Nanny liability insurance

[solongivewaited]

Hi. Just looking for some advice. My new nanny wants liability insurance. Is this something I am meant to pay for?

She is going to become ofsted registered and I have offered to pay for that. Apart from the registration, am I meant to pay for the courses that need to be completed too?

Thanks.

No you must not pay for it as it is insurance to protect the nanny, not you. In the event of a claim you are likely to be the other party involved.

It is ok for you to pay the registration fee for Ofsted (£103) and the DBS check (around £55).

In my view training requirements should be paid by nanny but you can pay those, in other jobs there would be some training provided by employer. It depends what you expected when you hired them, if you hired someone who said they were qualified and first aid trained, then in my view you should not be paying for them to do training they claimed to already have. If you hired someone unqualified then you knew at the start thay they may need training to meet requirements for childcare voucher scheme, so reasonable for you to pay that.

Thanks nick. I was hoping you would reply.

Is the DBS not included in the ofsted reg anymore?

No, it is no longer funded by DfE. Funding for DBS checks withdrawn as of 1st July 2013

Ofsted DBS checks, costs details - lowest cost £52.10 (online application, ID check by responsible person). If a responsible person can not be found to do the ID check, then it can be done at a post office at an additional charge.

Does she mean liability to cover her working in your home?

I always ask my employer to check that they are covered for people working in their home. It is usually covered by your home insurance but some just cover the odd work man rather than full time employee. This would cover her should she hurt herself in your home or leave the tap running in the kitchen when one of the children yells for her and finds he has managed to poo all over the bathroom taking 20 minutes to clear it up causing the need for a whole new kitchen! break something expensive. The employer should pay for that.

Nanny insurance has to be paid for by the nanny, it will cover your child should something happen to them whilst in the care of your nanny, in 28 years of nannying I have not used nor heard of any nanny having to use it! touches wood It covers the nanny should she mis-diagnose an illness, gives a child food poisoning, injures a child. God forbid.