What is child minders liability insurance?
Liability insurance for child minders protects the policyholder against claims made against them in respect of their legal liability for personal injury or property damage arising during the course of the business. The public liability insurance policy protects the insured against claims from third parties, whereas if you have any employees in the business you will require employers liability insurance to protect you against claims in respect of your legal liability for death, disease or injury arising from their employment.
What liability insurance does a child minder need?
All businesses should have public liability insurance, although not a legal requirement for most businesses, it is an essential protection for your business. The policy meets the cost of any awards made against you and also pays for your defence costs in respect of any claim.
If you have employees then employers liability insurance is a legal requirement for the majority of businesses, more information on who is exempt from the requirements may be found on our main employers liability page.