nanny shares - who is legally responsible if something bad happens?

[miniegg]

i am thinking of sharing our nanny with another family but wonder about the legal implications. if something happened to the other baby (God forbid) would we, as the main employers of the nanny, be legally liable???? horrible thought and i'd prefer not to even wonder about it but in this day and age it could be an issue, couldn't it?
or would it be the nanny herself who was legally liable? I don't think there has ever been a case to test this, thank goodness but just wondered if anyone has looked into this, or if any nannies out there know the answer?

Nannys can get insurance (from places like morton michel and you would need to check your house insurance to see if you had employer's liability cover and if you are insured in case a visiting child injured themselves in your house.

I suppose the issue is who's insurance policy it would fall under... and that will depend on the circumstances. Each party involved should have some form of insurance... so your household insurance policy will probably include Employers liability insurance for a domestic employee, but the share families won't (as not at their home), but would when the nanny works at their home... IUSWIM.

that's really helpful thanks. do most nannies have insurance?
is it considered essential by most nannies these days?

More nannies have it now, than a few years back. Especially now that it is part of the requirements of the Ofsted Childcare Register.
However, don't assume a nanny has it - always ask to see their insurance certificate.

Unfortunately most nannies don't consider it essential - I'm not entirely sure why because you're insured if you work in a nursery and most people know that, but somehow it's fine to work as a nanny without it

A registered nanny, as nannynick says, will have to have insurance. But it's not that expensive of rhte nanny to get.

ha ha sorry hijack here ffrom rather merry person, just drunkenly thought frannikin are you my dear sister ?!!!
#hee hee !

I don't think so....unless my parents have been hiding something from me!