This help centre article has been written for the Koru Kids nanny service
Koru Kids pay for a group policy for Public Liability insurance for our nannies up to £2 million limit of indemnity.
The purpose of this is that your nanny has insurance protection in the unlikely event that you need to make a claim against them following their negligent act that results in accidental third party injury or damage to third party property while working for you as a Koru Kids nanny.
Here are the key things you need to know about the Koru Kids nanny insurance policy works:
Under the policy Koru Kids have purchased, your nanny is only insured when they are working for you as a Koru Kids nanny. Therefore, it’s essential that all shifts are submitted, approved, and paid through Koru Kids.
Nannies who are working a trial or who are on a ‘short-term contract’ (defined as being contracted for less than 4 weeks) are not insured, unless they already have a DBS check from the past 12 months. Click here to find out more about how Koru Kids run DBS checks.
If you need your nanny to administer medicine or drugs for your child, please read this article carefully, as it may prejudice your Nanny’s insurance if the conditions detailed within the insurance policy are not complied with.
The insurance only covers reasonable day to day activities of a nanny including, for example; trips and outings, light domestic duties, sleep training, potty training and baby massage.
As an employer, it’s also a legal requirement that you have Employers’ Liability insurance. This may be available with your Household Insurance. Click here to find out more about Employers’ Liability insurance.
The above information is meant as a summary only and does not form part of the insurance contract. For more information, please contact us.