Can I drive children to school in my personal car?

Only if your personal auto policy covers business use — most don't. Driving children to school, sports, or activities in your personal vehicle for compensation is business use. Accidents during business use in a personal vehicle may be denied by your personal auto insurer. You need either a business use endorsement on your personal auto policy or hired/non-owned auto coverage. Some states require livery insurance for transporting minors commercially. Confirm your coverage in writing with your insurer before driving any clients' children.

What if a child is injured in my care?

GL covers third-party bodily injury — if a child under your care is injured (a fall, a playground accident, an allergic reaction you didn't prevent), the family may make a claim against you for medical expenses, pain and suffering, or negligent supervision. GL defends you and covers settlements up to your policy limit. Professional liability covers negligence claims specifically related to your childcare services — failure to follow medical protocols, failure to supervise, or failure to follow care instructions. Document all incidents immediately and notify your carrier before making any statements to the family's attorney.

What is abuse and molestation coverage?

Abuse and molestation (A&M) liability covers legal defense costs and settlements for allegations of physical, emotional, or sexual abuse or molestation. These claims are excluded from standard GL policies. False accusations can be career-ending and financially devastating — legal defense alone averages $50,000–$200,000. A&M coverage provides defense funding even when the allegation is false and unfounded. Best practices: never be alone with a child in an enclosed space, always inform parents of activities in advance, maintain transparent communication, and document all incidents in writing.

How much does nanny insurance cost per month?

Solo nanny with GL and professional liability only: $30–$60/month. Add abuse and molestation coverage: $60–$90/month. Nannies who drive children (need auto endorsement): $80–$140/month total. Nannies who are household employers (employ a helper or backup nanny): add EPLI for $40–$80/month. Total comprehensive package for a nanny who drives and works with multiple families: $100–$180/month. These are among the most affordable professional liability packages available — childcare professionals are a relatively low-risk insurance class for insurers.

Can I drive children to school in my personal car?

Only if your personal auto policy covers business use — most don't. Driving children to school, sports, or activities in your personal vehicle for compensation is business use. Accidents during business use in a personal vehicle may be denied by your personal auto insurer. You need either a business use endorsement on your personal auto policy or hired/non-owned auto coverage. Some states require livery insurance for transporting minors commercially. Confirm your coverage in writing with your insurer before driving any clients' children.

What if a child is injured in my care?

GL covers third-party bodily injury — if a child under your care is injured (a fall, a playground accident, an allergic reaction you didn't prevent), the family may make a claim against you for medical expenses, pain and suffering, or negligent supervision. GL defends you and covers settlements up to your policy limit. Professional liability covers negligence claims specifically related to your childcare services — failure to follow medical protocols, failure to supervise, or failure to follow care instructions. Document all incidents immediately and notify your carrier before making any statements to the family's attorney.

What is abuse and molestation coverage?

Abuse and molestation (A&M) liability covers legal defense costs and settlements for allegations of physical, emotional, or sexual abuse or molestation. These claims are excluded from standard GL policies. False accusations can be career-ending and financially devastating — legal defense alone averages $50,000–$200,000. A&M coverage provides defense funding even when the allegation is false and unfounded. Best practices: never be alone with a child in an enclosed space, always inform parents of activities in advance, maintain transparent communication, and document all incidents in writing.

How much does nanny insurance cost per month?

Solo nanny with GL and professional liability only: $30–$60/month. Add abuse and molestation coverage: $60–$90/month. Nannies who drive children (need auto endorsement): $80–$140/month total. Nannies who are household employers (employ a helper or backup nanny): add EPLI for $40–$80/month. Total comprehensive package for a nanny who drives and works with multiple families: $100–$180/month. These are among the most affordable professional liability packages available — childcare professionals are a relatively low-risk insurance class for insurers.

Household & Personal Services

Business Insurance for Nannies

A child is injured in your care. A parent accuses you of negligence. Your vehicle is in an accident with a child in the passenger seat. Professional nanny work carries real risk — most of it is personal liability that standard policies don't cover.

$30–$90/ monthSolo nanny (GL + professional liability only): $30–$60/month. Add abuse and molestation coverage: $60–$90/month. Nannies who drive children (add commercial auto endorsement): $80–$140/month. Nanny agencies with multiple nannies: $300–$700/month.

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Coverage Types for Nannies

These are the key insurance policies most relevant to your business type — ranked by importance.

📋

Professional Liability (E&O)

Highly Recommended

If parents allege your negligent supervision resulted in injury, illness, or developmental harm, professional liability covers your legal defense. Claims can arise from a child injuring themselves under your watch, allegations that you didn't follow care instructions, or disputes over your professional conduct.

🛡️

General Liability

Highly Recommended

GL covers third-party bodily injury and property damage in a client's home. If a child is injured, you accidentally damage a client's property, or a non-family member is injured during your shift, GL responds. Most nanny agencies require GL before placement.

🔒

Abuse & Molestation Liability

Highly Recommended

False accusation risk is real for anyone working alone with children. This coverage pays legal defense costs for accusations of inappropriate conduct — excluded from standard GL. Nannies working independently without agency oversight have the highest exposure for this type of allegation.

🚗

Commercial Auto

Recommended

If you drive children to school, activities, or appointments in your personal vehicle, your personal auto policy almost certainly excludes business-related passenger transport. You need a hired/non-owned auto endorsement or livery coverage for any commercial passenger transport of minors.

⚖️

Employer Practices Liability

Recommended

If you employ helpers or sub-nannies, EPLI covers wrongful termination and discrimination claims. Even a solo nanny who is the employer of record for a single assistant faces EPLI exposure.

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What You Need to Know

→Your homeowner's or renter's policy does NOT cover professional activities — if you're working in a client's home as a professional, you need business coverage.
→Driving children in your personal vehicle for work is a business use that most personal auto policies exclude — this is one of the highest-risk uninsured exposures for nannies.
→Abuse and molestation coverage is excluded from standard GL — it must be added separately and is specifically important for solo childcare workers without supervision.
→Document all care instructions in writing (feeding schedules, allergy protocols, emergency contacts) — written documentation is your first defense against negligence claims.
→If placed by a nanny agency, confirm whether the agency's GL covers you as an individual worker — most agency policies cover the agency, not the individual nanny.

What Does It Cost?

$30–$90per month

Solo nanny (GL + professional liability only): $30–$60/month. Add abuse and molestation coverage: $60–$90/month. Nannies who drive children (add commercial auto endorsement): $80–$140/month. Nanny agencies with multiple nannies: $300–$700/month.

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Frequently Asked Questions

Yes, especially if self-employed or placed independently. Nannies working as household employees without their own coverage rely entirely on the family's homeowner's policy — but homeowner's policies have strict limits on employee liability, typically $100,000, and may exclude professional childcare activities. If you are self-employed or work through an agency, the family's insurance covers the family, not you. Your professional liability covers your conduct as a childcare professional. A dedicated nanny policy (GL + professional liability + A&M) typically costs $30–$90/month — worthwhile protection for a professional career.

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