Types of cover

Your protection explained

Here, we break down the essentials of each policy, providing clarity and insight into how they safeguard your business, support your workforce, and ensure compliance with industry standards. Explore the array of specialised covers designed to protect, empower, and provide peace of mind in the dynamic world of recruitment and payroll services.




Pension Contributions
Professional Indemnity Insurance Professional Indemnity Insurance protects recruitment companies against claims of negligence or breach of duty arising from advice or services provided. This is crucial as it covers legal costs and damages, safeguarding your business reputation and financial stability.
Public Liability Insurance This insurance covers claims made by third parties for injury or damage caused by your business activities. Recruitment companies often interact with clients and candidates in various environments, making this essential for financial protection against accidents or incidents.
Employers’ Liability Insurance A legal requirement in many jurisdictions, Employers’ Liability Insurance protects businesses against claims from employees who suffer illness or injury as a result of their work. Recruitment agencies need this to cover compensation costs and legal fees.
Directors’ Liability Insurance Directors’ Liability Insurance protects individual directors and senior managers against claims made against them while performing their duties. It’s vital for recruitment companies to protect their leadership from personal financial losses due to legal actions.
Cyber Liability Insurance With recruitment agencies storing sensitive data digitally, Cyber Liability Insurance is essential for covering the costs associated with data breaches, including legal fees, notification costs, and reputation management. 
Fidelity Bonding Fidelity Bonding covers the loss of money or property due to dishonest acts by employees, such as theft or fraud. It’s particularly important for recruitment companies that handle client funds or sensitive information.
Legal Expenses Insurance This insurance covers legal costs arising from various business-related legal disputes. Recruitment companies can benefit from this protection in cases of contract disputes, employment disputes, and more.
Business Interruption Insurance Business Interruption Insurance compensates for lost income during periods when business operations are halted due to covered events like fire or flood. For recruitment agencies, it ensures financial stability during unforeseen disruptions.
Vicarious Liability Insurance Vicarious Liability Insurance covers claims made against a business for acts committed by employees or temporary workers. It’s essential for recruitment agencies to cover claims related to the staff they place with clients.
Business Travel Insurance Business Travel Insurance provides coverage for medical expenses, trip cancellations, and loss of belongings during business trips. Recruitment company staff often travel for client meetings and candidate placements, making this coverage vital.
Property Insurance Property Insurance covers damage or loss to business premises and contents due to events like fire, theft, or flood. Recruitment agencies need this to protect their physical assets and ensure business continuity.
Personal Accident Insurance Personal Accident Insurance offers compensation for injuries, disability, or death caused by accidents. This coverage supports recruitment company employees and their families in case of accidental harm.
Product Liability Insurance While not typically a primary concern for service-oriented recruitment agencies, Product Liability Insurance is crucial if your business sells any products. It covers claims related to product defects causing injury or damage.
Drivers Negligence Insurance Drivers Negligence Insurance is a policy that provides coverage to recruitment agencies for damages caused by their temporary drivers while operating a client’s vehicle.
Private Medical Insurance Private Medical Insurance offers medical, dental, and vision coverage for employees, enhancing recruitment and retention by providing valued benefits. It supports the well-being of the team, crucial for maintaining a productive workforce.

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