Kingsbridge Recruitment Insurance is a specialist in our field, having provided comprehensive policies tailored to the needs of recruitment agencies and umbrella companies for several years.
Forget one-size-fits-all – we’re all about recruitment and umbrella insurance, because that’s our sole mission. Our policies go beyond the basics (employers’ and public liability) to cover the unique needs of your business. We can include additional extensions to your insurance package to ensure comprehensive coverage. This can include the vicarious liability extension to your professional indemnity cover, through to extending your Public Liability coverage to provide protection against drivers’ negligence.
We also join forces with Kingsbridge (our sister company specialising in contractor and freelancer insurance) to offer a seamless suite of solutions for businesses of all sizes.
To see the difference that Kingsbridge Recruitment Insurance can make for your business, get a quote online or speak to our team today.
Our comprehensive cover
Our recruitment and umbrella insurance policies are underwritten by our global partner, Zurich Insurance, and can include the following benefits:
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Professional Indemnity
Professional Indemnity
Professional indemnity protects you against professional negligence claims made by clients during the course of business. Claims examples include offering poor advice, failure to carry out relevant employment checks, or accidentally disclosing a client’s private data. Claims may also be bought for defamation or breach of copyright or confidentiality.
Mistakes can arise at any time, so professional indemnity policies can protect you from the financial implications arising from these errors, including legal defence costs and any damages awards to the claimant.
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Public Liability
Public Liability
Public liability insurance, also known as general or third-party liability insurance, safeguards against common risks encountered in daily operations: damage to customer or public property and bodily injury to customers, visitors, or passers-by.
You may be liable if an injury or property damage occurs due to your business activities. Despite taking precautions, accidents can happen, often leading to legal repercussions. In such cases, your public liability insurance covers damages, compensation, and legal expenses arising from the incident.
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Employers' Liability
Employers' Liability
Many recruitment agencies and umbrella companies will need employers’ liability insurance, as it is a legal obligation for companies with employees to provide this cover in case of work-related injuries (with limited exceptions). This obligation extends to family members or spouses employed in administrative or clerical roles.
Clients of your company will often specify minimum levels of employers’ liability insurance, alongside requirements for public liability and professional indemnity coverage, so it’s important to have an acceptable level of cover in place.
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Management liability
Management liability
As a company director or senior manager, you may be held personally liable for actions undertaken by your business, including (but not limited to) financial mismanagement or grievances. If someone believes you’ve violated regulations, they can pursue legal action against you. Management liability insurance (sometimes referred to as directors’ and officers’ liability insurance or D&O cover) safeguards your financial assets by covering legal defence expenses.
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Vicarious liability extension
Vicarious liability extension
Vicarious liability insurance extends your professional indemnity cover to protect against negligent acts by workers supplied to the end client. You may need this dependent on your contract with the client. Non-standard business terms, whether from your client or an amendment to your contract, could make you liable for the worker’s actions, risking claims against you.
Understanding your liability and obtaining appropriate cover is crucial. If you have questions or concerns about vicarious liability, speak to our team.