The neighbour’s window is broken or there is some scribbling on the wall in your rental accommodation – small mishaps can quickly happen. But don’t worry, children are covered by their parents’ personal liability insurance. This includes any losses that occur when friends or grandparents are minding the children, for example.
If, on the other hand, your child causes a loss at the daycare centre, it is usually the daycare centre that is liable, as it is responsible for minding the child.