Specialist commercial insurance for recruitment agencies, employment businesses and recruitment consultants.From professional advice and client relationships to employees, temporary workers, cyber risks and liability, we can help you consider the insurance your recruitment business needs.
Recruitment agency insurance is commercial insurance designed around the risks faced by businesses that introduce, recruit or supply people to clients.
Recruitment businesses can have a combination of professional, contractual, employment, liability, cyber and business interruption risks. The insurance requirements will depend on the services you provide, the sectors you recruit for, your employees and whether you supply temporary or permanent workers.
A recruitment agency may therefore need to consider several different types of insurance rather than relying on a single policy.
Recruitment businesses can face professional, employment, contractual, cyber and liability risks. Depending on your activities and circumstances, several different areas of commercial insurance may need to be considered.
Recruitment agencies provide professional services to clients and candidates. Professional indemnity insurance may provide protection against certain claims alleging professional negligence, errors or omissions in the services provided.
Recruitment agency professional indemnityPublic liability insurance may be relevant where clients, candidates, visitors or other third parties interact with your business or premises and allege injury or property damage.
Recruitment agency liability insuranceRecruitment businesses employing consultants, administrators or other staff generally need to consider employers' liability insurance, subject to the requirements and exemptions applicable to the business.
Recruitment agency employers' liabilityRecruitment agencies routinely handle personal information belonging to candidates, employees and clients. Cyber insurance may help address certain risks arising from data breaches, cyber incidents and related events.
Recruitment agency cyber insuranceAn insured event affecting your premises or other insured property could interrupt your recruitment operation. Business interruption cover may help address certain financial losses following an insured interruption.
Recruitment business interruptionRecruitment businesses can encounter a range of legal disputes involving employees, clients, contracts or other business matters. Legal expenses insurance may provide cover for certain insured legal costs.
Recruitment agency legal expensesRecruitment agencies may have offices, computers, furniture, equipment and other business assets that need to be considered within the overall insurance programme.
Recruitment office insuranceAgencies supplying temporary or contract workers can have additional insurance considerations depending on where workers are placed, the work they perform and the contractual arrangements involved.
Temporary staffing insuranceDirectors and senior managers can face allegations relating to decisions made in their management roles. Depending on the business, directors' and officers' liability insurance may be worth considering.
Recruitment directors insuranceRecruitment businesses operate across almost every sector, from specialist executive search to temporary staffing and high-volume employment agencies.The insurance requirements can vary significantly depending on the services you provide.
Agencies recruiting permanent employees for client businesses can face professional, contractual, liability and data-related risks.
Recruitment agency insuranceEmployment agencies can have insurance requirements linked to their recruitment activities, employees, clients, candidates and contractual arrangements.
Employment agency insuranceAgencies supplying temporary or contract workers can face additional considerations depending on the roles, workplaces and contractual arrangements involved.
Temporary staffing insuranceExecutive search and headhunting businesses provide specialist recruitment services and may have significant professional and contractual exposures.
Executive search insuranceRecruitment consultancies operating in areas such as IT, finance, engineering, healthcare, construction or other specialist sectors can have industry-specific exposures.
Specialist recruitment insuranceIndividual recruitment consultants and smaller recruitment businesses may require cover appropriate to their professional services, clients and working arrangements.
Recruitment consultant insuranceBusinesses arranging contract placements can have different risks from agencies dealing solely with permanent recruitment.
Contract recruitment insuranceRecruitment companies operating across international markets may have additional considerations involving clients, candidates, contracts and overseas activities.
International recruitment insuranceIf your recruitment business doesn't fit neatly into one of these categories, we can still consider the activities and risks involved in your operation.
Recruitment business insuranceRecruitment businesses can face risks that are different from many other office-based businesses. Professional advice, candidate information, employment relationships, contracts and client expectations can all create potential exposures.
Recruitment agencies provide services to clients and candidates. An allegation that advice, information or services were provided incorrectly could create a professional liability exposure.
Recruitment businesses work between clients and candidates, sometimes involving complex expectations around roles, placements, contracts and recruitment processes.
Recruitment agencies can hold substantial amounts of personal information, including candidate CVs, contact details and employment information.
Recruitment businesses employ consultants, administrators and other staff, while some also supply temporary workers to client businesses.
Agencies supplying temporary or contract workers can face additional considerations depending on the work undertaken, workplace and contractual responsibilities.
Recruitment agencies often operate under contracts with clients and may be subject to specific insurance requirements, warranties or indemnities.
Recruitment consultants, candidates, clients, visitors and contractors may interact with the business or its premises.
A significant insured event affecting an office or other insured property could interrupt recruitment operations and affect normal trading.
Recruitment businesses rely heavily on relationships with clients and candidates. A serious incident or dispute can potentially affect confidence in the business.
These are examples of potential risks rather than confirmation that a particular event will be insured. The availability of cover depends on the individual circumstances and the terms, conditions, limits and exclusions of the policy arranged.
