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If you work as a childminder or nanny you will have the opportunity to see the children in your care develop and grow, and may well be present during many exciting milestones, such as the child’s first word, their first step, or their first day at school.
All of this can make the work of a nanny or childcare professional incredibly rewarding and heartwarming, but it is also important to bear in mind that if a child is injured while they are in your care there is a risk that the parents might hold you liable and bring a compensation claim against you.
For childcare professionals that are employed by a nursery school, preschool or daycare facility they would usually be covered by their employer’s own public liability insurance policy if and when a claim was made.
Self-employed nannies or childminders would be expected to cover the resulting legal costs and compensation pay-outs themselves, though… unless they had a suitable nanny insurance policy in place at the time of the accident.
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What is public liability insurance for nannies?
Public liability insurance for nannies covers them if a child, a parent or some other visitor to their home or childcare facility is injured or their property is damaged and it is alleged that the accident occurred due to the nanny’s own negligence.
For example, while babies and small children tend to tumble and trip on a regular basis, if a young child fell down the stairs because you hadn’t installed a suitable stairgate, or a toddler was seriously injured on some broken glass in your home, you could be held liable for their injuries and taken to court for damages.
The same holds true if you usually care for children in their own homes – if something happens to the child while they’re in your care and the court considers that the injuries were due to negligence on your part you could face a compensation claim from the child’s parents even though the incident occurred on their property rather than yours.
Does nanny insurance cover damage to other people’s belongings too?
Yes, nanny insurance doesn’t just cover you against liability claims for bodily injuries, it also covers you for claims for damage to a third party’s valuables or belongings.
So if a nanny is sued because a child or parent’s belongings are damaged while they were on the nanny’s premises then the best nanny insurance policies should usually cover legal costs and compensation claims in those situations too.
Do I have to be a registered childminder to qualify for nanny insurance?
That depends on the particular public liability insurance provider you decide to go with.
Nannies aren’t legally obliged to register with Ofsted, but they can choose to do so voluntarily. Some insurance providers may insist that you are registered before you take out a policy, while others may not require you to register at all.
Similarly, some nanny insurance providers may require policyholders to have completed certain childcare qualifications or trained as a nanny before they can take out a policy, while others may be less stringent.
The best plan is to check each provider’s rules and exclusions before you decide whether you should take out a nanny insurance policy with them.
Is nanny insurance mandatory in the UK?
No, insurance for nannies is entirely optional in the UK.
However, even though this isn’t a mandatory type of insurance it is certainly worth considering taking out a policy if you care for one or more children, because it could offer you valuable protection against liability claims in exchange for a relatively cheap premium.
How much does nannies insurance cost?
Insurance providers use a wide range of variables when calculating the premium for your nanny insurance, many of which are unique to the policyholder, so it’s almost impossible to indicate how much a public liability insurance policy is likely to cost a particular nanny without comparing real quotes.
For instance, your location, the location of the premises you use for childcare (assuming those two locations are different, of course), the level of coverage you’d like, whether or not you’ve claimed on a public liability insurance policy in the past and whether or not you’d like to bundle other types of cover into your nanny insurance policy will all affect the premiums you’re quoted.
The best plan is to use Quotezone.co.uk’s nanny insurance comparison service to compare quotes from a range of different providers, and then go with the one that offers the best policy at the most competitive price.
What add-ons should I consider adding to my nanny insurance policy?
Public liability insurance for nannies is the core element of any nanny insurance policy, but it is possible to bundle other optional add-ons with your public liability cover to ensure you have all the protection you need.
Some of the add-ons you can bundle with your liability cover include:
- Professional indemnity insurance: Covers you if you are held liable because advice or expertise you provided resulted in some kind of loss for the individual or group you were advising. For example, if a child’s parents had agreed to pay you to help with the nursery school application process, and you accidentally missed the application deadline, professional indemnity insurance could cover you if the parents held you liable.
- Employers’ liability insurance: If you are a self-employed nanny you might not need this type of add-on, but if you do employ other people, whether they are other nannies, childcare assistants, administrative assistants or cleaners, then you’re legally obliged to have employers’ liability insurance in place.