Nanny Shares are ILLEGAL ?

[Anonymous]

Anonymous wrote:Also, for the insurance, while of course you need to call your own provider directly, you will likely need/want to add a worker's compensation whether licensing actually requires this or not, since household employers are usually not covered by standard homeowner's policies. For ours, we needed the worker's comp rider to cover the nanny, but the second child was covered as a guest. I'm sure it varies by insurance company, though (and some policies already cover worker's comp up to a certain number of hours for household employees, so you just need to supplement that accordingly).

In which area do you live, and which insurance company do you use?

[Anonymous]

This is State Farm in CA. YMMV with other companies in other states, so obviously call to ask. But it was not a big deal in our case--they were clearly familiar with the type of situation and had no problem adjusting the policy to accommodate it. We already had good liability coverage, though, so if you don't, you might need to boost that. (Ditto for car insurance if your nanny is driving your car, BTW--he/she is no longer an incidental driver if driving the car regularly as part of job duties, and must be added to the policy.)

[Anonymous]

Anonymous wrote:

Anonymous wrote:Also, for the insurance, while of course you need to call your own provider directly, you will likely need/want to add a worker's compensation whether licensing actually requires this or not, since household employers are usually not covered by standard homeowner's policies. For ours, we needed the worker's comp rider to cover the nanny, but the second child was covered as a guest. I'm sure it varies by insurance company, though (and some policies already cover worker's comp up to a certain number of hours for household employees, so you just need to supplement that accordingly).

In which area do you live, and which insurance company do you use?

If a non-resident is paying your employee to care for their child in your home, that child is not a "guest."

If you have an agent who told you otherwise, PLEASE be sure to get it in WRITING.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Also, for the insurance, while of course you need to call your own provider directly, you will likely need/want to add a worker's compensation whether licensing actually requires this or not, since household employers are usually not covered by standard homeowner's policies. For ours, we needed the worker's comp rider to cover the nanny, but the second child was covered as a guest. I'm sure it varies by insurance company, though (and some policies already cover worker's comp up to a certain number of hours for household employees, so you just need to supplement that accordingly).

In which area do you live, and which insurance company do you use?

If a non-resident is paying your employee to care for their child in your home, that child is not a "guest."

If you have an agent who told you otherwise, PLEASE be sure to get it in WRITING.

Per our particular policy, yes, the second child is considered a guest based on how our insurance company defines this, and is covered under our umbrella liability. As should be clear by now, your insurer has a different way of handling this than ours does. It might be helpful to share which company you use and what their specific policy is to help OP choose an insurer. I didn't realize they varied so much in this regard, but will certainly keep it in mind if we ever change our policy!

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Also, for the insurance, while of course you need to call your own provider directly, you will likely need/want to add a worker's compensation whether licensing actually requires this or not, since household employers are usually not covered by standard homeowner's policies. For ours, we needed the worker's comp rider to cover the nanny, but the second child was covered as a guest. I'm sure it varies by insurance company, though (and some policies already cover worker's comp up to a certain number of hours for household employees, so you just need to supplement that accordingly).

In which area do you live, and which insurance company do you use?

If a non-resident is paying your employee to care for their child in your home, that child is not a "guest."

If you have an agent who told you otherwise, PLEASE be sure to get it in WRITING.

Per our particular policy, yes, the second child is considered a guest based on how our insurance company defines this, and is covered under our umbrella liability. As should be clear by now, your insurer has a different way of handling this than ours does. It might be helpful to share which company you use and what their specific policy is to help OP choose an insurer. I didn't realize they varied so much in this regard, but will certainly keep it in mind if we ever change our policy!

Are you the State Farm in CA poster?

[Anonymous]

People here are mostly trying to learn what the local in-home daycare licencing laws are in VA, MD and DC.

[Anonymous]

Anonymous wrote:If this is correct, how do you get around the law?
It's one thing if you're caring for your employer's child in the employer's home, but once you bring in an unrelated child, and pay for it, the caregiver needs to get a home daycare license. Is everyone hoping not to get noticed, or what?

This definitely applies to Arlington. I asked them directly.

[Anonymous]

Anonymous wrote:

Anonymous wrote:If this is correct, how do you get around the law?
It's one thing if you're caring for your employer's child in the employer's home, but once you bring in an unrelated child, and pay for it, the caregiver needs to get a home daycare license. Is everyone hoping not to get noticed, or what?

This definitely applies to Arlington. I asked them directly.

This shit again? YOU.ARE.WRONG.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:If this is correct, how do you get around the law?
It's one thing if you're caring for your employer's child in the employer's home, but once you bring in an unrelated child, and pay for it, the caregiver needs to get a home daycare license. Is everyone hoping not to get noticed, or what?

This definitely applies to Arlington. I asked them directly.

This shit again? YOU.ARE.WRONG.

I wish.

[Anonymous]

Can anyone explain the legal aspects of nanny shares in MD?

My reading of the MSDE websites is that paid child care outside of the child's home is subject to regulation, but the requirements for a family child care home include that care to be provided at the *caregiver's* home. So there seems to be no possibility for the caregiver to provide paid care for a child in another family's home. Can anybody clarify?

Thank you!

[Anonymous]

Anonymous wrote:Can anyone explain the legal aspects of nanny shares in MD?

My reading of the MSDE websites is that paid child care outside of the child's home is subject to regulation, but the requirements for a family child care home include that care to be provided at the *caregiver's* home. So there seems to be no possibility for the caregiver to provide paid care for a child in another family's home. Can anybody clarify?

Thank you!

You are 100% correct, unfortunately.

[Anonymous]

Most people doing it are simply ignoring their local laws, and hoping no one reports them.

[Anonymous]

Thank you for your replies!

What's the legal situation like in DC?

[Anonymous]

Anonymous wrote:

Anonymous wrote:Can anyone explain the legal aspects of nanny shares in MD?

My reading of the MSDE websites is that paid child care outside of the child's home is subject to regulation, but the requirements for a family child care home include that care to be provided at the *caregiver's* home. So there seems to be no possibility for the caregiver to provide paid care for a child in another family's home. Can anybody clarify?

Thank you!

You are 100% correct, unfortunately.

[Anonymous]

Wherever you live, you may call up whoever does licensing for "in home child care" and ask about nanny share arrangements.

If you do this and they tell you nanny shares are ok, please post where you live. Thank you.