Looking to buy insurance for your recruitment agency? Here's what you need to know

Why buy recruiter’s insurance?

As a recruiter or employment agency, you frequently face situations that regular insurance policies cannot fully protect your business against. From cyber attacks on your client database to legal cases arising from your employees/placements or hiring companies - you experience a number of unique risks every day. That’s why at Pen we’ve created an exclusive insurance policy (which your broker can arrange) that is designed to mitigate these risks, giving you peace of mind that you have cover in place if a claim does arise.

Key features



Our policy incorporates a number of features that typical policies might not include, such as:

Legal expenses – Covers costs should a claim arise against your business, plus access to our online HR and Legal department to put you in the best position to resolve the situation.

Combined liability – Be protected against claims from injury in the workplace not just from your own staff but also from the candidates that you place.  This includes contingent liability for indirect exposures.

Professional indemnity insurance – Nobody’s perfect, which is why we offer cover to protect your business against claims arising from errors and omissions caused by human fault. This includes vicarious liability for cases brought about by a third-party that you are deemed responsible for. Claims examples can include failing to check the background of a candidate who goes on to cause financial loss to your end hirer, breach of copyright or theft from an employee or candidate.

Cyber liability – with cyber crime ever increasing, you’ll want to protect your client database from malicious attacks plus you’ll receive cover against fines and business interruption.

What else is included?

Our policies can be tailored made to include the following covers that your business may require:

- Professional indemnity

- Employer’s liability - Claims examples can include an employee being injured in your office, an agency providing insufficient training leading to injury or an employee receiving a strain injury due to an incorrect chair.

- Products and public liability - Claims examples can include a candidate being injured on your premises, a temporary staff member being injured by falling cable or theft of resident belongings by a temp.

- Property and contents cover

- Directors & Officers cover

- Personal Accident insurance

What extras are available?

As well as this you can add the following policy extensions:

- Terrorism

- Computer Breakdown

- Buildings

- Portable Electronic Equipment

- Computer and Electronic Equipment

- Business Interruption

- Driver’s negligence

- Fidelity Guarantee

- Fidelity Bonding

How can I find out more?

To find out more please get your insurance broker to drop us a line, or if you’re a broker looking to place our recruitment insurance then get in touch with Georgina Newlands or Nick Kernaghan-Andrews for further details.