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Automobile Insurance
Most nanny jobs require that the nanny transport the
children. If you use your own vehicle for this purpose, you need to be
aware that your insurance company may not cover you if you are involved in an
accident while using your vehicle as a work vehicle. We recently contacted
the International Nanny Association for information on this issue. Their
response was:
When a nanny transports children as part of her job requirements it is considered "on the job" or business travel. She would need to talk to her
insurance agent and question them about increasing her coverage. If an accident occurred and she did not secure this additional coverage, the
insurance company could refuse to pay the claim when they found that the nanny's employer directed her, as part of her job duties to transport her
charges. It is so much safer to be sure than sorry. In many cases that additional premium that she pays for business use of her car could be covered
by her employer. If the children were passengers and were injured in an accident in the nanny's car, and the insurance company denied the claim
(use of the car was not reported honestly) then the benefits would not kick in for the children's medical needs either. The family could possibly
even sue the nanny for not taking care of this detail. After all it is her responsibility since she knew what the job requirements were.
All of this is the absolute extreme of how things could turn out, in my 19 years of nanny placement I have never heard of a single case going to
this level (or even of a claim being denied) but it is all a possibility.
That is why it is always safer for the nanny to drive the family owned and family insured vehicle for transporting the children.
I hope this answers the question. Feel free to let me know if I can help in any other way or if you need additional information.
Sincerely,
Pat Cascio, President
International Nanny Association
www.nanny.org
The International Nanny Association is an organization
which we belong to and support. They are a wonderful resource to both
nannies and agencies alike. I encourage you to check out their award
winning web site at www.nanny.org and to
become a member at the nanny level. Becoming a member would help you to be
a better nanny and I suspect that most of the families that you work for would
be happy to pay for all or part your membership -- either way, it is well worth
the cost.
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