The ANA has worked closely with Stella Brokers around the unique aspects of our industry. Stella Brokers is available for a free call for anyone wanting to discuss their insurance needs. Not to mention, ANA nanny members will receive discounts on their policies!
Become an ANA member and recieve $100 off your broker fee (T+Cs apply).
Know the different policies available in our industry
Types of Insurance in our Industry
Workers Compensation Insurance – Families or agencies who pay a nanny as an employee or contractor will need to have insurance to cover workers in their home. The family or agency make a claim on this policy in the event of an injury.
Liability and Professional Indemnity Insurance – People working as a nanny or in another in-home child care role are advised to have these insurances (often referred to in the industry as ‘nanny insurance’). Agencies should also consider this insurance along with other policies.
Not sure what policy is right for you? Book in a call with Stella Brokers today.
More information on Insurance types
Public Liability
For nannies/in-home care workers, Liability Insurance covers your legal costs & expenses (such as medical costs and compensation) in the event you are found negligent in causing personal injury or property damage to a third party. Liability Insurance cover provides a financial safety net in the event of something unforeseeable happening.
Claim examples:
- You stumble and accidentally drop a child whilst walking down the stairs, leaving them with a permanent disability
- You are cooking dinner, leave the kitchen for a moment and return to find it on fire. The parents home Insurer will claim against you personally for the damages.
- You drop a spoon in the garbage disposal and it breaks. The family seeks a replacement from you.
*Claims subject to your insurance policy, please contact your provider to ask what you are/aren’t covered for.
Professional Indemnity
For nannies/in-home care workers, Professional Indemnity Insurance protects you by covering you for civil liability claims for compensation sought by customers who believe you have breached your professional duty in the conduct of your profession (i.e. you make a mistake causing someone to suffer a financial loss).
Claim examples –
- Defamation – Making of false, derogatory statement in private or public about a person’s business practices, character, financial status, morals, or reputation
- Unintentional infringement of copyright, trademark, registered design or patent or any plagiarism or breach of confidentiality.
Personal Accident & Illness
Personal Accident & Illness Insurance is designed to protect you against loss of income resulting from an injury or sickness. If you are self employed with no sick leave, or are in a situation where your income is essential to meet financial commitments this insurance offers you peace of mind that your weekly income is insured.
Workers Compensation
For families, this might be arranged by your agency (if using one) otherwise you should contact the workers’ compensation scheme in your state/territory for further information about your insurances obligations.
ACT – https://www.worksafe.act.gov.au
NSW – https://www.safework.nsw.gov.au/
NT – https://worksafe.nt.gov.au/
QLD – https://www.worksafe.qld.gov.au/
SA – https://www.safework.sa.gov.au/
TAS – https://www.worksafe.tas.gov.au/