Insurance
If you use direct payments to employ a personal assistant you will need to have insurance to protect you as an employer. It is important that you have insurance in place before your personal assistant starts work.
- You need employer’s liability insurance in case your personal assistant is injured whilst helping you because you may have to pay compensation.
- You need public liability insurance in case your personal assistant causes an injury to someone or damages their property whilst they are working for you because you may have to pay compensation.
It is up to you what insurance company you use. The council can give you information on companies who have policies designed for people employing personal assistants.