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As a nanny, you’re in a position of great responsibility, so you need nanny insurance that can cover the risks you face.
If the worst happened and a child suffered an injury while under your care, public liability insurance could cover the compensation payment if you were held responsible. Then there are other covers that can be useful for nannies too, including business equipment cover and business interruption cover. And remember that you’re likely to need employers’ liability insurance if you employ anyone.
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Public liability insurance can cover injury or damage claims made against you. For example if a child in your care slipped on a spillage that you hadn’t cleaned up, or if you knocked over an expensive vase while in a client’s home, you might face a compensation claim. Your public liability insurance could cover the legal fees and compensation payment, up to your policy limit.
Employers’ liability insurance is a legal requirement for most businesses that have staff, and you can be fined if you don’t have it in place. This insurance can cover claims made against you by an employee for injury or illness that’s caused by their work, for example a nanny who suffers back pain after lifting and carrying young children without proper training.
Other business insurance covers that could be useful for UK nannies include personal accident insurance, business equipment insurance and business buildings insurance. It all depends on the risks you want to cover - tailor your policy so that it works for you.
The cost of your nanny insurance depends on the nature of your work, the type of insurance you choose, and the cover levels you want. You can use Simply Business to find competitive quotes from a range of providers.
Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.