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Are your current insurance policies still meeting your needs? As your business expands and your requirements shift, it’s easy to overlook whether your policies remain fit for purpose – but don’t worry, we’re here to help!
As part of globally trusted underwriter Tokio Marine HCC, Qdos combines industry-leading insurance expertise with robust financial backing. This allows us to concentrate on what we do best: delivering tailored, dependable insurance solutions.
Supported by a global insurer, we provide the assurance that claims will be honoured, even in challenging economic times. With Qdos, you can feel secure knowing your provider has the resources to safeguard your business.
With the strength and support of Tokio Marine, the claims process is streamlined to minimise delays and confusion - keeping you focused on your work, not the paperwork.
From initial quote to claim resolution, we provide end-to-end support that’s consistent, efficient, and customer-focused. Our integrated approach ensures fewer handoffs and a smooth, reliable experience at every step.
Leveraging Tokio Marine HCC’s extensive industry insight, we proactively address emerging risks to deliver forward-thinking coverage solutions that adapt as your needs evolve.
As a subsidiary of Tokio Marine HCC, you can trust that you’re dealing with a dedicated team that understands your needs at every stage of your insurance journey. Our in-house expertise ensures that you receive exceptional customer care and support, allowing for smooth communication and quick resolutions.
We’re committed to building strong relationships with our customers, and our close collaboration means you benefit from personalised service tailored to your unique requirements. You can rest assured that you have a reliable partner who prioritises your satisfaction and understands the complexities of your business.
As with all professions, Umbrella companies are expected to operate with professionalism and diligence. However, even where suitable safeguarding and quality control measures have been taken, mistakes can still happen.
Where such a mistake causes a financial loss to a third party, the cost of simply defending such a claim alone can be extremely high. Professional Indemnity Insurance protects against this eventuality and provides valuable security to your business.
As standard, our Professional Indemnity Insurance policy will cover the cost of defending such a claim, as well as the amount of any damages awarded to the third party in the event that such defence is unsuccessful.
Our Professional Indemnity Insurance includes cover for a variety of cyber risks including data protection and hacker damage.
This important added cover provides additional peace of mind in an environment where cyber risks are increasingly prevalent.
As ever, it is important you consider your risk exposure when arranging cover – contact Qdos directly if you would like to consider more comprehensive Cyber cover.
Qdos will work with you to understand your contractual exposures and help you to mitigate your risk.
Umbrella companies (and recruitment business more generally) are uniquely challenged insofar as clients will often expect indemnification for the actions of placed workers – this is an unusual as Umbrella companies are in no way able to supervise workers, or ensure that they are performing their services adequately.
It is important to consider how exposed you are contractually to such claims – strong contract terms mitigating risk can often save an umbrella firm thousands of pounds in premium. Qdos’ team of specialists will be able to discuss in detail and ensure appropriate cover is in place, at the right price.
All policies can be purchased in isolation, ensuring you are only provided the cover you need, when you need it.
Public Liability Insurance for Umbrella companies will cover you in the event of a claim brought against your business for personal injury, or physical damage to third party property cause by your own employees, or placed workers for which you are contractually or legally liable.
The policy will cover both the defence of such claims, as well as any damages for which you are found liable.
Although placed workers may be operating under the supervision, direction and control of the hirer, significantly mitigating exposure, it is possible that Umbrella companies may face claims should a worker be injured in the course of providing their services.
Employers Liability Insurance is a legal requirement, and protects Umbrella companies in respect of such claims.
If you are responsible for the payrolling of drivers, you may be asked by hirers or agencies to take on additional liability for damage to motor vehicles.
Such damage would be typically excluded under a Public Liability Insurance policy, so it is important to consider whether you are properly covered.
Our Driver's Negligence policy protects against this exposure, ensuring contract terms are met, and protecting Umbrella companies from a significant business risk.
Qdos are the UK's leading provider of Tax Liability Cover in respect of employment tax status. Whilst Umbrella companies may carry tax liability in respect of tax status cases, Section 44 primarily places the recruitment business in the firing line. Recruitment businesses often turn to Umbrella companies for support and protection against this risk.
Qdos have developed innovative insurance products to assist Umbrella companies support their recruitment business clients in the event HMRC challenge the tax status of placed workers. Our unique Tax Liability Cover policy will not only cover the cost of defending an HMRC enquiry, but will also cover any resultant tax/NI liability in the event HMRC successfully establish false self-employment.
Qdos has been providing insurance and tax advice to all areas of the contingent labour market for over 20 years.
In this time, we have supported over 100,000 UK businesses in managing exposure, and arranging insurance to protect against the professional risks they face.
By taking time to understand exposures, and working with businesses to adopt pragmatic risk management strategies, Qdos are able to offer Umbrella businesses substantial premium savings, with market leading products and services.
As a subsidiary of Tokio Marine HCC, we have a unique positioning in the market to be able to provide businesses with a personal and tailored service but with the backing of a global insurer.
Call our team on 0116 504 0781 or alternatively you can email us [email protected]
Book a discovery call with our team and we’ll get back to you at a time that is convenient for you.
