Neighbor occasionally baby sits in her own home. She has homeowners Insurance. I often wonder if the child got hurt under her care, would the insurance cover it. Or is there a separate policy she should get.

Yes, she probably should have more lliability insurance if she hasn't got it written into your policy. Does her babysitting business bother you in any way?

That is good to know. She only baby sits once a month Thanks

Babysitting once a month, no. She doesn't need any more insurance. Now, if she were running a daycare in her home that would be different.

I have to ask though, what is that any of your business? Did she ask you for advice? Is that why you are asking us?

Yes she asked my advice. And I was unsure about the procedure
Your fine advice is most reassuring

Is the neighbor PAID to babysit?

She should run the question and the circumstances past her insurance agent. If a child is injured and pay is involved the homeowners company could very well disallow the claim.

Your idea of "occasionally" may not be mine - and I do get called on to investigate these claims.

I agree with J9 - probably not, but I wouldn't take a chance.

Very Good Advice. Gets paid .50 cents an hour

Gets paid .50 cents an hour

Really? Seems like someone is in a time warp and thinks it's the 1970's. Could it be that the baby sitter is actually a young teenager?

Very old person 80. Need any kind of help to eat. Women lives alone.
But in good health.

Oh, so we thought you meant babysitting kids. Entirely different story carying for a senior. Why didn't you say so in the first place; it has changed the perspective.

I can't tell if the babysitter is in her 80's or the person being watched is in her 80's.

One piece of good advice you can give your neighbor is to charge a minimum of $2 hour.
I have a feeling your neighbor is the one who is 80 and needs to eat? Goodness.
If I had kids and lived next to her my kids would be there 5 hours a day.
Just think, even if she gets 1/4 as much sitting jobs, she still makes the same amount.

I think it's clear that the babysitter is an 80-year old lady being paid $0.50/hour by someone to watch a child. And as such she should talk to her insurance company about liability coverage, because most homeowner's policies exclude coverage for any business activity, including baby sitting for a fee (even if only $0.50/hour). Otherwise if the kid fell down the stairs and broke his arm the woman could be in a heap of financial trouble.

No it is the senior that babysits the 3 year old. She may be 80 years old. But is sharp as a pin.

I guess Tick and I didn't think it was apparent - at any rate I wouldn't ask the insurance company.

I would ask the agent.

Thanks