Nanny Insurance

Nanny insurance helps protect you from the risks that come with working in someone else’s home. Most nannies start with Public Liability Insurance, which can cover legal fees and compensation if someone is injured or property is accidentally damaged while you are working.

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You can then tailor your cover with options like:

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• ‍Employers’ Liability Insurance: If you hire an assistant or work alongside another nanny, this cover is a legal requirement. It protects you if an employee is injured or becomes ill because of the work they do for you.‍
• Tools and Materials Insurance: Covers the cost of replacing essential items like prams, car seats, toys or kits if they are stolen or damaged during the course of your work.‍
• Legal Expenses Insurance: Supports you with legal advice and representation for things like contract disputes, employment issues or tax enquiries.

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Together, these covers help protect your work, your reputation and the families who rely on you.

Yes, as with any insurance, there are certain situations where a claim may not be covered. Nanny insurance is designed to protect you when something goes wrong, but it’s important to understand the limits of your cover.

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Here are a few examples of when a claim might not be accepted:

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• ‍Damage to your own items: Public Liability Insurance covers claims made by others. If your own equipment is damaged, like a pram or toy set, it would not be covered unless you have Tools and Materials Insurance.‍
• Work not included in your policy: If you take on work that falls outside of what you originally told us, such as tasks unrelated to childcare, your cover may not apply.‍
• Intentional damage or unsafe behaviour: Claims may be denied if harm or damage was caused on purpose or through serious negligence.‍
• Lack of required cover: If you employ someone to work with you but do not have Employers’ Liability Insurance in place, a claim involving that person would not be covered.

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This is not a full list, but it gives you an idea of the types of situations that might fall outside your policy.

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If you’d like to see the full details, you can view our policy summaries and wording documents here:

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Still unsure? Give us a call on 020 3808 7099 and we’ll be happy to help.

Our insurance policies are flexible – you can increase your coverage as your business grows without incurring any fees; you’ll only pay the additional premium for the higher coverage.

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Just give us a call and we'll walk you through adjusting your policy to perfectly fit your current needs. Reach us at 020 3808 7099.

Have questions about your policy? We're here to help!

Our friendly support team is always happy to answer any questions you might have about your public liability insurance policy. Feel free to reach out to us in whichever way is most convenient for you:

• Call us: Our phone lines are open at 020 3808 7099 (9:00-18:00, Mon-Fri).

• Email us: Send your questions to our team at contact@admiralbusiness.com and we'll get back to you as soon as possible.

If something goes wrong like an accident on-site, a damaged client property, or stolen kit, you can start a claim by filling out the form at admiralbusiness.com/make-a-claim or emailing us at claims@admiralbusiness.com.

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Send over any supporting documents (photos, receipts, police report if it’s theft), and ideally let us know within 14 days. The sooner we know, the sooner we can help.