Nursery assistant, which insurance to choose?
We'll explain everything you need to know about insurance if you're a childminder.
In fact, there are absolutely compulsory insurance policies that you must take out from your first day of activity if you practice in private practice. Others are optional but strongly recommended. What guarantees should you take out? What are your specific needs as a childminder? What are the main risks in your business? When do you assume your responsibility as a childminder?
We explain everything to you and give you the list of the best insurance for childminders.
Summary
Maternal assistant, what are your compulsory insurances?
How much does maternal assistant professional insurance cost?
Nursery assistant professional civil liability insurance
What are the best childminder insurances?
Maternal assistant, what are your compulsory insurances?
Professional Liability
Status
Obligatory
advice
Underwritten personally if you are self-employed, and via your employer if you work in a crèche ...
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
advice
If your vehicle is already insured in person, do not forget to include professional use in your contract (this is often possible)
Mutual health
Status
Mandatory if you have employees. Optional if you are self-employed
advice
If you are an employee, the choice of the complementary is made by the company. If you are liberal, you will have to find a TNS mutual fund yourself (you can deduct the contributions from your income)
Foresight
Status
Optional
advice
Daily allowance insurance is particularly recommended for liberals
How much does maternal assistant professional insurance cost?
Professional Liability
Average annual price (€)
Around 25 € / year
Pricing criteria
Turnover, claims, years of experience
Advice
The price can double if you take the PJ guarantee (which we recommend)
Company mutual
Average annual price (€)
€ 26 / month for an employee and € 35 for a TNS
Pricing criteria
According to the chosen guarantee levels
Advice
In addition to the price, pay attention to the annual reimbursement ceiling (advice: € 1,000 minimum ceiling)
Car Insurance
Average annual price (€)
45 € / month
Pricing criteria
Driver's age, vehicle model, background
Advice
Choose the "All risks" formula, although a little more expensive than the "Third Party" formula, guarantees compensation for all types of claims (weather, accident, vandalism, etc.)
Foresight
Average annual price (€)
26 € / month
Pricing criteria
Age, selected guarantees, place of work
Advice
Give preference to "Daily Indemnities" insurance: your salary will be maintained in the event of accident or illness
Our maternal assistant insurance comparators
COMPARE 12 RC PRO CONTRACTS
COMPARE 34 TNS MUTUAL OFFERS
Nursery assistant professional civil liability insurance
Professional liability insurance is a legal obligation for the childminder.
If you are self-employed, you must take out insurance yourself for the exercise of your activity as a childminder. You then have the choice between 3 possibilities: request an extension of guarantee from your private life civil liability insurer (often covered by your multi-risk home contract), take out a dedicated professional third-party liability insurance contract, or join a collective contract (this only if you are part of a professional association which itself has taken out insurance for its members).
If you work in a nursery, family planning service or early childhood aid organization, you will automatically be insured by your employer.
The maternal assistant professional liability covers material or bodily damage suffered by the child in care, but also the damage caused by it. The childminder is considered responsible for any accident that may occur.
What are the guarantees of the RC Pro maternal assistant insurance?
Public liability
Main risks
Accidents suffered and caused by the child
Probability
Important
Comments
Damage caused by you, people in your household, furniture, etc.
Property damage insurance
Main risks
Material damage to your home (broken glasses, torn wallpaper, etc.)
Probability
Important
Comments
Little offered by insurers and yet very useful
Juridic protection
Main risks
Procedure initiated by a parent, non-compliance with the employment contract, tax adjustment, etc.
Probability
Medium
Comments
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