*Based on £1,000,000 Public Liability cover
Whether meeting clients or vetting candidates, recruiters are at inherent risk of third-party claims for personal injury or damage to third-party property. Public Liability Insurance covers your business if something happens to a third party whether at your office or when out and about. We'll cover you for the legal costs of defending the claim as well as any damages found owing as a result.
You can also add Employers' Liability insurance to your liability cover for claims from your in-house staff. Should your staff bring a claim against you for personal injury as a result of their employment with you, we'll cover the defence costs and compensation owed.
Policies available online are designed for recruitment agencies who don't accept responsibility for the actions of placed workers. However, if you accept vicarious liability, engage workers under contracts of employment (umbrella companies) and/or have workers operating under your own supervision, direction, or control (rather than of the end client), we're able to arrange cover on a bespoke basis. Contact [email protected] to discuss your requirements.
For agencies who place HGV drivers, it's a common term of the supply contract that the agency remains liable for certain damage caused by the negligent act of the drivers. Our Driver's Negligence policy protects your agency against this risk and is available for up to 50 drivers working at any one time via our online application. Get in touch if you need cover for more drivers.
Put simply, vicarious liability describes circumstances where one party takes responsibility for the actions of another.
One of the most common examples is an employer’s liability for the actions of their employees. This is particularly relevant for the recruitment sector where the ultimate employer may not be clear-cut.
In many cases, contracts between the parties in the supply chain will aim to clarify the matter of vicarious liability. This means that even where there is no employer/employee relationship created by the nature of the engagement, a recruitment company may still be vicariously liable for the actions of the workers they have placed.
For obvious reasons, where a recruitment agent is vicariously liable for the actions of the workers, there is a greater exposure to claims under Professional Indemnity and Public Liability insurance. Therefore, it's crucial to take the time to understand the nature of the cover you require, and the adequacy of the insurance you have in place.
Whilst our online product is designed for firms who don't have any exposure to vicarious liability, if you need more comprehensive cover, get in touch with our expert team for a tailored quote.
Protect your recruitment business against allegations of negligence
We can arrange bespoke cover directly for:
Download a proposal form below and send to [email protected]
Qdos has specialised in contractor insurance for over two decades, and have worked closely with numerous recruitment agencies and umbrella companies to deliver tailored offerings in this time.
As a subsidiary of Tokio Marine HCC, our unique positioning in the market enables us to provide businesses with a personal and tailored service but with the backing of a global insurer.