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Specialist insurance for recruitment agencies and consultants

Join our community of recruiters who get comprehensive cover at a competitive price.

We find you the right level of insurance cover for a range of risks and liabilities that your recruitment agency may face in your day-to-day operations.

We make it our business to help protect you, so insurance is one less thing to worry about. And, because we believe ‘one size doesn’t fit all’, we designed ‘Recruiters Choice’, cover that’s tailored specifically for the needs of recruiters.

Recruiters Choice includes a whole host of covers and benefits and if you are a REC member you will also get a 10% discount.*

Get recruitment insurance cover now

Get covered in minutes via our online quote and buy specifically designed for businesses with a turnover of less than £5 million. If your recruitment business has a larger turnover or you would just like to talk with a member of our friendly team - don’t worry we’re only a phone call away.

Why choose Marsh Commercial?

We’ve been providing insurance solutions for recruiters for over 40 years, so we understand all too well the challenges and insurance risks you face within the recruitment sector.

Whether you’re a start-up recruitment business or a large multinational, we have the recruitment insurance expertise, advice and solutions to help protect your business and manage the risks you face.

‘Recruiters Choice’ is insurance that’s tailored for risks frequently faced by recruiters.

  • Recruiters Choice ‒ a recruitment sector specific insurance product designed to ensure your recruitment agency is covered for today’s evolving risks. It offers recruiters wide ranging cover and protection, which encompasses comprehensive liability and indemnity cover with some handy additional extensions.
  • Freelancers Choice - designed exclusively for contractors working via recruitment companies who need to arrange insurance cover.
  • Umbrella Choice - an insurance solution specifically designed for umbrella companies offering accountancy and payroll services.

We make it our business to help protect you, so insurance is one less thing to worry about. Our aim is to provide you with flexible insurance cover, complemented with a range of additional benefits at no extra cost.

Get recruitment insurance cover now

Get covered in minutes via our online quote and buy specifically designed for businesses with a turnover of less than £5 million. If your recruitment business has a larger turnover or you would just like to talk with a member of our friendly team - don’t worry we’re only a phone call away.

Recruiters Choice insurance covers

Our aim is to provide you with flexible insurance cover, complemented with a range of additional benefits at no extra cost.

Recruiters Choice offers a range of covers, including but not limited to:

Standard covers**

  • Employers liability cover - £10 million limit of indemnity.
  • Professional liability – cover up to £10 million.
  • Public liability - cover up to £10 million.
  • Cyber and data cover relating to data recovery costs, cyber extortion, privacy protection and media liability up to £250,000.** 
  • Directors and officers liability and corporate legal liability cover for £100,000.** 
  • No contractual liability exclusion except for liability assumed under contract for professional negligence of a supplied worker. Please speak to an adviser who can arrange this additional cover.
  • Crisis containment PR costs covered, should you need to manage adverse publicity.
  • All types of worker - your business will be covered for temporary workers, PAYE, zero hours, self-employed.

Optional covers

  • Increase Directors and officers liability and corporate legal liability up to £2 million.
  • Employment Practices liability cover for claims made by employees for a breach of employment law including claims of sexual harassment, discrimination and wrongful termination.
  • Crime extensions cover for claims made against you arising from dishonest acts of employees or workers supplied by you.
  • Contractual vicarious liability cover for liability you have assumed under contract for the negligence of supplied workers.
  • Safeguarding cover up to £1 million for claims arising from allegations that workers you have supplied have committed acts of physical, sexual or mental abuse.
  • Medical malpractice liability cover for claims relating to medical or veterinary treatment, diagnosis or prescription by workers supplied by you.
  • High hazard cover for activities including oil and gas, offshore, safety critical rail work and nuclear.
  • Property damage cover for damage to your own contents and computer equipment as a result of fire, theft, flood and other insured perils.
  • Business interruption cover for loss of income as a direct result of damage to insured property. Cover is also available for increased costs of working as a result of insured damage.
  • Legal expenses cover legal costs for contract disputes, debt recovery, statutory licence appeal and personal injury.
  • Drivers’ negligence including cover for young and inexperienced drivers over 18 years of age.

Get recruitment insurance cover now

Get covered in minutes via our online quote and buy specifically designed for businesses with a turnover of less than £5 million. If your recruitment business has a larger turnover or you would just like to talk with a member of our friendly team - don’t worry we’re only a phone call away.

*Included as standard, providing the insurer's criteria has been met, and when you purchase either public liability or professional indemnity cover and for companies whose turnover does not exceed £25 million.

**As with all insurance, standard terms and conditions apply. Please contact us for full details.

Frequently asked questions

Employers liability insurance: It’s a legal requirement for recruitment agencies with one or more employees to possess employers liability insurance. This cover helps protect your business by covering the costs in case an employee is injured or falls ill while working for your agency.

Public liability insurance: In the event a member of the public sustains bodily injury, death, or experiences property loss or damage, your business could be held legally responsible for any resulting claims. Public liability insurance financially safeguards your agency in these situations.

Professional indemnity insurance: We strongly recommend that recruitment agencies offering direct services or providing advice to clients take out professional indemnity insurance. This type of cover assists in covering the costs associated with claims for breach of duty, errors, omissions, or negligent advice that may result in financial losses for your clients.

Usually when Class I HGV drivers are supplied and the hirer requests you to have the cover. However, it does not cover road risks required by law. These are still the responsibility of the legal owner or registered keeper of the vehicle under their normal motor cover drivers' negligence insurance cover is limited to a specific amount eg. £10,000 per claim, and subject to a limit of £50,000 in the year. The cover could be affected by the age, experience, or convictions of the driver, so it is vital such details are investigated before the driver is supplied. Remember it is not essential to cover every driver on your books, only those supplied on contracts requiring drivers' negligence cover. Employer's liability usually provides cover for UK nationals, applicable under UK law. For non-UK nationals, they can be covered under the policy dependent on their duration of stay in the UK. UK nationals working overseas are covered by their UK policy.

If you’re starting a recruitment agency from home, there’re a couple of other things to consider when it comes to your recruitment agency insurance arrangements:

  • When operating your business from home you’ll need to let your home insurer know, as this is considered a ‘material fact’ and will need to be disclosed. You may otherwise run the risk of invalidating your home insurance.
  • If you’re operating your business using a personal computer which is not ‘company owned’, you’ll need to make sure it’s covered by your home insurance.
Some policies specifically exclude these types of risks, so you need to ask insurers to extend the cover, which will usually be an additional cost. As your company name is on the contract with the hirer, the hirer will likely pursue you in the first instance when there is a negligent act, error or omission by the contractor you supplied that costs the hirer money. Furthermore, can you be certain that the contractor has bought adequate insurance cover for themselves? For instance, have they
  • paid their premium?
  • renewed their policy?
  • got an adequate indemnity limit on their policy?
  • where required, extended their cover for off-shore work, rail or drivers' negligence?
  • not cancelled their policy after commencement of the assignment?