A Recruiter’s Guide to Vicarious Liability Insurance

As a recruiter, there's nothing better than getting a new client onboard. But what if they don't want to sign your terms and they send through a contract of their own?

These contracts may contain unforeseen risks that could leave your agency financially exposed, especially concerning vicarious liability.

Vicarious Liability (V/L) insurance extends your Professional Indemnity insurance, covering situations where you become liable by contract for the actions or mistakes (including errors or omissions) of your temporary workers. This specialist coverage isn't offered by all insurers, but with our expertise in recruitment and umbrella insurance, we can ensure you're protected.

V/L cover is useful to provide reassurance for:

• Contractual Requirements: Client contracts may mandate this coverage, leaving your agency exposed without it.
• Unforeseen Liabilities: Non-standard contractual terms can unexpectedly broaden your liability for worker actions.
• Financial Safeguards: Vicarious liability claims can be substantial. This insurance protects your business from financial hardship.

Worried about a client's contract? Unsure if your current insurance coverage is adequate? Let's discuss! We'll help you navigate these situations with confidence and ensure there is suitable protection in place for both you and your client.