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Nanny insurance

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Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do claims work?
  • FAQs
  • Helpful articles

Nanny insurance – why is it important?

At home, in the garden, or out and about, looking after other people’s children comes with plenty of risks so it’s important that you’re protected.

If a claim came up, would you have the funds to handle it? By combining covers, you can protect your business against the specific challenges you face.

  • liability insurance for nannies, including public and employee risks
  • compare cover from expert UK brands and protect your business
  • optional personal accident cover for your own injuries, or anyone on the policy

Start your quote

What does nanny insurance cover?

The first cover to consider is usually public liability insurance, which covers you if a member of the public gets injured or loses out financially and blames your business. Then you can add other covers to a policy that protect against the different risks that nannies face.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone else’s property while you’re working, or because of your work
  • injury to someone as a result of your work
  • accidental injuries caused by your employees at work

For example:

  • you’re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain
  • your client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
  • your employee damages a neighbouring business’s property while bringing equipment into your premises

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your nanny business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury that happens as a result of working for you (including temps and casual workers)
  • an employee, including a contractor or casual labourer, suing you after falling ill because of working for you

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their lower back while moving furniture at your premises and holds you responsible
  • an employee cuts their hand on a damaged countertop and sues you for operating an unsafe workspace
  • a member of staff trips over while unloading business equipment, injuring their knee

Business contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

  • destruction and damage of your contents equipment, such as furniture or photocopiers
  • cover for flood or fire damage, plus theft and vandalism

For example:

  • some of your business equipment, including a printer, is damaged by a fire
  • several TV screens you use for virtual meetings are stolen by thieves
  • an upstairs leak in your premises causes damage to the sofa and chairs in your reception area

Read more about business contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your nanny business.

Claims against your business for:

  • VAT disputes
  • theft of your company’s identity illegally
  • compensation under data protection legislation

For example:

  • HMRC is investigating your VAT affairs, triggered by seemingly incorrect figures on your return
  • a fraudster steals your company’s bank details and buys goods to set up a new line of credit with banks or retailers
  • a client is claiming you didn’t process their data in accordance with GDPR, and is seeking compensation

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • accidental death or injury, suffered by anyone covered on your policy, that happens at work or elsewhere
  • income lost by your business, as well as medical costs and hospitalisation benefit

For example:

  • while on holiday with your family, you trip and fall on some rocks, spraining your wrist and preventing you from working the following week
  • your secretary (who you’ve covered) suffers a leg injury while swimming at the weekend, and needs time off work for physiotherapy
  • a junior staff member covered on the policy is in a minor car accident at the weekend, and needs to take some time off to recover

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does nanny insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4000

Stock

£200

£4000

Main building

£200

£400

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do claims work for nanny insurance?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims team any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,755 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Nanny insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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