[pastor1189]

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.

[tickle]

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?

[pastor1189]

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

[J_9]

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?

[pastor1189]

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

[JudyKayTee]

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.

[pastor1189]

Very Good Advice. Gets paid .50 cents an hour

[ebaines]

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?

[pastor1189]

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

[tickle]

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.

[JudyKayTee]

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

[joypulv]

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.

[ebaines]

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.

[pastor1189]

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

[JudyKayTee]

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.

[pastor1189]

Thanks