If the nanny share is not in your home...

[Anonymous]

See upthread for the range of licensing requirements depending on exactly where in the DMV you are. Are you rotating hosting? If it is only hosted at the original family's home, the upside is that you don't have to be the one to figure out the insurance options--you just need to confirm that they have a policy in place. If you're lucky, the fact that it is a longstanding share will mean that this is sorted out already (but never assume!)

[Anonymous]

Anonymous wrote:

Anonymous wrote:Nanny shares aren't illegal in the DMV. Trolls have been claiming that for years on this board when it isn't true.

Please stop lying. I've personally gone down to the county offices that license home daycares. They have regulations that dictate who must be licensed.

Basically, when you pay someone to provide care in their home (or your friend's home), you want to have your child covered by the homeowner's insurance. But no insurance company will cover for your child's safety without a license to insure that basic safety practices were in place. This seems like common sense to me.

So if anyone here still thinks nanny shares are legal, name your town, and I'll call up licensing in the morning and post the name of the person I speak with.

Also, just ask the hosting family if their homeowner's insurance would cover your child in case your child was injured. If they say "yes", ask which insurance company they use. Name that company here. I guarantee you, no homeowners insurance would cover your child. Of course it's different for play dates, as long as you aren't operating a business by accepting payment.

Does everyone understand this?

No policy will cover a business without a license. -sp

[Anonymous]

Anonymous wrote:See upthread for the range of licensing requirements depending on exactly where in the DMV you are. Are you rotating hosting? If it is only hosted at the original family's home, the upside is that you don't have to be the one to figure out the insurance options--you just need to confirm that they have a policy in place. If you're lucky, the fact that it is a longstanding share will mean that this is sorted out already (but never assume!)

Don't you want to be sure that the homeowner's insurance policy will cover your child in case of injury?

[Anonymous]

Anonymous wrote:

Anonymous wrote:See upthread for the range of licensing requirements depending on exactly where in the DMV you are. Are you rotating hosting? If it is only hosted at the original family's home, the upside is that you don't have to be the one to figure out the insurance options--you just need to confirm that they have a policy in place. If you're lucky, the fact that it is a longstanding share will mean that this is sorted out already (but never assume!)

Don't you want to be sure that the homeowner's insurance policy will cover your child in case of injury?

That's why OP needs to confirm that the policy is in place. She doesn't need to get one for her own home unless the share will be hosted there some of the time.

[Anonymous]

You are this nannies employer in the eyes of the IRS. yes you must pay your share of the taxes

[Anonymous]

And your child is NOT covered by the homeowner's insurance.

[Anonymous]

Anonymous wrote:And your child is NOT covered by the homeowner's insurance.

Your child is covered when there is an appropriate workers' comp policy in place, which is what half this thread is about. Agreed that the child is not covered under a standard homeowners' policy, though. The share has to be explicitly covered by the actual policy (our insurer needed names).