Caregivers and babysitters come in all shapes and sizes. They may be professional caregivers that you find through a nationwide agency like Care.com or through a referral from a friend. The babysitter also might be a family member, such as a grandparent, aunt, or sibling, or the teenager next door. But whoever they are or however you find them, all caregivers need to be trained on basic safety.

Caregivers you find through an agency are usually trained in basic CPR and transportation safety rules — making sure children are buckled up and riding in appropriate car seats for example. But they don't know your home or the unique safety issues your family may face, whether you live in a high-rise apartment in a major city or a one-family home in the suburbs.

Independent insurance agents who have high-net-worth clients may want to add these safety tips to the guidance they provide on hiring help, like full-time nannies.