Wow, hiring a nanny is quickly becoming much more complicated than I had imagined. Thanks for the replies. I'll be looking into our insurance policy options this weekend...

We have workman's comp.

Anonymous wrote:I don't think any of my employers have ever done that.

Why?

If the nanny hurt herself at your home, yes, you would be liable.

I don't think any of my employers have ever done that.

Yes. We got an umbrella policy.

Yes. You should be paying workmans comp and increase your home insurance just incase.

I was talking to a coworker about the nanny tax, and she asked if I would need to get liability insurance since I'll be an employer. That seems extreme, but I guess it's a valid question. If the nanny is hurt at my house (say falling down stairs or something), would I be liable?