Did you or the AP take out any form of insurance? I may be being totally naive or way out but say (s)he is on my property and falls and breaks a leg?... I would guess medical insurance is up to her/him but, say, 3rd party liability or something?
BTW I am in Poland and want to hire a short-term student or similar for the summer - mid July to end Aug. If anyone knows of someone like this would be grateful for contact. Am only interested in native English speakers as one of the aims is to give my DDs extra English exposure.