Accident risk insurance

Before entrusting your offspring to a third party, it is best to check the prize for possible bodily and material damage.

Assistante maternelle, nanny à domicile, crèche, baby-sitting … The possibilities offered for parents to keep their children old are numerous. Whatever solution is chosen, it must be ensured in advance that it will be properly covered in the event of an accident, suffered or caused, which occurred accidentally during the hours of custody. Update on insurance contracts that may be involved with Julien Lepareur, Director of Legal Affairs at the Mutual Insurance of Education (MAE).

The match of Paris. What are the obligations of a foster carer?
Julien Lepareur. In order to be able to keep your child at home or in a reception facility provided for this purpose, the foster carer is first subject to the obligation to have an approval issued by the department. Make sure you have this permission. Given her profession, she must also take out professional liability insurance for damages suffered and caused by the children entrusted to her. You are entitled to require her to provide you with a certificate. To insure, she can apply for an extension of her multi-risk home insurance or take out an individual contract.

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Also read: Student insurance: choose the right protection

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What happens in the event of an accident?
If your child is injured, falling off the slide, for example, or causing damage to another child during custody, the maternity assistant can be held liable for lack of attention. She must, like you, report the claim to her insurer as soon as possible. Please note that she cannot ask you for a refund if your child breaks an object at home or tears their wallpaper. Finally, if you authorize the maternal assistant to transport your child, the son of the vehicle must be insured for professional use.

What rules for a private employer appeal to a nanny at home?
You must contact your insurer to let them know of your intention to hire a babysitter at your home. By being an employer, you are responsible for the acts of the commission by your employee on levels. Consequently, make sure that your civil liability guarantee, included in your multirisque habitation contract, covers it well. It is also the one that takes care of the bodily injuries caused by your child to a third party. If the child is cared for voluntarily by his grandparents or a neighbor, their civil liability can be guaranteed by their own multi-risk housing contract, but also by yours.

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Whether the crèche is associative, private or municipal, it is imperative to take out professional liability insurance

How is the child covered if he injures himself?
You have no guarantee of civil liability. Your child is only protected if you have out-of-school insurance. You can opt for a life accident guarantee or an individual bodily guarantee.

What if the child attends a crèche?
Whether the structure is associative, private or municipal, it is imperative to take out professional liability insurance. The damage suffered by the child is then taken care of, unless he injures himself and no fault of supervision has been established. This insurance works between the time it is dropped off and the time you pick it up.

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