Some risks faced by recruitment businesses need more specialist consideration than standard commercial insurance.Depending on your activities, these areas may form part of a wider recruitment agency insurance programme.
Professional indemnity is particularly relevant to recruitment businesses because the service provided to clients can involve professional judgement, advice, candidate information and contractual obligations.It may respond to certain claims alleging professional negligence, errors or omissions.
Recruitment professional indemnity insuranceRecruitment agencies can hold large volumes of candidate and client data and rely heavily on digital systems.Cyber insurance may provide protection for certain insured cyber incidents, subject to the policy wording and conditions.
Recruitment agency cyber insuranceRecruitment companies employ consultants and support staff, while some businesses also supply temporary workers.Employment-related disputes can create legal costs and other financial exposures.
Recruitment employment insuranceLegal expenses insurance can provide cover for certain insured disputes and associated legal costs.This can be relevant to recruitment businesses dealing with employment, contractual and other commercial disputes.
Recruitment agency legal expenses insuranceDirectors and senior managers can face allegations arising from decisions made in their management roles.Directors' and officers' liability insurance may be considered by recruitment companies depending on their structure and exposures.
Recruitment directors insuranceRecruitment businesses depend on their people, offices and technology to continue operating.Business interruption insurance may help address certain financial losses following an insured event affecting insured property.
Recruitment business interruption insuranceRecruitment businesses can have a mixture of professional, employment, contractual, cyber and liability exposures.We can discuss how your recruitment business operates and consider the areas of commercial insurance that may be relevant to you.
Permanent recruitment, temporary staffing, executive search and specialist recruitment can all have different insurance requirements.
Professional indemnity, liability, cyber, employment and contractual risks can all form part of the discussion.
Our focus is commercial insurance for businesses, helping you consider cover appropriate to your circumstances.
Your insurance should reflect what your recruitment business actually does, rather than simply its industry label.
Tell us about your recruitment business. Whether you recruit permanent staff, supply temporary workers, provide executive search services or operate a specialist recruitment consultancy, we can discuss your individual insurance requirements.
Answers to some of the common questions recruitment agencies, employment businesses and recruitment consultants ask about commercial insurance.
The insurance a recruitment agency needs depends on the services it provides and its individual circumstances.Covers that may need to be considered include professional indemnity, public liability, employers' liability, cyber insurance, business interruption and legal expenses insurance.Recruitment agencies supplying temporary workers may have additional considerations.
Professional indemnity insurance can be particularly relevant to recruitment businesses because they provide professional services to clients.It may provide cover for certain claims alleging professional negligence, errors or omissions, subject to the policy terms, conditions and exclusions.Some client contracts may also require recruitment businesses to hold professional indemnity insurance.
Public liability insurance may be relevant where clients, candidates, visitors, contractors or other third parties interact with the recruitment business and allege injury or property damage.The appropriate level of cover depends on the circumstances and activities of the individual business.
Businesses that employ people generally need employers' liability insurance under UK law, subject to specific exemptions.Recruitment agencies should consider both their own employees and, where applicable, the arrangements surrounding temporary or contract workers they supply.
Temporary staffing agencies can have additional insurance considerations because they supply workers to other businesses.Depending on the roles and contractual arrangements, the business may need to consider employers' liability, public liability, professional indemnity, cyber insurance and other commercial covers.The work carried out by temporary workers is particularly important when arranging appropriate insurance.
Cyber insurance can be considered by recruitment agencies because they often store and process personal information relating to candidates, employees and clients.Depending on the policy, cyber insurance may provide cover for certain insured cyber incidents, data breaches and associated costs.
Professional indemnity insurance for recruitment consultants is designed to address certain claims arising from the professional services they provide.For example, an allegation may involve an error, omission or negligent act in the recruitment service provided to a client.Cover is subject to the individual policy wording.
This depends on the type of recruitment business, the role of the agency and the contractual arrangements involved.Businesses supplying temporary workers should make sure insurers have accurate information about the work being carried out and the responsibilities of the agency and client.
There is no standard price for recruitment agency insurance.Premiums can be influenced by factors including turnover, the type of recruitment services provided, the sectors and roles involved, number of employees, temporary workers supplied, claims history, required limits and contractual requirements.A quotation requires information about the individual business.
Recruitment agencies are sometimes required by clients to hold particular insurance covers or minimum levels of indemnity.If you have a client contract specifying insurance requirements, those requirements should be discussed when arranging your insurance so the available cover can be considered against the contractual requirements.
Recruitment businesses can operate across many sectors, including IT, engineering, finance, construction, healthcare and professional services.The insurance requirements can vary depending on the roles being recruited for and the services provided, so these details should be discussed when arranging cover.
Tell us about your recruitment activities, the services you provide and the people you employ or supply.We can then discuss the commercial insurance requirements that may be relevant to your individual business.
Complete the form below and a member of our commercial insurance team will be in touch.
Insurance cover is subject to the terms, conditions, limits and exclusions of the policy arranged. The information provided on this page is intended as a general guide and does not constitute advice.
