A nanny in Hangzhou took her daughter, who was less than 2 years old, in the elevator and left her child behind. Then the elevator rose to the eighth floor of the middle floor, and the girl fell from the eighth floor soon after she got out of the elevator. Subsequently, the Hangzhou police have filed a case to investigate the case of nanny Wu Moumou suspected of negligent death.

This is a sad thing, because the nanny's fault led to the death of the employer's child. As a commercial insurance practitioner, I don't discuss the responsibility of property here, but only the role that insurance can play in this process.

It's just a pity that insurance can't prevent things from happening in advance, but can only play the role of money compensation afterwards. For example, in this case, insurance cannot hinder the nanny's fault, but it can compensate the child's family financially after the child dies because of this fault.

This kind of insurance is called liability insurance for domestic servants:

The insured is a nanny, cleaning and other domestic service personnel, which can be purchased by the employer for the domestic workers, by the domestic workers themselves, or by the domestic company for the domestic workers. The premium is very cheap, and the basic insurance amount of 500,000 yuan is only 88 yuan next year; Insurance amount 1 annual premium of ten thousand yuan 158 yuan, monthly purchase is supported, and monthly premium is 20 yuan. (The effective date of monthly purchase is T+3, and the insurance will take effect three days after purchase; Annual purchase, effective date T+5).

The specific guarantee situation is shown in the following figure:

[If! Support list ]l? [endif] Property loss of the employer's family or injury of the employer's family members due to the responsibility of the domestic worker.

[If! supportLists] 1。 ? [endif] If the family members of the employer are killed or disabled due to the responsibility of the domestic workers, or medical expenses such as outpatient service and hospitalization are caused, the insurance company may also pay compensation. For example, after the accident of the death of a 2-year-old girl in this case was confirmed by the police to be the responsibility of the nanny, the insurance company could compensate the insured amount of 654.38+00,000.

[If! Support list ]2. ? [endif] If the responsibility of domestic workers causes great property losses to the family of the employer, if a fire is accidentally caused, compensation can be made according to the actual losses, with a maximum compensation of 6,543.8+0,000.

[If! Support list ]3. ? [endif] If the property loss of the employer's family is caused by the responsibility of the domestic workers, the insurance company can also make compensation after deducting the deductible, with a maximum compensation of 20,000 yuan.

[If! Support list ]4. ? [endif] If a domestic worker is sued for an insurance accident, he can also pay compensation for legal expenses.

[If! Support list ]l? [endif] Medical expenses and compensation for domestic workers when they are injured (including during work and on the way to and from work)

[If! supportLists] 1。 ? [endif] When domestic workers are engaged in work, they are disabled due to accidents, such as falling down stairs, resulting in grade 9 disability, or traffic accidents on their way to and from work, resulting in death. At this time, the insurance company can make compensation.

[If! Support list ]2. ? [endif] The domestic worker fell and went to the clinic, or did not cause any disability after the traffic accident, but was hospitalized for several days and spent a lot of money. This medical expense can also be reimbursed by the insurance company.

[If! Support list ]l? [endif] I also have to talk about projects that don't make money, such as

[If! supportLists] 1。 ? [endif] The contents for which the employer's family property losses are not compensated include: losses of cash, gold and silver, jewelry, jewelry, negotiable securities, tickets, antiques, documents, account books, technical materials, charts, livestock, flowers, trees, pets and other properties with difficult appraisal value.

[If! Support list ]2. ? [endif] Deliberate losses caused by property owned by domestic servants and the insured.

[If! Support list ]3. ? [endif] Any form of compensation for indirect losses and mental damages.