Do you go down this route in the end?

We are employing a nanny at present and our insurance broker seems to be happy to do all of the legwork/paperwork (free of charge). It may be because he is a friendly guy but I am assuming its because he is picking up the premiums too.

On that note what do people think about sick pay insurance. The broker is suggesting its a no-brainer because the employer has a responsibility to continue paying if the nanny goes sick - but I guess the devil is in the detail (and price). ie do you have to pay sick pay indefinately or for a maximum period? Does sick pay only kick in after x days and with a doctors note? How much does the insurance cover when you are paying the nanny by the hour and with flexible hours per month (although realistically with a minimum 50-60 p/m)?

Anyone with experience of this?