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There are two types of insurance that nanny employers and their nannies will need to consider.

 

What is Employers Liability Insurance (ELI)?

  • This insurance is a legal requirement for all UK employers set by the Employers’ Liability (Compulsory Insurance) Act 1969.
  • Employers must ensure their policy covers them for a legal minimum of £5m.
  • Any employer without this insurance will put themselves in a vulnerable position, not only from potential claims but also from the Health and Safety Inspector who can impose large fines if an employer is caught without it.
  • Potential fines are up to £2500 for any day caught without a suitable policy in place and up to £1000 for employers who cannot produce a Certificate of Insurance when asked.

Nannytax can help

Enable Insurance Services

  • Costs £99, including Insurance Premium Tax.
  • A £10M Limit of indemnity, with additional £5m Public liability insurance.
Find out more

What is Nanny Public Liability Insurance (PLI)?

  • Public Liability Insurance provides essential cover for the nanny should anything happens to the children while they are in her care that she could be held responsible for.
  • It is not a legal requirement that the nanny has PLI but it is recommended.
  • PLI is part of Ofsted's criteria should the nanny wish to become Ofsted Registered.
  • Being insured gives a strong message to an employer that the nanny recognises their responsibilities and values the trust that is placed in the nanny when caring for the children.

Nannytax can help

Nannyinsure

  • Costs £70 including Insurance Premium Tax.
  • A £5M limit of indemnity and up to £50k Personal Accident cover.
Find out more