I am babysitting one five year old child in my home do i need extra insurance other than my homeowners insurance?
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UPDATED: Mar 5, 2013
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Insurance Question from Oceanside, NY
Asked on 03/05/2013
I am babysitting one five year old child in my home do i need extra insurance other than my homeowners insurance? NULL
Answer given on March 20, 2013
If you are babysitting a child in your home, and it is not a full time business, you do not need any additional insurance coverage. Coverage applies even if you are being paid for your services.The homeowner policy will protect you if the child is injured on your property and you are considered liable for the injury. Your medical payments coverage will also pay up to its limits even if you are not negligent but the child needs medical care.Your policy does not protect you if you intentionally injure the child or if there is an sexual assault on the child. The homeowner policy specifically excludes this type of behavior.If you begin taking care of several children, as in a day care type business, you need to tell your insurance company. They may need to add a rider to the policy and charge a premium for the coverage.
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