Contact: 0116 478 3390 info@qdoscommercialservices.com

Protect your recruitment business with bespoke insurance policies. Buy online or speak to our experts.

RECRUITMENT AGENCY INSURANCE

Few businesses could survive legal action being brought against them. Having good recruitment agency insurance in place takes the pressure off your business, allowing you to grow freely and without worry.

Qdos can help you arrange the right insurance for your recruiting business whether you are looking for comprehensive insurance that will cover your agency, umbrella company, or payroll provision, or you are looking for a scheme to cover the contract workers you place.

For smaller recruitment firms (with a turnover of up to £2.5 million per annum) who are responsible for the placement of self-employed, temporary or permanent staff, Qdos have developed a range of insurance products available for online purchase via our straightforward quote process.

For larger agencies, umbrella companies, and those providing more complex risks, get in touch with one of our experts.

Protection against a range of relevant risks to your business
Ensure compliance with clients’ contractual terms
Provide peace of mind for your business, clients, and employees

Simple, easy to arrange cover online

GET IN TOUCH WITH A RECRUITMENT AGENCY INSURANCE EXPERT AT QDOS

Looking for more complex cover or simply to benchmark your existing cover against another provider?

Phone: 0116 478 3390
Email: info@qdoscommercialservices.com

Public Liability

Provides cover in the event of a claim brought against your business for personal injury, or physical damage to third-party property

Employers Liability

Provides cover in the event of a claim brought against your business for personal injury to those employed by your firm

Professional Indemnity

Provides cover in circumstances where a negligent error or omission is alleged to have caused a financial loss to a third party. Note that our online policy does not cover vicarious liability – please get in touch with our experts if required

Cyber Insurance

Protection against a range of cyber risks including data protection and hacker damage. Included with Qdos Professional Indemnity Insurance as standard

Drivers’ Negligence

Provides cover where you become liable for damage to HGVs and other vehicles driven by your contract staff. Optional extension to Qdos Public Liability Insurance

Personal Accident

Provides a financial benefit to staff who suffer a workplace injury. Available on enquiry

PROTECT YOUR BUSINESS WITH A QDOS POLICY

QDOS COMMERCIAL SERVICES PROVIDING YOUR BUSINESS WITH THE TOOLS AND RESOURCES TO MANAGE IR35 CHANGES IN THE PRIVATE SECTOR

Qdos has specialised in contractor insurance for over two decades, insuring over 90,000 businesses against the professional risks they face. In this time, we have worked closely with numerous recruitment agencies and umbrella companies to deliver tailored offerings.

We have developed a range of suitable products for small staffing agencies available for immediate cover online as well as bespoke cover for larger or more complex risks.

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.

Cover can be purchased online by recruitment agencies:

  • Whose sole activity is placement for contract staff
  • With turnover below £2.5 million per annum
  • Who have no exposure to vicarious liablity

We would also be happy to arrange bespoke cover directly for:

  • Umbrella companies
  • Firms providing self-employed CIS workers
  • Recruitment agencies with turnover in excess of £2.5 million
  • Any recruitment companies that accept vicarious liability for the actions of the workers they place
  • Recruitment businesses that offer additional services to their clients

KEY INSURANCE COVERS FOR RECRUITMENT AGENCIES

QDOS COMMERCIAL SERVICES PROVIDING YOUR BUSINESS WITH THE TOOLS AND RESOURCES TO MANAGE IR35 CHANGES IN THE PRIVATE SECTOR

Professional Indemnity Insurance

Where a mistake causes a financial loss to a third party, the cost of simply defending such a claim alone can be extremely high. PI insurance protects against this eventuality and provides valuable security to your business.

As standard, a Qdos PI insurance policy will cover the cost of defending such a claim, as well as the amount of any damages awarded to the third party.

Cover for a variety of cyber risks including data protection and hacker damage is also included with Qdos PI insurance policies, adding additional peace of mind for your business.

Find out more

Public Liability Insurance

Public Liability (PL) insurance for recruitment agents will cover you in the event of a claim brought against your business for personal injury, or physical damage to third-party property. The policy will cover both the defence of such claims, as well as any damages for which you are found liable.

Qdos are also able to include Employers’ Liability (EL) insurance in respect of your in-house staff.  Whilst our online product is not suitable for those firms who engage workers under contracts of employment (i.e. umbrella companies) or where the workers are not self-employed and/or under the supervision, direction, or control of the end client, we are able to arrange cover on a bespoke basis.

Driver’s Negligence is available as an optional extension for up to 50 drivers (working at any one time) via our online application. A larger number of drivers can also be insured on enquiry.

