FAQ for Nanny Employers

What is nanny insurance actually for?

Nanny Public Liability Insurance (such as that provided by Nannyinsure) provides cover for your nanny should the child or children in her care either be injured or cause damage to 3rd party property while in her sole charge.

Do I need any other insurance as an employer?

Yes, all employers are required by law to have at least £5 million worth of Employer's Liability Insurance cover. This is a legal requirement and you could face fines of up to £2,500 for every day that you are without valid cover. Our partner service Enable Insurance Services provide Employers' Liability Insurance that is specifically designed for nanny employers. You can visit the website here.

Should I pay for the nanny's insurance?

Some nanny employers ask their nanny to take up Public Liability Insurance either for Ofsted Registration purposes or simply for peace of mind. It is up to you whether or not you pay for the nanny’s insurance, but do bear in mind that it will be considered a taxable benefit and will have to be declared to HMRC.

I want my nanny to be Ofsted registered. Can you help with this?

Unfortunately, we are unable to help with Ofsted registration. For more information about Ofsted you can visit the Ofsted section on the Nannytax website here or go direct to the Ofsted website here. Bear in mind that the nanny will have to apply for Ofsted registration herself.

What is a DBS check? I have not heard of this.

In December 2012 the Criminal Records Bureau (CRB) merged with the Independent Safeguarding Authority (ISA) to become the Disclosure and Barring Service (DBS). A DBS check is simply the new name for the CRB check. Babyem also offer a DBS check service. For £13 a year a nanny can sign up the the DBS update service to ensure that her DBS check is always up to date.

Will the insurance cover my nanny if she comes on holiday with us?

Yes, Nannyinsure covers the nanny for up to a maximum of 90 days of travel outside the UK in a single trip as long as at least one parent/guardian is also present on the trip. Cover is provided for maximum of 180 days of travel with the family during a 12-month period of insurance.

What happens if the nanny leaves my employ?

As the Nannyinsure policy is in the nanny's name, it is hers to keep. When she leaves your employment she will take the insurance with her; you cannot pass the Nannyinsure policy to your new nanny or cancel the policy when she leaves.

I no longer receive Childcare Vouchers. Can I cancel my nanny's PLI?

No. Only the nanny can cancel her insurance policy.

How do I apply for Childcare Vouchers?

At the moment Childcare Vouchers are only available via your employer. You will need to approach the HR department at your work and ask them if they offer Childcare Vouchers, and if so ask to use them. If they do not offer Childcare Vouchers, ask them if they would be willing to.


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