Insurance

All professional childminders should hold appropriate public liability insurance to cover them in their work with children.  I have insurance, which has been specially designed for childminders, and is renewed annually.   The policy covers things such as:

• Accidental injury (including death) of any person in the care of the Insured Childcarer (including costs and expenses incurred in defending any matter forming such claim)
• Accidental loss or damage caused to a third party or the property of the third party in the course of their childcare activities.
• Nuisance or trespass.
• Accidental injury caused by the incorrect application of first-aid treatment.
• Administering medication/treatment (provided written parental permission has been obtained).
• Children being left in the care of another adult during an emergency.
• Damage to property including childminded children's property. Subject to an excess £50.00 in respect of childminded children's property.
• Exhibitions, crèches, meetings and outings run for, and on behalf of, Registered Childminders.
• Registered Childminders operating from a British Armed Forces base outside the UK.
• Accompanying parents on holiday abroad.