Nanny Insurance
Support for your business with flexible nanny insurance coverage. Protection for the children you care for.
Specialist insurance protection for nannies in the UK
As the longest serving insurance broker in your sector, you can trust us to deliver insurance protection that is designed to really work for you and the children you care for.
Is this the right policy for me?
We understand that as a nanny you will often have specialised needs. Our award-winning nanny insurance policy is designed for qualified nannies caring for children who are up to 17 years old.
New Customer
If you're a new customer, then we can point you in the right direction.
Existing Customer
If you are an existing policy holder, we are here to help.
*If you are an existing policyholder, please log in to your Morton Michel portal to see your current Policy Documents or call us on 0300 058 9861.
What's covered?
- Public liability
- Professional indemnity
- Legal expenses
- Third-party property cover, to protect you if you accidentally damage your employer's property
- Legal, tax and counselling helplines
Key exclusions and limitations which may lead to a claim being declined:
- Public liability insurance - fines, penalties and punitive awards
- Professional indemnity insurance - claims or circumstances that you are aware of or that should have been reported to a previous policy
- Legal expenses insurance - any claim with less than a 50% prospect of a successful award in your favour
You can view our policy summary guide for details of the significant policy benefits, conditions and limits. Full terms and conditions can be found in the policy wording.
Why choose Morton Michel for your nanny insurance?
Our knowledge, experience and longevity within the childcare sector enables us to provide you with flexible insurance solutions and services designed to meet your needs including:
- a dedicated, specialist team who understands the requirements of the childcare and education sector and the challenges you face every day.
- access to over 80 RoSPA-accredited or CPD-certified online training courses from flick learning.
- additional discounts and benefits through our exclusive ChildCare Club.
- access to an exclusive discount portal offering a wide range of retail discounts from well-known high street stores, for you and your family.
*Morton Michel ChildCare Club Benefits, flick learning, and the discount portal do not form part of the FCA regulated products. These are provided as an additional service.
Want to extend your cover?
Optional sections you can choose, at an additional cost, when purchasing your insurance include:
Get a Quote- Personal accident
- Business equipment
- Employers' liability
- Personal possessions
Morton Michel Additional Benefits for Nannies
In addition to the standard cover you would expect with your Nanny insurance, we offer a range of value-added benefits.*
You will receive access to over 80 RoSPA accredited and CPD-certified online training courses from flick learning.
Employee benefits
For all policyholders, we offer free access to a wide range of market-leading retail discounts for you and your family.
Automatic entry to our ChildCare Club; a hub of additional discounts and benefits.
Legal helpline
ARAG plc provides expert advice on a range of business-related legal and tax matters including employment and law disputes. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Counselling service
Access to a confidential mental health counselling helpline provided by ARAG and operated by trained counsellors 24 hours a day, 7 days a week. Helplines are subject to fair and reasonable use and will only incur the cost of the call (unless otherwise stated).
Tax helpline
Your query will be dealt with by a qualified specialist experienced in handling tax-related matters. This service is available Monday to Friday from 9am - 5pm.
Some of your most frequently asked questions
Do nannies need insurance?
All nannies face risks every day and insurance can protect you in case of a claim being made. This could be an injury to a child in your care, or damage to a family's property for example, but you might also want to think about cover for legal expenses or professional negligence claims. Morton Michel's Nanny policy is designed to cover these risks and much more. Click here to obtain a quote.
Does a nanny need business car insurance?
If you are self employed you will need your own motor insurance to drive. If you drive your employer's car you will need to be added as a named driver to their motor insurance policy.
Do I need Employers Liability insurance for a nanny?
Legally all employers must obtain Employer's Liability insurance, and that includes families employing a nanny. Morton Michel offers a standalone Employer's Liability policy for families with nannies. Click here to obtain a quote.
How much does nanny insurance cost?
The cost of nanny insurance can vary depending on your activities. You can get a free quote online here.
Can a nanny's employer insure them?
Families who employ nannies should obtain Employer's Liability insurance, but ordinarily the nanny will be responsible for obtaining their own cover, such as Public Liability. Depending on their individual arrangements, the family may choose to cover the costs of this for the nanny.
Can I obtain insurance for nannying and babysitting?
Yes, Morton Michel's Nanny insurance includes cover for additional related jobs such as babysitting. We also insure doulas, maternity nurses, sleep consultants and other related professions. Further information available here.
Do I need insurance to be a part time nanny?
All nannies face risks every day and insurance can protect you in case of a claim being made. This could be an injury to a child in your care, or damage to a family's property for example, but you might also want to think about cover for legal expenses or professional negligence claims. Morton Michel's Nanny policy is designed to cover these risks and much more. Click here to obtain a quote.
Do nanny agencies need business insurance?
All businesses should ensure they are appropriately insured. At Morton Michel we insure hundreds of childcare staff agencies across the country. You can obtain a quote here.
Do I have to pay for my nanny's Public Liability insurance?
Who pays for the insurance depends on the private arrangement you have with your nanny, but in any case, the nanny will be the policyholder.
Is Public Liability insurance for nannies necessary?
All nannies face risks every day and insurance can protect you in case of a claim being made. This could be an injury to a child in your care, or damage to a family's property for example. Morton Michel's Nanny policy is designed to cover these risks and much more. Click here to obtain a quote.
How much is Employers Liability insurance for nannies?
You can obtain a quote for Employer's Liability insurance here.
How do I get insurance for my nanny agency?
At Morton Michel we insure hundreds of childcare staff agencies across the country. You can obtain a quote here.
What happens if my nanny does not have business car insurance?
If your nanny is self-employed, or not fully covered by your own insurance, you will need to ensure your nanny has car insurance to drive. If your nanny drives your vehicle then you will need to add them as a named driver to your motor insurance policy. Driving without the correct insurance is against the law.
More insurance for your childcare business
Additional insurances
Morton Michel can arrange the following insurance policies for you, at an additional cost:
contact us- Motor
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