Liability insurance - for nannies

[MrsTiddles]

does anyone know how much this costs?

navyeyelash - i also would have thought it was up to the nanny to re insure herself each year, RATHER than wait for MM to renew it - iykwim

I didnt do DD, easier to pay a one off fee, have too many dd coming out of my account anyway, i did it online,filled ut forms and 2 days later my policy etc arrived in post

seemed very efficent to me

wtf does a nanny need insuring for?

Death of a child in their care is the main thing. Accidents can happen, Sudden Infant Death can occur. Typical nanny insurance will also provide Legal expenses cover, up to a certain amount, so could be used to defend a claim, or to claim unpaid earnings.

Fabio....

herd of a nanny who took her charges to the park and they played in the sandpit.... buried in the sand was some broken glass that child cut himself on, and the parents then sued their nanny for her not supervising him enough ....

it happens....

also if you accidently over dose a child or give them wrong medicine or something

basically if the child is injured or hurt while in the nannies care their parents can sue the nanny (doesnt mean they will win, but they can try).... it gives us £2m protection for if a court awards in their favour and covers our legal bills too.

"fabio says: WTF does a nanny need insuring for?"

Not to sound like a bitch but is this question for real? Why wouldn't a nanny need insurance they have the same legal responsibilities as teachers, nurses, child minders etc.

Two words which answer your question nicely: Louise Woodward.

louise woodward wasnt a nanny, she was an au pair

which also brings me to the point, that ALL nannies should be registered, at the moment ANYONE can look after children, and call theirselves a nanny

the insurance also would cover/pay out, if for example you went to a museum and child broke something costing 1000's

iamananny, I know she was an au pair I do not see how that makes any difference to the point I was making though?

Also while we are on the subject nannies need to have appropriate business class insurance on their car something a few of my employers did not know (I pay for this myself obviously).

It is also worth noting re business use on car insurance that if you get paid a mileage, that your business use also covers 'hire and reward' something that a lot of nannies don't realise.

what is 'hire and reward'?

You need to make sure that your insurers know that you are getting paid for any mileage you and your car do when you are ferrying the children around.

You will find that most insurers are fine with this, but it is worth a quick phone call to make sure.

am not geting paid for it as such, but having the cost of it refunded at inland revenue rates.

surely everyone who uses their car for buisness use claims 40p per mile?.... but its not getting paid, as such, its not being out of pocket for an expense that is not your own personal expenditure?

NCMA is only 20-something quid. Now I'm worried I'm not completely covered........

NCMA Public Liability insurance as far as I understand it, is Block Policy - that is, it is only available to NCMA members, and it covers all members who choose to pay the additional premium.
They have some specific terms, that as a nanny you need to be aware of. For example:
"Nannies who have had a satisfactory enhanced Criminal Records Bureau disclosure and whose
employer has taken up and retains two references. If the Nanny should change employment, the new employer of the Nanny will also need to take up two references."
Source: NCMA PLI T&Cs

MM as I understand it don't use a Block Policy. Instead it is a standard policy provided separately for each individual childcarer.

This is only my understanding of it. If you need accurate information, contact the relevant insurers for full details of their policies.

NCMA I calculate charge 135.75 - made up of: 61 membership, 29.95 insurance, 45 CRB
If you are on the Ofsted Childcare Register and your CRB check from that is less than 3 months old, then you don't pay the 45 CRB fee.

I wouldn't worry about it... the NCMA policy should cover you for death of a child in your care.

NCMA insurance 29.75 - must remember to Preview before posting!

oh good, phew! thanks nannynick