France - In France, which insurance policies should you check before having your child looked after?

Personal liability: what it covers and its limits

Personal liability cover protects against damage caused to third parties by you, your partner, your children, your pets and items in your care.

Your policy specifies the exclusions. These include damage you cause to yourself or your loved ones, intentional damage, damage caused by a dog that may be considered dangerous, and damage covered by another policy, such as motor or professional insurance.

If a nanny is employed in your home

A private employer is liable for damage caused by their employee at home. This rule applies to employed childcare at the parents’ home.

In addition to their personal liability insurance, a private employer may take out professional liability insurance to protect themselves against damage caused by their employee.

If your child is cared for by a childminder

A childminder must take out professional liability insurance.

In the employment contract concluded with the employer, check that the details of this insurance are stated.