Nursery & Civil Liability Insurance
Nursery insurance: Insuring your child properly at the nursery
Is your young child already old enough to go to nursery in Arras or elsewhere? We always ask ourselves the question of civil liability, for him as for others. After all, your child may be rowdy, but his or her future playmates and playmates potentially are too. What to do with insurance in this case? This is what we see in this full article on the subject.
Liability in the event of an accident
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Who is responsible in the event of an accident at the nursery?
You should know that it is your own civil liability as a parent that is pledged as soon as you are in the establishment where your child is. In other words, if your child is in the Arras nursery, the simple fact that you, as an Arranger, are also in the same place as your toddler, you become responsible in the event of an accident. Technically, it will be the civil guarantee provided for in your Arrondissement home insurance contract which will take over for compensation.
In most cases, the liability insurance included in your home insurance is sufficient. That said, whether you are in a municipal crèche or a private crèche, a micro-crèche, contact your insurer to verify that you do not need to take out additional insurance called "crèche insurance".
When you call on childcare professionals or even municipal services, check with them that they have up-to-date professional liability and what guarantees are offered!
Indeed, we must also be interested in the insurance taken out by the nursery ...
What may not be covered by the nursery insurance
Nursery insurance, whatever it is, will not cover the damage and accidents that the child will inflict on himself as long as he is well supervised. That said, whatever the cause, the responsibility of the structure can be systematically engaged. It is the insurer who generally tries to limit this scope of liability, so the analysis of the contract is necessary and we advise you to seek professional help.
Check in particular also with the nursery that if the health-related guarantees exist, side costs are also present.
If your child is sick, the resulting childcare costs may simply be the result of having to take sick leave from your employer. In this case, while even health insurance does not cover this type of case, you may need additional insurance.
Therefore, contact your insurance company to find out how to add a specific clause for toddlers. Dialogue with your insurer is important and telling him that you plan to put your child in the nursery will allow you to best meet your needs and your profile.
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