HomeMinder

We can offer policies that include undertaking business activities at the home, unlike some other home insurers who may be unwilling to offer cover to childminders due to additional risks. E.g. more people in your home increasing the possibility of accidental damage. It is important to check how many children any insurer allows to be minded at one time.

If accidental damage is included with your policy then it will be covered if accidentally damaged by a minded child.  We have worked with a range of insurers to make this optional cover available for our clients, but it isn’t included as standard with all insurers so you should always check that any policy meets your specific needs before purchasing.

Accidental damage can be added to all policies but not all policies with accidental damage will cover for accidental damage by a minded child.  We have worked with a range of insurers to make this optional cover available for our clients, but it isn’t included as standard with all insurers so you should always check that any policy meets your specific needs before purchasing.

You need to consider the total cost of replacing all the contents in your home if you were to buy new.  If you are unsure what to include, contents includes everything you would take with you if you moved house, e.g. curtains and freestanding appliances.

If you opt for extended accidental damage cover, and the specific risk is included, then this would be covered under our HomeMinder policy. This isn’t a standard cover offered by all insurers. The optional cover is designed for damage accidentally caused by the children, yourself or your assistant whilst minding in relation to your childminding business and equipment. 

No. This would need to be covered under your business public liability policy, which is a required cover if you are a registered childminder. 

No. As they are not the policyholder their personal possessions should be covered on their own home insurance policy if required.