Most people who hire help to take care of their home do not consider nanny insurance. Although a nanny can become like part of your family, it is important to remember that they are your employee, and you have certain employer duties to take care of.
Although your nanny does their best to care for your children and keep them safe, there is always the possibility of an accident that could injure either your child or the nanny. For instance, one of the kids could leave a toy on the steps, and the nanny could trip and fall backward. This requires medical attention and could result in a lawsuit. Nanny insurance would cover the medical and lawsuit costs associated with the accident.
Households can obtain car insurance in the event the nanny is required to transport minors and ends up in an accident.