For those who are great with children, being a child minder is an prudent way for extra income whilst at home – getting the children to behave may be the easy or tricky part; getting your insurers to continue cover may be the hard part.
Many household insurers do not cover homes that are used for business purposes or if they do, the minimal trades they will cover will have to be clerical only.
So if you’re thinking of taking up child minding, you’ll need to consider obtaining alternative buildings & contents insurance quotations from a provider that are happy with the occupation being carried out; the unattractive aspect to insurers is the fact that the property will be frequently visited by non-residents, whether they are the children you are looking after, or the parents coming to pick up their children – there is a large theft risk to insurers. You may be all the trusting, however for an insurer dealing with potential claims, alarm bells will ring.
As much as they are adorable (at times!) children can be reckless around the home – and again looking after a vast quantities again exposes insurers to accidental damage claims; juice on the carpets, knocked over antiques.. it could happen!
Luckily though, Goldcrest can help you with obtaining competitive quotations for home insurance for child minders. Consider normal protocol, property details, claims, buildings sum insured, contents etc. but also assist us to understand your business – how many days of the week are you minding children; the maximum number of children you look after at any one time; years’ experience/how long you have been doing for and also how you obtain the parents as clients – information like this so we can “paint a picture” for insurers to obtain the very best terms possible.
