If, as a registered childminder, you are held legally responsible for an injury (including death) to a child or third party, or for damage to a third party’s property then you will be required to pay damages. Public Liability insurance covers these damages up to the limit of indemnity.
• Indemnity Limit of £2m
• Includes contingent motor insurance (this does not replace standard motor cover)
• Cost £55.00 plus IPT at 6%
Employers Liability If you are an employer, you are required by law to have Employers’ Liability insurance. This covers you in case an employee suffers an accident at work for which you are held legally responsible. Employees include paid or unpaid supervisors, students, work experience students, trainees and volunteers.
• Indemnity Limit of £10m
• Cover for your registered employees
• Cost £20.00 plus IPT per Employee (subject to Minimum Premium of £60.00 plus IPT)