Individual Employers must have Employer’s Liability Insurance to ensure both you and your Personal Assistants are protected in the event of an accident or incident.

The details of your insurance policy may vary between companies, but it generally includes three main components:
- Employer’s Liability
- Public Liability
- Legal Expenses

Employer’s Liability Insurance and/or Public Liability Insurance is crucial. As an Employer, you are legally required to have insurance to cover accidents or injuries to your staff, as well as accidents or injuries they may cause while working for you.

Employer’s Liability Insurance protects you if your Personal Assistant(s) file a compensation claim due to injury or illness caused by their work.

Public Liability Insurance covers you if anyone else makes a compensation claim for injury or property damage caused by you or your personal assistant(s).

If you receive a Direct Payment or Personal Health Budget, you should confirm that your Local Authority or the organisation providing your Personal Health Budget has included Employer’s Liability Insurance in the amount they provide.