Anyone who is injured on your property can file a claim against your homeowner’s insurance. I am friends with a speech therapist who was viciously attacked by a pitbull (not the homeowner’s but one owned by a neighbor’s daughter’s visiting friend that got loose on the street and bit her and her client (child with SN) on the steps of the house. Fortunately she fought it off and got both of them inside but sustained injuries that made her unable to work for months and required several surgeries. The cops shot the dog and the neighbor’s daughter claimed she didn’t know the dog was there. The therapist filed a claim against the homeowner’s policy and was compensated because the injury took place there.

We mentioned it to our insurance agent and coverage for a household employee was included in our policy.

It's mandatory to carry a workers comp policy for your nanny in most states

Anonymous wrote:

Anonymous wrote:What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

That is very family specific. I wouldn’t really call a family member watching a child a nanny. A nanny usually has formal training and is a legal employee.

If the family member isn’t usually paid for taking care of the child, I’m not sure it makes sense to pay now that they are not watching the child. I’m assuming the family member has insurance and medical bills are covered. It would be nice if they sent flowers and helped out with groceries etc for a while.

I hope the child is ok. That is scary. Perhaps it’s time for the family to hire real childcare.

Yeah they need to get real childcare. I see this all the time where they think elderly parents can handle it and they get hurt.

Anonymous wrote:If they got injured on the job doing normal things consistent with the job, what happens?

Nanny employer, if smart, or de states mandatory gets a working comp insurance policy. If you don't have policy, then you can get sued by nanny.

Anonymous wrote:

Anonymous wrote:What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

Workers Compensation insurance premiums are based on income, so if the babysitter is not getting paid they're not an employee and workers compensation wouldn't fit here.

Does the sitter have health insurance? That's what should pay and the health insurer may come after the homeowner insurance of the home where the accident occurred, if there was negligence involved.

This. But if this was just an accident not due to negligence, then it's just someone hurting themselves who happened to be watching a kid at the time. Is the kid ok? You really seem to want to punish the parents.

Anonymous wrote:What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

Then they aren’t an employee. They are doing family a favor.

Anonymous wrote:What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

Workers Compensation insurance premiums are based on income, so if the babysitter is not getting paid they're not an employee and workers compensation wouldn't fit here.

Does the sitter have health insurance? That's what should pay and the health insurer may come after the homeowner insurance of the home where the accident occurred, if there was negligence involved.

Anonymous wrote:I had nannies for 12 years and always kept worker’s comp insurance. It was only a few hundred dollars/year. We never needed it, but it felt important to have just in case.

Same here.

Anonymous wrote:What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

That is very family specific. I wouldn’t really call a family member watching a child a nanny. A nanny usually has formal training and is a legal employee.

If the family member isn’t usually paid for taking care of the child, I’m not sure it makes sense to pay now that they are not watching the child. I’m assuming the family member has insurance and medical bills are covered. It would be nice if they sent flowers and helped out with groceries etc for a while.

I hope the child is ok. That is scary. Perhaps it’s time for the family to hire real childcare.

Anonymous wrote:I had nannies for 12 years and always kept worker’s comp insurance. It was only a few hundred dollars/year. We never needed it, but it felt important to have just in case.

same with us

What if they are not legally employed? They are full time nanny for a family member. Not being paid at all. What should be offered to the injured person (elderly person who fell while holding child and fractured a bone that may require surgery).

Yes, they should have it if they are legally employed

I had nannies for 12 years and always kept worker’s comp insurance. It was only a few hundred dollars/year. We never needed it, but it felt important to have just in case.

If they got injured on the job doing normal things consistent with the job, what happens?