Nannies and Liability Insurance

It’s no secret that when it comes to allegations of child abuse, neglect, mistreatment or breach of confidentiality, it often comes down to a he said, she said ordeal. And in the world of nannycams, where things aren’t always what they seem due to poor quality videos or images, (and the unusually slow and delayed capturing of them), nannies often don’t have the financial means to defend themselves should legal action be taken against them.

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?

As nannies, part of our job includes providing information to parents on how they should care for their kids. Perhaps we demonstrate a swaddling technique or suggest that a child be introduced to a new food. What if a parent follows our advice and feels in doing so, injury was caused to their child, like the swaddle hurt the child’s arm or the food caused the child to have an allergic reaction? Or what if a child gets hurt in their nanny’s’ care, perhaps by falling off a play structure and breaking an arm? Or even worse, what if a family accuses their nanny of sexual or physical abuse? Perhaps a child says their nanny hit them, or a parent notices a bruise she attributes to the nanny?

Should a nanny be prosecuted for any of these allegations, the average nanny can’t afford the legal fees to properly defend herself. Now, if a nanny opts to purchase general and professional liability coverage, they can rely on the policy limits for their defense and representation.

Like any type of insurance coverage, your 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:!A8B6FB658CD54775!289.entry!A8B6FB658CD54775!287.entry

Nannies can contact Gayle Gaston for more information:

(951) 735-5036

Independent Insurance Agent/BrokerLicense #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.

Thank you to Michelle LaRowe for providing us with this valuable information.


  1. Angelia Q. Sparrow says:

    I am interested in all nanny insurance. I live in Florida and would like to know if this type of liability coverage is valid in Florida also?

  2. This is really an interesting blog as it focuses on the very important topic. i came to know about so many things or tips.

  3. Jaleh Estes says:

    It is good that this insurance is being offered, however after having purchased liability insurance in different fields, of which included occupational therapy assistant and for postpartum doula, I am surprised at lack of availability, as well as the cost. The occupational therapy assistant yearly premium ranged around $110 and the postpartum doula yearly premium I currently carry is around $120. I think the cost of this nanny coverage may be so high that not many will take advantage of it. I will be starting to work as a nanny soon and wanted to purchase liability insurance but I feel this policy is too expensive. I will keep searching and see if I can find it at an affordable price.

  4. Bunny Haven says:

    Yes, I agree, the cost is prohibitive. Most nannies around here make about $400-500 a week. But, the cost of a lawyer would be crippling. I have had childcare insurance for years at about $385 per year. It covers lawyers fees arising from any claims made against a provider and any medical expenses borne by the child’s family. Seems you could find a way to bring that down quite a bit.

  5. The great news: Your effort has paid back; you’re midway to your objective weight and many of your clothing is swimming you.

  6. There are a huge selection of types of watches out there, meaning it doesn’t matter who you happen to be, you will find one which you prefer well. Let’s trace the history of both past and present celebrities and definitive people, as well as the wristwatches they have worn. For people who find themselves considering a Ladies watch for that special lady in their life, a Cartier ladies watch could be the best choice. Dealer work by repairing the defective parts by other authentic parts, replacing the worn-out leather or metal band and polishing it with wax or polish to provide it a shiny new look. If you understand the mechanism used by some other country, it is possible to affirm the watch as fake. The Cartier Roadster watch comes with a around-the-clock architectonics and simple to apprehend dial. Many Cartier watches feature mother-of-pearl watch faces and therefore are waterproof as much as 30 meters.

  7. I was merely thinking, what precisely does the RIAA crew get while proof in which Joel downloadable or maybe submitted tunes? Which is Joel possibly forced to send his pc on the court intended for inspection or maybe anything? I am merely wanting to appreciate how one can recognize someone is actually expressing tunes with out participating in often the expressing themselves. I simply became any notice via individuals thieves, u decided not to possibly open it up. I am planning on merely going to court by myself (I do not have choiceI aren’t fork out! ), and also I am merely reef fishing intended for as much details as I can certainly.

  8. Joel In my opinion you must claim the right to help music identical to the right to medical and after that we could all requirement how the dirty abundant artists and record firms have got to provide the idea to help us. In my opinion that a open selection will also usually be required. best of luck Henry Discover how the concept “fine” is usually placed regarding? Pay out for a damage seems to be viewed as an excellent and also a great accessed by personal business. Only one factor of several inappropriate on this. The actual prize accessed towards you was radical regarding range. Shoplifting will normally always be $125. 00 if this will be viewed as a “fine. inches The corporation in which received me personally built an incorrect problem proclaiming My spouse and i looked at at this time there television encoding while I was a paid out subscriber. They identified as the idea an excellent also. While at this time there court docket problem was a scam rather than true, no one actually cared u failed to have the cash to pay for court for a test. In fact falsified skin flick data was published with out 1 blinked a watch. Situations just where scam is usually allowed or perhaps payment is usually way to avoid regarding range may catch up with each of our proper rights technique in this whenever the idea happen, in which technique looses believability as you can read from the content above that one. While fake court docket complaints are usually allowed and honors are so out of range its positive the program is not good and fair.

  9. look into thesixtyone. net it can TECHNIQUE a lot better than part of these sites.

  10. Pictures are among the almost all ignored facets of an online site. Your investment whole SEARCH ENGINE OPTIMIZATION section of the idea as well as think of often the shutter, for this reason looking for these kind of. Today imagine how the lions are usually shutter way too as well as could not go through words within photographs that will well. We do know they evaluate the idea intended for coloring and can find individuals.

  11. Thanks for your efforts within this John. One thing regarding Yext that is definitely worth referfing to: if some of the actual partner web-sites has distinct own directory site which has been consumed possession of subsequently which files normally takes priority.

  12. Nice list the following. My partner and i never have read about a lot of them but attempted Groove Shark a little while again. It’s a tremendous uncomplicated internet site to utilize and an abundance of tracks to select from. Have to try out the remainder sometimes!

Speak Your Mind


Featuring Recent Posts Wordpress Widget development by YD

Creative Commons License
This work by Regarding Nannies is licensed under a Creative Commons Attribution-NoDerivs 3.0 Unported License.