Insights
Working together to protect your recruitment business.
We understand that ‘one-size-doesn’t-fit-all’ when it comes to insurance for recruitment businesses and making sure your business is protected. So, we’ve partnered with Marsh Commercial to provide tailored protection designed specifically for the risks recruitment businesses typically face.
As an REC member, you’ll have access to tailored, comprehensive insurance cover, complemented by a range of additional exclusive member benefits at no extra cost, including enhanced cover and 10%* off your recruitment insurance.
*10% discount included as standard, provided the insurer's criteria have been met, and when you purchase either public liability or professional indemnity cover.
Book your free no-obligation business insurance check
We offer a free business insurance check to compare the cover, service and price you’re currently receiving. We’ll identify if you're missing out on valuable enhanced benefits – and potentially save you money. Put us to the test today and take advantage of our free offer.
Recruiters Choice – specialised insurance protection
Recruiters Choice - specialist insurance tailored for the recruitment sector, offering comprehensive liability, indemnity protection, and policy extensions to suit your business.
REC members can also enjoy a special 10%* discount on their recruitment insurance.
Recruiters Choice offers a range of cover options, including:
- Cyber and data cover**
- Directors' and officers' liability** and corporate legal liability
- Vicarious liability
- Safeguarding covers
- No contractual liability exclusion
- Cover for crisis containment PR costs
- High-hazard cover
- All worker types covered
- Driver’s negligence
- Medical treatment cover
*Included as standard, providing the insurer's criteria has been met, and when you purchase either public liability or professional indemnity cover.
** Included as standard, providing the insurer's criteria has been met, and when you purchase either public liability or professional indemnity cover, and for companies whose turnover does not exceed £ 25 million.
Assistance in recovering losses and related expenses from cyber threats
Our cyber insurance helps recover losses and related expenses resulting from cyber threats, including hacker damage, business interruptions, ransomware attacks, and other forms of cybercrime.
Cyber liability insurance can cover:
- Business interruption and lost revenue
- Cyber extortion
- Data and hardware restoration and repair
- Data breach notification services
- Employee training
- First and third-party costs
- Forensic services
- Fraudulent representation and legal fees
- Incident preparation and response support
- Regulatory defence and penalties
FAQ's
Your top questions answered about REC Insurance Services, powered by Marsh Commercial.
What insurance do I need for my recruitment agency?
Employers' liability insurance is mandatory for recruitment agencies with employees. This cover helps protect your business by covering the costs in case an employee is injured or falls ill while working for your agency. Public liability insurance protects your agency if a member of the public suffers bodily injury, death, or property damage for which your business could be held liable. This insurance provides financial security in such cases.
Professional indemnity insurance is highly recommended for recruitment agencies that provide direct services or advice to clients. This protection helps cover costs related to claims of breach of duty, errors, omissions, or negligent advice that may lead to financial losses for clients.
When should I start looking for recruitment agency insurance?
For new recruitment businesses, it’s wise to secure insurance early—ideally before submitting your first tender. This ensures you find the cover that best fits your needs from the start. Established agencies should also avoid delaying the search for renewal quotes, as waiting until the last minute may result in less favourable offers from insurers. In short, it’s never too early to explore your recruitment agency insurance options. As a recruiter, your business may require coverage beyond standard policies, so consult a broker who specialises in your industry to ensure adequate protection.
When do I need to buy drivers' negligence insurance?
Typically, this insurance is required when Class I HGV drivers are supplied, and the hirer requests it. However, it does not cover road risks mandated by law, which remain the responsibility of the vehicle's legal owner or registered keeper. Drivers' negligence insurance usually has a limit, such as £10,000 per claim and £50,000 annually. Cover may be influenced by the driver’s age, experience, or convictions, so it’s crucial to verify these details before supplying a driver. Remember, it’s not necessary to cover every driver, only those supplied under contracts requiring this insurance.
What is a vicarious liability policy extension, and do I need it?
Legal expenses insurance, or legal protection insurance, assists with legal costs. If you face a legal issue, this insurance can help cover expenses such as lawyer fees, court costs, and expert witness fees. Some policies may also cover mediation or arbitration costs.
Whether you need legal expenses insurance depends on your circumstances and risk tolerance. Legal disputes can be costly and lengthy, so having this insurance can provide peace of mind and financial protection.
Why REC Insurance Services?
REC Insurance Services is powered by Marsh, a global leader in insurance broking and risk management with 150 years of heritage and is committed to helping recruitment businesses of all sizes manage their risks.
With a team of recruitment insurance specialists who work with micro-SME recruiters through to larger clients with more complex requirements, we’ve got you covered.
We understand your unique challenges and you can rely on us to provide the right insurance solutions for your specific business needs.
*Included as standard, providing the insurer's criteria has been met, and when you purchase either public liability or professional indemnity cover.
** Included as standard, providing the insurer's criteria has been met, and when you purchase either public liability or professional indemnity cover, and for companies whose turnover does not exceed £25million.
Looking for expert insurance advice or a quotation?
Get instant cover with our quote and buy platform, or we’re just a phone call away if your business has a turnover greater than £5 million, more complex needs or you prefer to speak with a member of our team.
