Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for recruitment consultants?

Claims against your business for:

For example:

• you spill hot coffee over a client during a meeting, causing a burn
• a contractor working on the same premises as you trips over your tool kit, breaking their knee in the fall
• one of your employees causes extensive damage to your client’s property when reversing their van

**If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.**

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your consultancy

What’s typically covered by employers’ liability insurance?

Claims against your business for:

• an injury to someone you employ, including contractors and temps, that happens as a result of working for you
• a member of staff (including casual workers) falling ill due to your business

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

• one of your employees falls down some stairs in your business premises, and makes a claim against you for chronic shoulder pain
• a temporary employee traps their hand in a door at your premises, causing several fractures
• a member of staff trips on a ledge on their way to a meeting, injuring their hip

Professional indemnity

In case a client loses money because of your advice, services or designs.

What’s typically covered by recruitment consultant professional indemnity insurance?

Claims against your business for:

• mistakes, errors, and negligence related to your work or the advice you give
• the costs involved in fixing problems with your work
• financial losses that your client believes were caused by your oversight

For example :

• you send erroneous documents to your client, delaying their project and causing a financial loss
• your client spends money combating damage you caused when sending documents to the wrong people
• you’re advising a new business but setting up isn’t smooth – they claim for financial losses

Read more about professional indemnity insurance

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business contents insurance?

Claims against your business for:

• accidental damage to your contents, or the equipment you use to run the business
• theft, flood, and fire damage

For example:

• someone breaks into your business premises and steals three company laptops, as well as two sets of headphones
• a faulty dishwasher floods your office kitchen, causing damage to several appliances
• your business equipment is damaged by vandals during a break-in

Read more about busines contents insurance

Business legal insurance

In case you’re hit with legal expenses connected to your agency.

What’s typically covered by business legal insurance?

Claims against your business for:

• a dispute relating to debt recovery, including judgement enforcements
• an investigation into your tax affairs
• someone using your company’s identity illegally

For example:

• one of your clients has informed you that they believe you haven’t met the contractual requirements of their purchase agreement, and they’re refusing to pay an outstanding invoice
• HMRC investigates your recent tax return, triggered by a fluctuation in your business income
• someone gets hold of your company bank details and uses them to buy goods and services

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

• accidental injury or death of anyone you’ve chosen to cover in your policy – whether this happens at work or elsewhere
• medical costs, lost income, and hospitalisation benefit

For example:

• your business partner, who’s named on the policy, is injured while ice skating and left permanently disabled
• you fall down some stairs at home and lose the use of your right arm
• an employee you’ve covered is playing squash at the weekend and hits their head on the wall, causing concussion and a hospital stay

Read more about personal accident insurance

Buildings insurance

In case something happens to your business premises.

What’s typically covered by business building insurance?

Claims against your business for:

• the cost of structural repair (or rebuilding from scratch) following damage to your building
• damage to fixtures and fittings
• underground pipes and cables that you’re responsible for

For example:

• someone vandalises your shop with graffiti, which you need removing ASAP
• your shop’s non-slip rubber flooring gets damaged during a refurb and needs replacing
• a non-supporting wall in your building has been damaged and needs replacing

Read more about business buildings insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What’s typically covered by excess insurance?

Claims made by you for:

• when you make a claim on a cover included in your recruitment consultant insurance policy, you won’t need to pay excess

For example :

• strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
• a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
• a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess insurance