I have a mom that works for me three mornings a week. She is amazing. It allows me to take three children out for a fieldtrip and to a weekly playgroup while she watches the other two and completes our regular routine with them while we are out.
It is someone that I know and trust.......I never thought about liability issues though. I have Daycare insurance and now I will be making a call to them to make sure I am covered to do this as well. I pay her $12/ hour for three hours three days a week (so nine hours a week in total)