Insurance

Employer Liability Insurance

It is a legal requirement for all UK employers, including domestic employers, to hold Employers Liability (EL) Insurance.

  • EL insurance will help you pay compensation if an employee is injured or becomes ill because of the work they do for you.
  • You may not need EL insurance if you only employ a family member or someone who is based abroad.
  • You can be fined £2,500 every day that you are not properly insured.

Before you look at EL insurance, we recommend that you speak to your household insurers first as they may provide this cover.

We have have also secured an exclusive discount with Morton Michel to ensure that nanny’s can access a policy discount. It is not a legal requirement for an employee who works in a family home to have insurance, however we recommend that you discuss this with them as they may wish to have this extra cover.  

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Standard Insurance Policy

Family Payroll have teamed up with childcare insurers, Morton Michel to offer an exclusive discount to employers who employ a nanny in their home. This provides public liability insurance for a nanny, which protects them should anything happen to your children whilst in their care. The Morton Michel Nanny policy covers the following as standard:

  • Injury to a child by a nanny during everyday activities such as a trip to the park, playing at home or caring for a child while they are poorly – up to £10m
  • Damage to parents and other people’s property – up to £1,000
  • Access to various helplines including counselling assistance to look after your wellbeing
  • A wide range of discounts and benefits as part of the exclusive ChildCare Club
  • Premiums can be paid by monthly instalments
  • An exclusive discount for all members
Take Out A Policy Online

We work closely with Morton Michel, the Childcare Insurance Specialist.

Morton Michel has over 55 years’ experience in the childcare sector delivering specialist insurance solutions. Their Nanny policy draws on this experience and is expertly designed to meet the requirements of nannies today.

In addition to providing specialist cover, all policyholders get access to a wide range of fantastic discounts and benefits as part of the ChildCare Club, including FREE Early Years training from award-winning flick learning.

Morton Michel has over 55 years’ experience in the childcare sector delivering specialist insurance solutions. In addition to providing specialist cover, all policyholders get access to a wide range of fantastic discounts and benefits as part of the ChildCare Club. The Morton Michel Employers Liability policy covers the following as standard:

  • Employers Liability up to £10m if you employ nannies, maternity nurses, doulas, carers or domestic staff to work in your house.
  • A wide range of discounts and benefits as part of the exclusive ChildCare Club
  • An exclusive discount of up to £7.00
Take Out A Policy Online
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All policyholders have access to:

  • Free legal advice helpline and counselling assistance to look after your wellbeing.
  • Access to free online training from flick Learning.
  • Automatic membership into Childcare Club, which contains dozens of discounts.
  • Exclusive discount on Nanny insurance policy.
Avoid potential costly legal disputes with Morton Michel’s free legal advice helplines and legal services website. If you are unsure about your legal obligations at this time, you have access to a free, independent legal advice line started by experts experienced in handling legal and tax-related matters. They offer legal advice on business matters including including dismissal, redundancy and the furlough scheme.
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Fish Insurance: Care Protect and Healthcare Protect Insurance

Specialist insurance for people who employ personal assistants (PAs) or carers. Our cover provides protection against claims resulting from injuries and damage to people and property.*

Fish Insurance have partnered with Altura Learning, a Skills for Care Centre of Excellence provider offering multi-award winning training solutions to the care sector, which provides training to personal assistants for ongoing development. 

They also offer Aquarium, which  is designed to help you with the day-to-day management of your PA’s. The Aquarium portal provides effective tools that aim to minimise risk, ease administration, and enable clearer communication. Access to Aquarium offers free training on a variety of issues, exclusive discounted access to Altura Learning Courses, risk assessment tools, a course builder and allows you to store documents. 

Take Out A Policy Online

Fish Insurance: Carer and Personal Assistant Insurance

To protect self-employed carers while they are working. The cover offers protection if you were to have an accident or make a mistake while providing care.

Get a £10 discount when you quote the code '4058' and get covered for just £79 / year.

Take Out A Policy Online
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Not just insurance

Morton Michel offer a range of value-added benefits to support you, your family and the children you care for, including ChildCareClub Membership, an Exclusive Benefits Discount Portal, online training and counselling.

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If you’d like to get in touch about any of the benefits

or discuss anything further, please get in touch with a member of our team.

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