Cohousing-L Mailing List: RE: paying babysitters and liability

[TR Ruddick (truddick]

> Date: Sun, 14 Sep 03 22:23:37 -0800
> From: Lynn Nadeau <welcome [at] olympus.net>
 
> Lynn here. I didn't make our concern clear. We are not worried about 
> "nanny" laws or unpaid taxes, but about liability suits in the case of 
> injury. Sitter breaks his back while subduing freaked out child, or is 
> tripped by a chair in the kid room, etc. If he were simply a visitor 
> wandering through RoseWind, and broke his leg in a hole on the commons, 
> it would be paid by our general liability coverage. But such coverage is 
> void if the person is there for pay.

Thanks for the clarification--makes sense now.

I'm guessing that you'll want to check with your liability insurer and
arrange to have coverage, if your policy currently doesn't make exception
for the types of work-for-hire that people commonly take on in their own
homes (which would include child care, lawn care, other odd jobs).

TR Ruddick
Dayton Cohousing.



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