Recruitment Company Combined Package Insurance
What is this and why do I need it?
If you run a recruitment, umbrella or payroll company, there are many internal and external factors that can harm your business. Combined package insurance will protect you and your business from this happening.
What can Beesure provide?
Beesure works closely with a number of recruitment, umbrella and payroll companies. Varying from small businesses to large organisations. We offer tailored packaged policies to ensure your company is protected and giving you peace of mind. The package can include:
- Public/ Products Liability
- Employers Liability
- Professional Indemnity
- Directors & Officers
- Cyber Liability
- Drivers Negligence
- Office Package
- Self-employed worker legal expenses
- Company legal expenses
- Unique workers personal accident
- Unique workers Public liability
- Business travel
- Company personal accident
Why is Beesure the right choice?
Beesure have access to a wide variety of markets to meet most requirements. We have the expertise that can help source competitive coverage as well as provide a full all-round service. Our team can also offer assistance when it comes to dealing with claims.
Frequently Asked Questions
Are temporary workers covered under my insurance?
Usually, unless specifically stated otherwise, your insurance covers your business and your business only. This is called ‘non-vicarious cover’.
So, you’re insured for claims or allegations of negligence against you – mistakes or things you failed to do. In your case, that’s finding and placing staff for your clients.
But, if one of the guys you place turns out to be a liability and your client sues you for his mistakes too, you’re not covered. You’ll have to deal with it on your own, and pay for help from your own pocket. Your insurance won’t cover it.
That’s unless you have something called ‘vicarious cover’. This type of policy covers your negligence as a recruitment professional, and the work of the people you place too.
Whether or not you need it depends on what’s in your contracts. Whether or not you can get it depends on what your placements do and where they work. Generally speaking, insurers are happier vicariously covering office-based, low-risk work like admin and IT rather than high-risk things like nuclear engineering and working on an oil rig.
Never assume you have a vicarious cover. If you’re not sure, check your policy wording or ask Beesure to check for you.
Speak to one our team for a free no obligation initial consultation.
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Beesure Limited is authorised and regulated by the Financial Conduct Authority no. 832417.
Beesure Limited is a company registered in England and Wales. Company number: 10551333.
Registered office address: Ground Floor, Rowan House, Hazell Drive, Newport, NP10 8FY.