Safety, security and trust for our customers – both parents and sitters – is of paramount importance to us. For this reason, we give every babysitter on bubble £1m public liability insurance as standard, for all of the sits they do on the bubble app.
The insurance covers babysitters for any accidental injury or damage they cause to a third party whilst on a sit.
Babysitters do not have to pay for this insurance, it’s an additional benefit to bring further peace of mind to the members of our community.
Below are some FAQs about how the insurance works.
Do I have to pay for this insurance?
No, babysitters on bubble get covered by this public liability insurance automatically when signing up to the bubble app. It is an advantage of babysitting via the platform.
Do I have to do anything to set it up?
No. You do not need to do anything in order to activate this insurance.
What am I covered for?
The policy covers you in the unlikely event that you cause accidental damage to a third party’s property or accidental injury to a third party, whilst on a bubble sit. That last bit is important; you are only covered by this insurance when carrying out a sit that has been booked and is ‘in progress’ on the bubble app.
How much am I insured for?
Any individual claim made against you (or a series of claims related to the same one incident) are covered up to a maximum liability of £1m.
Am I covered for injury or damage to me or my own property?
As is typically the case with third party public liability insurance, you are covered for injury and damage that you cause accidentally to someone else, not to yourself.
An accident occurred, how do I make a claim?
The babysitter is the policyholder and in the in the unlikely event of a claim arising, it is the policy holder’s responsibility to make a claim against their insurance. The insurance is provided by YuTree Insurance Ltd. To make a claim, you need to contact their claim handler via one of the following means:
What if I dispute the claim being made?
The Claim Handlers are experts at investigating claims made and determining whether a particular claim is valid. They will consider all the evidence and reports supplied by both parties before determining whether the claim should be successful. The important thing is that you report the incident quickly, and are responsive and accurate when discussing what occured.
What is “The Excess”?
The Excess is the amount that the insured party needs to pay toward any successful insurance claim that is made against them. It is a very common part of all types of insurance policies. Under this policy, the excess that a sitter, as the insured party, is subject to on a successful claim made against them is £250.
What if the damage caused has a value of less than £250?
In this case, you would not claim this against the insurance as the value is below the excess payable. In instances like these, sitters and parents should discuss it and come to an agreement on compensation directly.
What if I want to cancel the insurance?
The insurance is awarded automatically to all babysitters who are on the bubble app. The insurance will be terminated if you choose to close down your bubble profile.
Where can I see the policy document in full?
Please email firstname.lastname@example.org if you would like to receive a Certificate of Insurance.