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recruitment agency insurance

Why you need specialist recruitment insurance

Specialist recruitment agencies can now cover everything from I.T. to oil and gas, and each sector has its own requirements. We offer over 35 years of experience dealing with recruitment agency insurance, providing for all types of recruiters and their unique insurance needs.

  • Our service
    As well as providing recruiters with insurance advice and wide-ranging insurance packages, we also offer a range of cost-effective insurance solutions for umbrella companies and freelancers.
  • Industry bodies
    We are proud to be associated with a number of well recognised industry bodies such as APSCO and TEAM, while also being the sole insurance broking provider to the REC.
  • Who we work with
    No matter the size of your recruitment agency, we provide an outstanding service to a great number of start-ups and small to medium sized recruiters as well as the larger businesses.

How our recruitment agency insurance team can help

With a selection of specialist recruitment insurance policies on offer we can ensure you are covered for all eventualities.

We don’t just provide you with market leading policies either. We take time to understand your business and give considered advice. Whether that’s on how best to mitigate risk, or bring attention to those risks you weren’t fully aware of, our aim is to ensure your business runs smoothly.

GET IN TOUCH WITH A RECRUITMENT AGENCY NSURANCE EXPERT

Need expert advice? Call the recruitment insurance team now, or complete our online form and we’ll call you.

Click here to request a callback 0161 228 0444

REC Members

As the appointed insurance broking partner of the REC and IMA, we are able to provide members with a unique recruitment agency insurance offering.

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Industry insights for the recruiter

The UK recruitment industry is facing it’s toughest challenge to date, with issues ranging from IR35 to the impact of Coronavirus. We take a look at these issues, offering advice, and insight to help your recruitment agency thrive.

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Recruiters choice

After spending many months researching and listening to what our clients really need, we created Recruiters Choice. Developed with leading insurer Hiscox, Director Peter Stoll, has stated that this policy “offers some of the widest cover within the sector, giving recruitment agencies the ‘best of breed’ in the insurance market.” This includes comprehensive liability and indemnity cover with additional extensions.

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Freelancers choice

Clients are increasingly insisting contractors carry their own insurance cover. In conjunction with Hiscox, we are able to offer a recruitment insurance package created exclusively for freelance contractors working via recruitment companies. This product can cater for a wide range of manual occupations.

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Umbrella scheme

We've also created a package of insurance designed especially for umbrella companies, called Umbrella Choice. This provides cover for accountancy/payroll and workers using their services. We can also provide insurance for CIS, single person limited companies and other self-employed contractors.

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Read the latest recruitment insurance articles

How to become a recruitment consultant

The number of recruitment consultants has been on the rise over recent years. So how do you go about joining the ranks of this fast-growing profession? Here are some points to take into consideration…

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IR35 - Changes to legislation and impact to recruiters

Recent changes to the IR35 legislation have been affecting freelancers,  hirers and recruiters working in the public sector, with quite an impact, but more changes are afoot which could heavily impact the private sector.

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Insurance traps that could cost your recruitment agency

As a people-focussed industry, recruitment agencies thrive from the ability to match up the right talent with the right jobs, keeping both candidates and employers happy. However, with the focus being on placements, it can be easy to forget about the fine print.

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Frequently asked questions

Q
If I only supply single-person limited company contractors or umbrella workers who have their own insurance, why do I need to get cover? 
A

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?
Q
What is a vicarious liability policy extension, and do I need it?
A
It is the extension of your policy to cover the actions of the worker you supply, as if the temporary worker was your employee. Usually the demand for this is created by the hirer’s non-standard terms and conditions. So, it is important to check with your broker that there is no contract liability exclusion, as without removing the exclusion it would rule out the extension of cover.
Q
Will my standard Insurance policy cover me for data breaches under GDPR?
A
Most likely the answer is no. You would usually require a separate, dedicated cyber liability policy for this. It would provide more relevant cover, and could also provide cover for other cyber risks including cyber extortion, cyber business interruption , and social engineering risks (fraudulent impersonation).
Q
If my client is insisting I provide cover for sub-contractors, or that they carry their own insurances, what can I do?
A
Firstly check the contractor has their own policy, that it is fit for purpose and that they maintain it for the duration of the contract. Secondly, ask for a copy of their schedule of insurance, and ensure it is renewed if it expires during the contract.
Q
Will my policy cover the high hazard activities of my temporary workers, such as offshore liability, rail safety critical, nuclear, aviation and petrochemical work?
A
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.
Q
When do I need to buy Drivers' Negligence Insurance?
A
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, or 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.
Q
Can I buy Drivers' Negligence Insurance as a standalone policy?
A
It can’t usually be purchased as a stand-alone cover. It is usually available as an extension to a Public Liability insurance policy.
Q
Does my insurance policy cover international placements for Employer's Liability, Public Liability and Professional Indemnity? 
A
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.

Feedback from our Recruitment clients

Recruitment insurance, Emma Rees, STR Group Ltd

Marsh Commercial work with us to respond to an ever-changing landscape, not only in the sectors in which we work but also in our industry as a whole.

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Recruitment insurance, Robert Scott, Rullion Limited

The knowledge demonstrated by the team at Marsh Commercial has been exemplary, providing us with excellent advice and value for money.

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Recruitment, Alan Gosnell, The Square Tech Group

Service was spot on, they took the pain of the insurance off my desk and dealt with it in a professional manner but with a human touch.

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