Find out more

INSURANCE SCHEMES FOR YOUR CONTRACT AND FREELANCE WORKERS

QDOS COMMERCIAL SERVICES PROVIDING YOUR BUSINESS WITH THE TOOLS AND RESOURCES TO MANAGE IR35 CHANGES IN THE PRIVATE SECTOR

In many cases, businesses who facilitate contracts for personal service companies (PSCs) or other self-employed workers are required to ensure that workers carry the necessary insurance. While this requirement may be passed on to the individual worker to make the necessary arrangements, other firms will seek to arrange schemes for their workers.

Qdos are a recognised provider of insurance schemes to agencies, accountants, affinity groups and general recruitment firms and are an award-winning contractor insurance specialist.

Enhance your service offering
Ensure your workers have adequate cover
Benefit from volume discounting and/or commission earning

 

If you would like to learn more about Qdos scheme arrangements, please visit our Insurance Scheme page, or contact a member of the team to discuss further.

CONTACT US

QDOS COMMERCIAL SERVICES PROVIDING YOUR BUSINESS WITH THE TOOLS AND RESOURCES TO MANAGE IR35 CHANGES IN THE PRIVATE SECTOR

Speak to a member of the team for more information and a bespoke quotation.

Get in touch directly with our recruitment specialist, Dominic Johns.

Having worked at the forefront of contractor recruitment and umbrella insurance for 18 years, Dominic provides high-quality insurance solutions in the evolving employment and business landscape.

Dominic Johns

Head of Business Development

Self-Employment Specialists

With over 30 years’ experience providing tax and insurance services to the UK’s self-employed workforce, and the businesses which engage and service them

Owned by Tokio Marine HCC

Allowing us to provide a flexible and personal service, backed by the security of a global insurer with excellent industry ratings

Tailored, Flexible Solutions

We provide flexible cover options so you can tailor your policy to the specific needs of your organisation

RECRUITMENT INSURANCE FAQs

QDOS COMMERCIAL SERVICES PROVIDING YOUR BUSINESS WITH THE TOOLS AND RESOURCES TO MANAGE IR35 CHANGES IN THE PRIVATE SECTOR

What insurance does a recruitment agency need?

The only insurance policy that is legally required of a recruitment agency is, if the business has employees, Employers Liability. However, clients of a recruitment agency will invariably set out that their chosen agency should have in place adequate Professional Indemnity and Public Liability coverage as well.

As with all professions, recruitment agents are expected to operate with professionalism and diligence. However, even where suitable safeguarding and quality control measures have been taken, mistakes can still happen.

By not holding suitable insurance, you may be exposing your business to claims such as:

  • Legal action arising relating to the suitability of candidates placed
  • Errors or omission on the part of your workers, where you are vicariously liable
  • Intellectual property or breach of copyright
  • Disputes relating to your business’ duty of care

Typically, the compulsory nature of Employers Liability insurance means that most firms will require a policy to cover at least their own in-house staff. In the recruitment sector, however, the ambiguity of employment status of workers may also dictate that Employers Liability also covers workers supplied by the firm.

Where there is a contract of employment between the worker and the intermediary, as in a typically umbrella operation, an Employers Liability policy will remain a legal requirement. Whilst a potential claim may be mitigated or ultimately cover by the end client, the requirement for the umbrella firm to carry Employers Liability insurance would remain, even where the worker is under the supervision, direction and control of a third party.

What is Drivers’ Negligence insurance?

Drivers’ Negligence insurance covers you in the event of material damage to motor vehicles caused by the negligent act of any temporary worker supplied by the Policyholder, for which the Policyholder is liable.

Where agencies provide HGV drivers, it is a common term of the supply contract that the agency remains liable for certain damage caused by the negligent act of the drivers.

Our Drivers’ Negligence policy protects against this exposure, and is available for up to 50 drivers (working at any one time) via our online application. A larger number of drivers can also be insured on enquiry.

Is Drivers’ Negligence Insurance a legal requirement?

While Drivers’ Negligence Insurance is not required under legislation, if you supply drivers it is not unusual for your clients to specify that you have Drivers Negligence cover in place.

Drivers Negligence Insurance is something we can include as part of your Qdos Recruitment Agency Liability Insurance.

Can I buy Cyber Cover as a standalone policy?

Qdos Recruitment 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.

We do not currently offer this cover as a standalone policy but can arrange a more comprehensive cover on request.

Do you cover vicarious liability?

Qdos can arrange cover for recruitment agencies who accept vicarious liability for the actions of the employees they place on a bespoke basis. Please get in touch with one of our experts to discuss your requirements.

Vicarious liability occurs when one party is held responsible for the actions of another.  This is a common consideration for recruitment businesses, who may be contractually liable for the actions of their contractors and require insurance to cover such claims.

Policies available online are designed for agencies who do not accept vicarious liability for the actions of their workers. Larger agencies, or those who do specifically accept vicarious liability, can arrange cover on the basis that the action of their workers is insured by speaking with one of our advisors and completing a short proposal form.

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