If you are employing a personal assistant or using a micro-enterprise to provide your direct payment care and support to you, you should make sure suitable insurance is in place. 

Insurance types

Public liability insurance can cover bodily injury or property damage to a third party (such as a care worker) while care is taking place. 

Employers' liability insurance can cover compensation payments and legal costs if an employee sues their employer or ex-employer for a work-related illness or injury. 

Whose responsibility is to it take out insurance? 

If you are employing a personal assistant, it is your responsibility to have employers' liability insurance, and public liability insurance in place. 

If you are using a micro-enterprise, it is the micro-enterprise’s responsibility to have employers' liability insurance and public liability insurance in place.

You can request to view their insurance certificates to check that it is valid and in date.