Employment agency insurance

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Why is staffing agency insurance important?

Large-scale staffing or niche employment solutions, whatever your area of expertise, an employment agency faces specific risks. From liability insurance for accidents and injuries to professional indemnity cover third party losses caused by an error you’ve made, our tailored protection works to protect the agency, your employees, and the kit you rely on, at home or in the office.

  • industry-specific, permanent, or temporary staffing agency insurance
  • public liability insurance – employment agency liabilities covered from £1 million
  • 24/7 claims helpline and UK-based contact centre

Insurance for staffing agency risks – what’s covered?

We’ll start with public liability insurance, top of the list for thousands of UK businesses. This cover can protect you against claims for property damage and injuries, if someone thinks your agency is responsible. You can add other popular covers too, like professional indemnity insurance (often known as PI), and employers’ liability cover, plus protection for your equipment and office kit.

How much does employment agency insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

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Example employment agency insurance quotes, real prices

chiswell insurance
chiswell insurance

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Professional indemnity

No excess


Public liability






Portable equipment



Employers liability

No excess

No excess

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527


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Find answers to common insurance questions

How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

83% of claims were settled in 2023

Example claim

Having employment agency insurance through Simply Business has saved companies thousands of pounds when the unexpected happened.

Emily saved more than £1,000

Emily (not her real name) dropped her work tablet onto a client’s concrete reception area floor, cracking the screen and causing damage to a few basic functions. The optional business and office equipment cover in her staffing agency insurance policy helped cover Emily’s replacement costs.

Staffing agency insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about permanent or temporary staffing agency insurance, and other types of cover. You can also check out our business insurance FAQs.

Professional indemnity insurance will be a key cover for most employment or staffing agencies – it’s built to cover you for errors or breaches in your duty of care, which could end up causing a financial loss to a third party. Is there a risk that your client could lose money due to a delay in your services, for example, and sue for compensation?

Alongside professional liability insurance, most businesses choose to include public liability insurance in their policy, to provide protection against a third party’s trip and fall, for example, or damage to their property. And if you employ anyone (including contractors or temps), employers’ liability cover is usually a legal requirement.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

  • one-off credit or debit card payment
  • BACS payment
  • Direct Debit

If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly instalments.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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