UK law requires employers to have Employer’s Liability Insurance [Employers Liability (Compulsory Insurance) Act 1969. This is to ensure compensation is available for an employee who is injured or becomes unwell through work.
It is your legal obligation as an employer to ensure you have Employers Liability Insurance in place by your employee’s start date.
Employers can face fines of up to £2,500 for each day they are not insured.
Employers Liability Insurance: It is important to have this in place to cover you for any potential accidents or injuries your Nanny incurs as a result of work they do for you.
Tailored Employers Liability Insurance policy through our Insurance Broker Partner for Little Ones clients:
Providescover for all sums up to £10 million
Protects you if your employee is injured or becomes unwell while working for you
Safeguards you against potential legal claims regarding work-related accidents or illnesses
£1,500 of business equipment cover - Examples include toys and iPad damage
There are different types of damages awarded in the event of a claim:
Special Damages: Incurred from the date of an accident to the date of a trial or settlement
General Damages: Estimated and include pain, suffering, loss of amenities, future loss of earnings and loss of earning capacity
Claim examples can include:
Your Nanny is injured as a result of manual handling injuries (i.e. back pain).Your Nanny had a slip, tripped or fell (i.e. tripped over clutter on the floor or slipped on a wet surface).