Protect Yourself With Nanny Insurance: How to get covered and why it’s important
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Child care regulations for nannies and babysitters are not always clear because every household situation is unique, and every family has different requirements to support their child’s routines.
No one likes to entertain thoughts of worst-case scenarios, let alone have them become a reality. In a split-second, lives can change, and when it does you want to have the piece of mind that you are protected from shelling out significant expenses. We’re here to point you in the direction of getting the right information regarding your nanny and employer insurance.
For Nannies
Should I take out nanny insurance coverage?
If you are a self-employed nanny with an ABN number, nanny insurance is a must but not a legal requirement. As a childcare professional, you understand that nannies wear many hats. Your job encompasses everything from chef, chauffeur, educator, cheerleader, confidant, and entertainer.
Even if you’re a natural Mary Poppins, the fact remains that accidents can occur even when you and the family are cautious of any potential danger. When the child is under your watch, as the paid childcare professional, you could be held responsible if something were to go awry. Insurance is key to protecting yourself and your livelihood should an accident occur.
What kind of insurance should I have as a nanny?
Public Liability Insurance
Public liability insurance typically covers your legal costs and expenses in the event you are found negligent for personal injury or property damage to another party. Most insurance plans offer millions of dollars in coverage for Public Insurance at an affordable premium.
For example:
Administering the wrong doses of medication that leads to injury
Damaging property while cleaning or starting a cooking fire
Personal Accident Insurance
This insurance is popular among those who work in accident-prone environments, but as a nanny running errands for the family, working the before school and after school drop-offs and pick-ups, and extracurricular activities, this coverage is something you should carefully consider.
Personal Injury Insurance gives you peace of mind should anything happen to you while at work. You and your family won't have to worry about the medical or living expenses in the event of an accident.
Where do I go to find a nanny insurance plan?
Our go-to nanny insurance provider is nannysure by finura. You can find their insurance coverages and their premium pricing guide for child care professionals here. Nannysure has packages that cover both Public and Personal insurance, and if you are a member of the Australian Nanny Association, you are eligible to receive up to 30% off the insurance plans.
For Families
If I hire a nanny do I need employer insurance?
If you employ a household worker, it is required by law that you take out a Household Workers’ Insurance Policy to protect against potential compensation costs in the scenario your employee is injured while working in your home. The employees include nannies, babysitters, cleaners, gardeners, tradespeople, and other in-home care providers.
Among many the things that should be fleshed out in the early stages of interviewing and negotiating the employer agreement, insurance should definitely be a top priority. When you decide on employing a nanny, you must meet the obligations of employment.
Household Workers Insurance policies are governed by the state. So to learn more about employing a household worker please visit these websites:
WorkSafe Queensland
WorkCover New South Wales
If you have any other questions or concerns about nanny insurance or employment insurance, please don’t hesitate to contact the team. We’re happy to answer or refer you to the right people.
