - responsibility for damage?

[EasterHoliday]

I'm using an old nanny contract (which came from the agency we used previously) for our new nanny. She has quite rightly queried a provision which says that other nannies may be invited over to the house with their charges however she is responsible for any damage done as a result. Seems unusual to me... now it's very remote that anything like that is going to happen anyway, but what's the usual provision on that? is it that her nanny liability insurance covers it and that's why it's specified that she's responsible?

All nannies should have there own insurance

but what does that cover? this relates to damage caused by other nannies / their charges when over for a visit. Isn't nanny liability to cover her actions / failures?

Nanny insurance doesn't usually cover damage to employer's property. It's to cover her negligence/failure to administer medication/incorrect first aid/death/injury.

Be aware there have been some significant changes in the last few years so worth getting your old contract checked over.

I don't have a nanny but do employ a carer for my disabled child. I have insurance to cover the carer (and child and I) both in and out of the house, including damage to property and third party. It is different to any professional indemnity insurance the carer holds. I should think you would need to check with your employer insurance if others would be covered. Nannies meeting to give children social experience is not unusual.

I've never had a contract making me liable for any damage done in the house. I do have insurance, but not sure what that covers re. belongings.

Also there is a vast difference between 'responsible for any damage done' and 'responsible for any damage done as a result of her negligence'.

If something gets broken that she couldn't have reasonably prevented/foreseen then it would be outrageous to suggest she is liable imo.

I've taken it out altogether as it doesn't seem reasonable and legal advice line at tax agency couldn't understand what it was there for. Very unfair.

Sounds right to remove it. In the event of there being something damaged at your home, your home contents cover may cover it.