Recruitment

First Insurance Solutions is a UK-based independent insurance broker, specialising in Professional Indemnity and Liability insurance for private individuals, SMEs, Large businesses and PLCs.

As a specialist broker, you can be assured we understand the risks facing your industry.

Our specialist recruitment insurance has been designed to cover the risks involved with running a recruitment agency or consultancy.

We know that experience matters when it comes to recruitment. Your clients put their trust in you, which is why it’s vital to ensure you are protected should something go wrong. At First Insurance Solutions, we have built on our specialist knowledge to offer competitive solutions for your industry.

Few businesses could survive an unforeseen event. An improper referencing check on a candidate, a visitor injuring themselves at your office or a fire at your premises could have serious financial consequences. Our insurance for recruitment agencies can offer your business cover against these risks and more.

We provide policies tailored to meet the needs of employment agencies, online consultants and head-hunters, our professional indemnity insurance policy can help protect you against the cost of settling or defending a client’s claim that there is a problem with the work you have done for them, such as failing to check a candidate’s references or making a mistake in a job advertisement.

We appreciate that sometimes it can be difficult to see where a claim might come from. Below are a few examples of where claims can occur within the recruitment industry:  

  • Unsuitable Candidate claims
  • Temporary Staff Claims / Vicarious Liability Claims
  • Intellectual Property / Breach of Copyright
  • Breach of Duty of Care
  • Libel/ Slander

Our policy can provide cover for these eventualities, but in addition to tailored policies and wordings, we can add the following additional cover to professional indemnity policies:

  • Infringement of intellectual property rights like copyright or trademark
  • Client documents that are lost, stolen or damaged in your care, including data
  • Employee Theft and Dishonesty
  • Public Liability
  • Employers Liability
  • Office Contents
  • Directors & Officers Liability

Needs Vicarious Liability? Cover the actions of the staff you provide

Vicarious liability is a legal term stating an employer can be deemed liable for the actions of another.

Importantly, the ‘employer’ does not have to be at fault for the accident, and can be deemed liable if found to have authority over the actions of the person who caused the accident, or if found to be responsible for their actions in another way.

Because the employment status of temporary workers can be so unclear, recruitment agencies can be deemed their ‘employer’, hence making them liable for their actions.

This means a recruitment agency can be considered liable for the actions of a temporary worker even when they have not been negligent in the recruitment process.

In such a scenario, the recruitment agency would be considered ‘vicariously liable’ for the actions of the temporary worker.

It may be the case that your contracts require this cover. Most insurers will exclude it but where required, we have specialist markets available that can include this.

If you are unsure on whether you need the cover, feel free to contact us, we are happy to discuss your business insurance requirements with you.

Still not convinced? Here are a few more reasons to deal with First Insurance Solutions

  • Chartered Insurance brokers
  • Award winning
  • Independent insurance brokers able to access the whole of the market
  • Trusted and competent advice giving peace of mind to our clients
  • Professionalism, energy and enthusiasm for what we do
  • Exclusive Insurer relationships
  • We are not a call centre

Call us today for a review of your business insurance.