Nannies and insurance

[snickersnack]

A couple of threads on here have prompted me to think about insurance. I haven't changed ours since our nanny started and I am 90% sure she doesn't have insurance of her own (well, for driving and stuff she does obviously but not related to her job). It never occurred to me before- is this something I should organise? And do nannies normally pay for their own insurance? Have I been totally irresponsible?

a professional nanny should have nanny insurance

maybe suggest to her that she should look into getting some - she might not know about it

the nanny should pay for it herself, as if something did happen to the child and you sued her, the claim might not be illegible if you paid for it

it costs £60 and you can do it online - really easy

most nannies I know use morton michel

www.mortonmichel.com/

and for nanny insurance www.mortonmichel.com/nanny/intro.htm

and no not iresponasible - as i said a professional nanny should have it already imo

Thanks for that - it's her first nanny job, she's always worked in nurseries before so although she's qualified in childcare (has NVQ level 3) I don't think she would necessarily be aware of this...

you are welcome

there are two types of insurance you need:

1. insurance you provide as an employer - so you are protected if nanny sues you because they have injured themselves in your house because you didn't take due care for their safety; and

2. insurance that nanny should get themselves - so that they are not personally bankrupted if you sue the nanny because they were negligent in looking after your kids, causing them damage (if god forbid kids become severely disabled as a result, you may need money)

type 1 might already be included in your house insurance.

type 2 is the one imananny is talking about. Mortonmichel only goes up to £2m liability for £60/year, whereas nannyinsure goes up to max £5m liability for £90/y.