Babysitting insurance

Babysitting insurance is a type of liability coverage that protects babysitters against claims for bodily injury or property damage while caring for children. Babysitting insurance policies typically include general liability, which covers legal fees and settlements if a child gets injured under the sitter’s supervision, such as falls or allergic reactions.

Babysitters in the U.S. Often purchase policies with $1 million per occurrence limits, according to insurers like Hiscox and Next Insurance.

Parents frequently require proof of babysitting insurance before hiring sitters through platforms like Care.Com or Sittercity, as per YourInsurance.info. Babysitting insurance can cover accidental property damage caused by sitters, including broken electronics or stained carpets during jobs at clients’ homes.

Some policies extend to medical payments coverage, reimbursing minor injuries without requiring lawsuits; examples include scraped knees or minor burns from kitchen accidents. Sitters who transport children may need non-owned auto liability endorsements because standard babysitting insurance excludes car accidents; companies like Thimble offer these add-ons starting at about $5 per month.

Claims history and number of children supervised directly affect premium costs–insurers charge higher rates for sitters supervising more than three children simultaneously due to increased risk exposure.