Childminder home insurance

When you run a business from home, it’s important to have legal expenses cover in place. The legal expenses cover gives you access to a 24/7 legal advice helpline, and will pay for legal bills relating to nuisance or trespass disputes and breach of contract for the sale or purchase of your property. The Homeprotect policy includes a basic level of legal expenses cover with every policy, providing up to £25,000 cover. You can upgrade to Full legal expenses to increase the cover limit to £50,000. Read more about the differences between Basic cover and Full cover.

It is in your best interests to have a written contract between you and any parents that you are providing childminder services to. In relation to home insurance, we provide up to £25,000 of legal expenses as standard within our home insurance. You may choose to upgrade this further when taking out cover.

You may well have noticed that very few insurers are comfortable with providing cover to childminders. In most cases, insurers believe that a home occupied by other people’s children is an unacceptably high risk. We don’t agree. We understand that childminding is your business, so you should be able to get buildings and contents cover in the same way that anyone else working from home does.

Your home insurance provider will need to be informed that you are running a business at home that involves your customers (parents and their children) being in your home on a regular basis. A mainstream home insurance provider generally won’t provide home insurance under these circumstances. You can get cover from Homeprotect, simply enter the details of your business visitors when you get an online quote.