Nanny Insurance – get the right policy based on your individual needs.

The Australian Nanny Association is not-for-profit organisation, run by industry volunteers to support and advocate for the people working in the nanny industry.  Our community is made up of professional nannies and agencies, so we understand first hand how confusing it can be to shop around for insurance.

This webpage will help break down the different insurance policies to consider and how you can connect to experts that can cut through the noise and help you make the right choice based on your individual work set up.

The ANA is proudly partnered with Lunar Insurance Brokers for all your nanny insurance needs.

We understand how confusing and complicated finding the right nanny insurance can be.  That’s why the Australian Nanny Association has a partnered with Lunar Insurance Brokers. The friendly team at Lunar is available for a free call for anyone wanting to discuss their insurance needs.

Become an ANA member $50 discount on your policy! (T+Cs apply).

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 should consider holding these insurance policies to protect them against damages, labiality and other legal risks.  (often referred to in the industry as ‘nanny insurance’).  Agencies should also consider this insurance along with other policies suitable to their service offerings.

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/

VIC – https://www.worksafe.vic.gov.au/

WA – https://www.commerce.wa.gov.au/worksafe