Childminders And Nannies Liability Insurance
All professional childminders and nannies should hold appropriate public liability insurance to cover them in their work with children.
What Does Childminders And Nannies Liability Insurance Cover?
Childminders and nannies liability insurance covers such things as:
1. Accidental injury (including death) of any person in the care of the insured carer (including costs and expenses incurred in defending any matter forming such claim);
2. Accidental loss or damage caused to a third party or the property of the third party in the course of their childcare activities;
3. Accidental injury caused by the incorrect application of first-aid treatment.
Do You Have To Carry Liability Insurance?
Public liability insurance for childminders and nannies is compulsory to obtain OFSTED registration and cannot be sidestepped or forgotten since the consequences can be quite horrendous.
Whether this is a sole proprietorship or a company job, everyone must be insured against any kind of happening that is unexpected. There are many companies on the market today which will be able to provide public liability insurance for all types of businesses and all of them will be cognizant of the rules and regulations revolving around this kind of career.
Amount Of Liability Cover Required
Public liability insurance will protect your against the possibility of mistakes you could make or where you feel you were not at fault to help with the legal costs to defend you.
The amount of cover you need will vary according to your business type and other factors. Many small businesses take out £5 million of cover.
Compare Public Liability Insurance Quotes
To get best value for money, you should compare the market and get a range of quotes from trusted insurers.
Public liability insurance is designed to cover you in the event of third party claims being made against you for negligence that have caused persons to suffer injury or illness as a result. Public liability insurance can also provide cover in the event of damage to a third party’s property. If you were ever put into a situation which made yourself liable to be sued, having the right insurance can give you the cover you need.
Find out how much you could save on the public liability insurance for your business by comparing policies.
An increasing number of people have now recognized the tremendous benefits of liability insurance and are now electing to purchase insurance as a way of protecting their interests. If you have not yet thought about how you would afford the expenses that might be incurred in the event of someone launching a compensation claim against you, it is certainly time to do so.