Nannies and Liability Insurance

by

Professional and general liability insurance coverage for nannies has always been nearly impossible to
find. Since nannies have no “professional license” most insurance companies simply couldn’t or wouldn’t write liability policies that covered the financial costs resulting from legal action taken against nannies.

Until now.

After having numerous conversations with Gayle Gaston of Tustin Insurance Agency and a member of the International Nanny Association about the need for liability insurance coverage for nannies, she delivered on her promise to research liability insurance options for in-child care providers and recently announced the availability of general and professional liability insurance coverage for nannies.

The two types of coverage that are now available to nannies through Gayle include:

General Liability Limit at $1,000,000 per occurrence/$2,000,000 aggregate
Excludes Professional Liability
Includes Physical/Sexual Abuse/Assault Coverage ($25k per occurrence/$50k aggregate)**higher limits are available
Annual Premium Starting at $750

General Liability Limit at $1,000,000 per occurrence/$2,000,000 aggregate
Includes Professional Liability within the Policy Limits
Includes Physical/Sexual Abuse/Assault Coverage ($25k per occurrence/$50k aggregate)**higher limits are available
Annual Premium Starting at $1250

Dishonesty Bonds that cover fees, up to the bond limit, resulting from prosecution on charges of theft are also available to nannies.

While most US Citizens legally working as a nanny will be eligible for coverage, due to local ordinances, nannies who work in some geographical regions may be declined coverage.

So why is this big news for hardworking, honest nannies with good reputations? If our job is to nurture, protect and advocate for children, why would we even contemplate purchasing such coverage?

Like any type of insurance coverage, you purchase it with the hopes that you never need to use it. Like any insurance coverage, it isn’t cheap and it’s hard to justify paying a good sum of money for something you may never need to use. However, for nannies who consider themselves a professional, I think it’s something to seriously give some thought to. A nanny who is falsely accused of harming a child in any way is likely to never secure work again. A nanny who can prove her innocence may be able to save her reputation, keep her integrity intact and continue doing what she does best, providing loving, nurturing, high quality care to the children left in her charge.

Check Out Gayle’s Blog Posts on Nanny Liability Insurance and Dishonesty Bonds:

http://myagentgayle.spaces.live.com/blog/cns!A8B6FB658CD54775!289.entry
http://myagentgayle.spaces.live.com/blog/cns!A8B6FB658CD54775!287.entry

Nannies can contact Gayle Gaston for more information:
(951) 735-5036
gayle@myagentgayle.com
Independent Insurance Agent/Broker License #0B95005

This article is not an insurance premium quotation, a binder or a policy, and may not include all the conditions, terms and exclusion of the actual policy. Obtain a customized quote for actual policy coverage and details.

Advertisements

Tags:

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out / Change )

Twitter picture

You are commenting using your Twitter account. Log Out / Change )

Facebook photo

You are commenting using your Facebook account. Log Out / Change )

Google+ photo

You are commenting using your Google+ account. Log Out / Change )

Connecting to %s


%d bloggers like this: