Whether you have a full-time nanny or hire an occasional babysitter for a night out on the town, it’s important to obtain the right type of insurance coverage for all your childcare needs. Use the following checklist when speaking with an agent about proper coverage options:
Full-Time or Part-Time: One of the most important factors in deciding what type of insurance is required is whether a childcare worker is full-time or part-time. Full-time workers such as a live-in nanny tend to work longer hours and may require additional forms of coverage.
Automobile Coverage: If a childcare worker uses a family car, it is critical to make sure he or she is included on the policy. Likewise, even if part-time childcare workers use their own vehicles, verify they have up-to-date insurance in place prior to transporting the children.
Liability Coverage: It’s essential to verify the limits of liability coverage for your own protection as well as that of the childcare provider. Ask your agent about expanding your personal protection as well as obtaining liability coverage on a nanny or worker. Popular policy types include public liability insurance that provides protection in the event something happens to children when in the care of the childcare worker.
Homecare Coverage: Inviting a person into your home is never a simple task, but proper insurance can help reduce the risk of theft or other emergencies. Ask your agent if your household insurance policy provides protection in the event of a claim related to childcare.