Insurance is the kind of subject that makes people's eyes glaze over. But for professional nannies, it's an issue of vital importance. Take this scenario, for example: a nanny is sued because she brought a cup of hot coffee to the dining room table where the toddler in her care was sitting, and he reached out and pulled it over himself, sustaining bad scalding for which he needed hospital treatment.
It seems like a simple accident, doesn't it? But in fact, the nanny could be successfully sued because she made the coffee too hot, and even though she didn't deliberately leave it in the child's reach, she should have anticipated that this type of accident might happen, and prepared a cooler cup of coffee. Now, if the nanny in question had public liability insurance, any ensuing damages would have been paid by her insurance company.
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