Professional indemnity, public liability, management liability and cyber cover options for recruitment and staffing agencies across Australia. Talk to a specialist broker.
Tell us a little about your business and we’ll be in touch to discuss your insurance requirements.
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As a recruitment agency, clients rely on your vetting, your advice and your judgement when you put a candidate forward. If a placement is later linked to a financial loss, a background check is questioned, or a visitor is injured at your office, the exposure can sit with your agency, not just the client or the candidate. Sol Insurance Brokers can help you explore cover options that reflect the responsibility you carry when you connect people with work.
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Is designed to help protect you against claims for financial loss arising from an error, omission or negligent advice in the recruitment services you provide, such as a flawed vetting or referencing process, subject to policy terms.
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Is designed to help protect you against claims for third-party injury or property damage arising from your business activities, such as a candidate or client visitor injured at your office, subject to policy terms.
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Can help cover the costs of defending claims against your agency arising from employment-related disputes, such as unfair or wrongful dismissal, and certain regulatory investigations, subject to policy terms.
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Can help cover the costs following a data breach, hacked account or ransomware attack affecting your candidate and client databases, subject to policy terms.
Depending on your business and circumstances, additional covers may include, but are not limited to, Business Interruption, Personal Accident & Illness and Workers Compensation, where relevant and subject to policy terms, conditions and exclusions.
A candidate placement is later linked to a client’s financial loss, such as a hiring decision based on your advice or checks
A background or reference check is incomplete or inaccurate, and a claim is made against the agency as a result
A privacy breach involving candidate or client personal information, potentially engaging obligations under the Privacy Act 1988
A candidate or client visitor is injured while attending an interview or meeting at your office
An employment dispute or wrongful dismissal claim involving your own agency staff
A ransomware attack or unauthorised access to your candidate database exposes personal information
Important: The information provided on this page is general in nature and does not take into account your individual circumstances. Insurance cover, terms, conditions and exclusions vary between insurers and policies. Your insurance requirements will depend on your business activities, contracts, assets and individual circumstances. Please refer to the relevant policy wording and documentation for full details of cover. The risks listed above are general examples only, for illustrative purposes, and do not confirm that your individual policy will respond to any particular claim.
Professional indemnity is designed to respond to claims arising from an error, omission or negligent advice in how you carried out the recruitment service, such as a flawed vetting or referencing process, subject to policy terms. It is not designed to cover a placement that simply doesn’t work out for reasons unrelated to a service failure, such as a cultural fit issue.
Professional indemnity is generally about errors or negligent advice in the recruitment service itself, such as an inadequate background check. Public liability responds to third-party injury or property damage claims, such as a candidate or client visitor injured at your premises.
Even small agencies employ staff and make hiring, performance and termination decisions, which can give rise to employment-related disputes. Management liability can help cover the costs of defending these claims, and can be relevant regardless of agency size.
A cyber policy can help cover costs following a data breach, hacked account or ransomware attack, subject to policy terms. Given the volume of personal information recruitment agencies typically hold, this is often a key consideration alongside your other covers.
Recruitment generally involves sourcing and placing candidates with a client who then directs and employs them. Labour hire typically involves your agency employing or engaging workers who are then supervised by a host business, which can bring additional considerations. Speak to your broker about which arrangement best describes your business.
Tell us a bit about your business and one of our brokers will be in touch.
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