Does the employer have to take out insurance for me?

Private household help
No, the household does not have to take out accident insurance for you. This is already included in the purchase price of a service cheque. 

Self-employed domestic helpers and cleaning companies
If you are self-employed as a domestic helper (with the appropriate business licence) or have a cleaning company, the household does not have to take out insurance for you. You are responsible for this yourself. If self-employment is confirmed, no accident insurance is required on the part of the household.