Hi
Followed the questions re sitter liability but still not totally clear on what the sitter can do to protect themselves. I’m in a slightly fluid housing situation right now but will be a tenant with contents insurance at least. How do I protect myself even just a little - is public liability insurance a good idea for free sits? I know you can get it for not for profit ventures… I do plan on also doing paid sits ( not on this platform) but it would be good to know. Have read the conversations but I am still not totally clear. Thanks
I’m not 100% but usually owners should have public liability insurance included in their house insurance, I certainly have. There was a sitter on here (I think she’s left) who took out her own insurance for when she’s sitting. I just have travel insurance for when I’m travelling/housesitting abroad. Do a search on the forum and see what crops up, if you haven’t already, but no doubt a more knowledgeable member than me will comment here.
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In the US the use of “umbrella insurance” is somewhat common. This typically requires underlying insurance on autos and property and offers legal defense and loss protection at a higher level than the underlying policies while also covering additional risks that the underlying policies do not. Not sure if that approach is used elsewhere … the US being more litigious than many other places. Stay safe!
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Has anyone had a sitter become injured while on a sit? If so, how was the insurance situation handled? Was the sitter covered under THS public liability insurance or was the host insurance “charged” for medical bills etc? I am considering allowing the sitter to use my gym, but am concerned about the ramifications should they get injured while using my equipment.