I'm about to start employing a nanny for just 4.5 hours a week, paying £8 per hour, so well below the threshold for NI and PAYE. She's a student, and doesn't currently have any other jobs, so according to this HMRC page, and for good measure this HMRC page too, I don't need to formally register as an employer. (I'm intending to write into the contract that she must let me know if she takes on any other paid work, as I know I would then need to register).
My first question is, if I'm not registered with HMRC as an employer, can I still call myself an employer in the contract, or should I call myself something else?
Also, would she be counted as an employee, or a visitor, or something else for home-insurance purposes? Will I be caught between a rock and a hard place where she isn't covered by my standard home insurance because I am employing her, but I can't get employer's liability insurance because I'm not formally registered as an employer. [Ok, so I probably need to look at the small print of the insurance policies for the answers, but if anyone has experience of this in the meantime, please shout up].