Recruitment Agency Insurance You Can Trust

Insurance needs for recruitment agencies aren’t one-size-fits-all. They depend heavily on your company size, structure, and operations.

While essentials like public liability and employers’ liability are a must in this sector, additional coverage depends on your business terms. Professional indemnity insurance, protecting you from negligence claims, is crucial. Beyond these core needs, a thorough risk assessment ensures you have the right coverage for your agency.

Unsure what you need? Our team can guide you through the process, ensuring your agency is comprehensively protected.

Professional indemnity insurance safeguards your business from costly legal claims arising from professional negligence. This includes situations where a client might sue you for:

• Offering inaccurate or misleading advice
• Failing to conduct necessary background checks on potential hires
• Accidentally breaching client confidentiality

The policy can also extend to cover claims for defamation or intellectual property violations.

Even the most meticulous professionals can make unintentional mistakes. Professional indemnity insurance provides peace of mind, ensuring your business isn’t left financially vulnerable in the event of an error.

Professional Indemnity insurance protects you for claims arising from your work, but there’s a crucial distinction to understand.

• Retroactive cover: This extends your policy’s protection to claims arising from work done before you started the policy, as long as the claim is made during the policy period. Be sure to provide your chosen retroactive date when obtaining your policy.
• Claims made basis: This means your insurance will only cover claims made while your policy is active, regardless of when the actual work was carried out.

Public liability, general liability, and third-party liability insurance all refer to the same essential coverage. This insurance safeguards your business against two common risks:

• Property damage: If a customer, visitor, or passerby suffers property damage due to your business activities, your insurance covers this.
• Physical injury: The policy extends protection if a third-party sustains bodily harm on your premises or as a result of your work.

Accidents happen, even in the most attentive workplaces. A slip, trip, or mishap can lead to costly claims. Public liability insurance provides peace of mind, ensuring your business isn’t left financially vulnerable in the event of a third-party claim.

Protect your clients and your business with Drivers’ Negligence Insurance. This specialised cover safeguards you from financial responsibility for repairs to an end client’s vehicle, should it be damaged due to the negligence of a driver you have  supplied.

Here’s why it matters:

• Client satisfaction: Prevents minor repair claims impacting a client’s insurance premiums, maintaining a positive relationship.
• Growing demand: More clients are requesting this coverage, ensuring you meet their evolving needs.

Important to note: Drivers’ Negligence Insurance is specific to damage to the client’s vehicle and does not extend to third-party property or injuries.

Vicarious Liability Insurance is an add-on that extends your professional indemnity cover, safeguarding you against negligent acts by workers you supply to clients.

Why it matters:

• Contractual obligations: Some client contracts require this coverage, leaving you exposed without it.
• Expanded liability: Non-standard terms can unexpectedly extend your liability for worker actions.

Vicarious liability claims can be costly. Don’t leave your business vulnerable. Talk to our team today to understand your specific needs and secure the right protection.