Yep. Worker's Comp. Some homeowners policies cover it as an add-on, and sometimes you have to buy it from the state insurance pool.

It's called workmans compensation

MBs -- have you all purchased liability insurance to give you coverage if something happens to your nanny while she is working for you? Our personal/home/umbrella policy does not cover any injuries while she is working and we'd like to find something that does. It seems not a lot of companies offer professional liability coverage though.

Thanks in advance.

Anne