Insurance when hosting nanny share

[Anonymous]

What kind of personal liability policies do people typically have when hosting a nanny share? Anything beyond regular homeowners? What about an umbrella policy? We will be hosting our share 50%. I have my homeowners insurance through USAA, but they don't offer umbrella policies. Does anyone recommend a particular insurer?

[Anonymous]

No one? But this is DC where everyone is an attorney. Aren't people afraid of getting sued?

[Anonymous]

Which county are you in? Or are you in DC proper?

[Anonymous]

Anonymous wrote:Which county are you in? Or are you in DC proper?

DC proper.

[Anonymous]

Anonymous wrote:What kind of personal liability policies do people typically have when hosting a nanny share? Anything beyond regular homeowners? What about an umbrella policy? We will be hosting our share 50%. I have my homeowners insurance through USAA, but they don't offer umbrella policies. Does anyone recommend a particular insurer?

??

I have an umbrella policy through usaa. (Don't host nanny share so can't help you there)

[Anonymous]

Anonymous wrote:

Anonymous wrote:What kind of personal liability policies do people typically have when hosting a nanny share? Anything beyond regular homeowners? What about an umbrella policy? We will be hosting our share 50%. I have my homeowners insurance through USAA, but they don't offer umbrella policies. Does anyone recommend a particular insurer?

??

I have an umbrella policy through usaa. (Don't host nanny share so can't help you there)

Really? Hmm. Maybe I need to give them another call. I looked into it about 2 years ago when we bought a rental property, but maybe there was some other issue.

[Anonymous]

Not really insurance, but we got workers comp through Breedlove

[Anonymous]

Nanny shares are illegal in DC, so no one will cover you for this.

[CPPatGTM]

Hi there!

The state of DC requires household employers to obtain workers' compensation insurance if they have anyone working 240 hours in a given quarter or an average of 128.46 hours per week. This is separate from your typical homeowners and umbrella policy, as they do not cover domestic workers in the event of an injury.

In the case of nanny shares, each family would need to obtain their own policies to ensure there is coverage where the work is taking place.

GTM can help you if needed, so feel free to give us a call. Best of luck!

[Anonymous]

CPPatGTM wrote:Hi there!

The state of DC requires household employers to obtain workers' compensation insurance if they have anyone working 240 hours in a given quarter or an average of 128.46 hours per week. This is separate from your typical homeowners and umbrella policy, as they do not cover domestic workers in the event of an injury.

In the case of nanny shares, each family would need to obtain their own policies to ensure there is coverage where the work is taking place.

GTM can help you if needed, so feel free to give us a call. Best of luck!

You're saying nanny shares are legal in DC?

We're talking here about coverage for the visiting child if the parents of that child sue the homeowners for negligence.

[Anonymous]

Anonymous wrote:

CPPatGTM wrote:Hi there!

The state of DC requires household employers to obtain workers' compensation insurance if they have anyone working 240 hours in a given quarter or an average of 128.46 hours per week. This is separate from your typical homeowners and umbrella policy, as they do not cover domestic workers in the event of an injury.

In the case of nanny shares, each family would need to obtain their own policies to ensure there is coverage where the work is taking place.

GTM can help you if needed, so feel free to give us a call. Best of luck!

You're saying nanny shares are legal in DC?

We're talking here about coverage for the visiting child if the parents of that child sue the homeowners for negligence.

GTM (and all the other nanny agencies) should really tell you the truth about this. Yes, in DC nanny shares are illegal. The home and the care provider is legally required to get licensed. Same for Montgomery County, Fairfax County and Arlington. It falls under illegally operating a home childcare business without being licensed. They don't care if it's six different families involved, or only two.

Without the license, you can't get insurance to cover the visiting child.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:What kind of personal liability policies do people typically have when hosting a nanny share? Anything beyond regular homeowners? What about an umbrella policy? We will be hosting our share 50%. I have my homeowners insurance through USAA, but they don't offer umbrella policies. Does anyone recommend a particular insurer?

??

I have an umbrella policy through usaa. (Don't host nanny share so can't help you there)

Really? Hmm. Maybe I need to give them another call. I looked into it about 2 years ago when we bought a rental property, but maybe there was some other issue.

They offer it in some states, not others. I can't qualify because of our nanny's driving record (a super-speeder ticket right before we hired her), but they will write one in GA where I live.

[Anonymous]

I wouldn't take liability and insurance advice from an anonymous forum OP. Just saying. Talk to your insurance agent, and get it in writing if you can.

[Anonymous]

No one has this sort of insurance in DC, MD or VA.