Help & Advice

  • Advice for employers
  • Last updated 12 September 2023

Employers liability insurance

Employing a nanny to take care of your children is a big responsibility, and it's essential to ensure that you have the right insurance in place to protect yourself as an employer. One crucial type of insurance that you should consider is employer's liability insurance.

Employer's liability insurance is a type of insurance that protects employers against claims made by employees who have suffered injury or illness as a result of their work. As an employer of a nanny, you have a legal duty to provide a safe working environment, and you could be held liable if your nanny suffers an injury or becomes ill as a result of their work for you.

In many countries, including the UK, it's a legal requirement for employers to have employer's liability insurance in place. In the UK, employers can face fines of up to £2,500 for each day that they are without employer's liability insurance.

The risks associated with employing a nanny are not insignificant. Nannies may be required to perform physically demanding tasks such as lifting and carrying children, and they may be exposed to illnesses or infections that children can pick up at school or from other sources. Accidents can happen, and if a nanny is injured while working for you, you could be held responsible.

Employer's liability insurance can provide you with the peace of mind that comes from knowing that you are protected against such risks. It can cover the cost of legal fees and compensation payments in the event of a claim, and it can also cover the cost of any medical treatment that your nanny requires as a result of their injury or illness.

When you take out employer's liability insurance, it's important to ensure that it covers the specific risks associated with employing a nanny. This may include cover for injuries sustained while lifting or carrying children, as well as cover for illnesses or infections that your nanny may contract as a result of their work.

Employing a nanny can be a great way to ensure that your children are well cared for while you are at work or otherwise engaged. However, it's important to take your responsibilities as an employer seriously and to ensure that you have the right insurance in place to protect yourself against the risks associated with employing a nanny. Employer's liability insurance is a crucial part of this, and it's something that every parent employing a nanny should consider.

Before taking out a stand-alone Insurance for this, you should check your home contents insurance as often these policies already include Employers Liability Insurance. If your policy does not include this, you may be able to add it for a minimal fee, please check this with your insurer.

If you do not have home contents insurance, or your policy does not/cannot include Employers Liability Insurance then you are able to take out stand-alone policies for this from various insurance companies. It is important to note that NannyPaye do not work directly with any insurance companies, we do not receive a commission for recommending or selling insurance products (and we do not recommend any policies as we are not qualified to do so).

However, if you are looking for a stand-alone Employers Liability Insurance policy, the following companies are ones that we have heard of who may be able to assist you if you contact them directly.

Morton Michel

Mark Bates Ltd

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