About Enable Insurance Services
The EIS Policy for Home Childcare Professionals
What is Employer’s Liability Insurance?
All employers, including nanny employers, have a legal responsibility to provide a safe working environment for their employee/s.
Under the Employer’s Liability (Compulsory Insurance) Act 1969 all employers must ensure they have a suitable Employer’s Liability Insurance policy to cover themselves against claims made by employees or former employees.
If your employee has sustained an injury or illness as a result of their work or working environment they may try to claim compensation and this is where an Employer’s Liability Insurance policy would come in.
What do I have to do?
The legal requirement is to be covered for a minimum of £5 million. The Enable Insurance Services policy covers our clients for a minimum indemnity of £10 million, so you can be confident of having the right cover from the start, at a fixed price, low cost premium of £99 for an annual policy.
If your nanny has already begun working for you, don't delay. The cost of an annual policy is insignificant compared to the potential fines you may face if caught without one. When you receive your Certificate of Insurance keep it safe and display it somewhere where your nanny can see it.
And finally, while it is not mandatory to keep out-of-date certificates it is advisable to do so in case of claims by anyone who may have left your service who worked for your while that policy was in force.
Click here for the Employer’s Liability (Compulsory Insurance) Act 1969 - A brief guide for employers [PDF], published by the Health and Safety Executive.