Caring for children at home for payment is a business, however informal the arrangement. Personal policies exclude it, and the exposure is one of the most serious a household can take on.
Paid childcare at home is a business pursuit. Personal liability and umbrellas exclude it.
Three things about looking after children for money.
An injury to a child in your care produces a claim with few practical limits on its size. It is also the kind of claim most likely to be pursued fully, because the claimant is a family protecting a child. This is not an area where a gap is survivable.
Childcare for payment is a business pursuit. Homeowners liability, renters liability and personal umbrellas all exclude business pursuits, so the activity with the largest potential claim is specifically outside the cover a household already holds.
Cover written for home childcare exists, it is not expensive relative to the exposure, and it is available whether the arrangement is licensed or an informal few children. Watching friends’ children for payment counts.
Separating the household from the business.
Including informally, including for friends.
It is the only thing that genuinely answers.
They still matter for everything that is not the business.
Tell us whether anyone in the household is paid to care for children.
We place childcare liability, which no personal policy will touch.
Request a quote