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Employers’ liability insurance will provide compensation for injuries or illness caused on or off site (where an individual’s employment is usually based). Any illness or injuries relating to motor accidents which occur as a result of an individual’s employment may be covered by employers’ liability insurance rather than through their motor insurance. It is best to check the policy to see what is covered.
Employer liability insurance would not cover instances where an employee felt they were unfairly treated in the workplace or dismissed and took their employer to an employment tribunal. In this instance the PA employer may have to cover the costs.
Pas will only be protected by employers’ liability insurance if they are an employee. Self employed people need to arrange their own cover.
Public Liability Insurance
Public liability insurance covers employers for claims made against them by members of the public or other businesses, but not for claims by employees. For example, if a PA was assisting their employer to get out of the car and accidentally damaged the car next to them, the insurance should cover the incident.
Public liability insurance is generally voluntary, whereas employers’ liability insurance is compulsory. An employer could be fined if they do not hold an up to date employers’ liability insurance policy.
PA employers may require public liability insurance if their PA work involves interaction with the general public. It also covers legal fees, costs and expenses such as a court hearing because of an accident.
Some policies which are specifically aimed at personal assistant employers incorporate both employer liability insurance and public liability insurance. It is important to always check with the insurer as to what cover a policy includes.
