Working with children can be a daily challenge that involves a large amount of risk, so it is important that you are adequately covered. We strongly recommend that you ensure your cover is the appropriate cover for you. Here are a few tips in checking whether this is so:
- It is a legal requirement for you to have public liability cover.
- If you employ an assistant, another childminder or a student you will need to purchase employer’s liability insurance cover. This protects you from claims made against you for injuries that your employees may suffer during their time working for you.
- Make sure that you have adequate levels of contents and building insurance to cover damages and theft.
- You may want to consider a home insurance policy for childminders that includes accidental damage, although some insurers will not offer this service due to the high risk of damage the situation presents.
Check each policy for exclusions that might be an issue for you and always read the small print.