My Account
Short answer: it may, but an agency and its client should not assume one policy covers every temporary worker. The legal relationship, who directs the work, the policy definition of employee and the contract between the parties all need review.
Identify the parties’ responsibilities
Recruitment arrangements can involve an agency, an end client and a worker, with responsibilities split across contracts and day-to-day supervision. Check whose name appears as employer, which activities and locations are declared, and whether the wording addresses temporary, casual or labour-only workers. The client may have its own obligations even where the agency arranged the placement.
Employers’ liability is distinct from public liability and professional indemnity. A policy may respond to specified legal liability for employee injury or illness, but exclusions and conditions apply. Government guidance sets out the general requirement and exemptions: GOV.UK employers’ liability insurance.
Questions for the renewal file
- Who engages and pays each worker, and who controls daily tasks?
- Are work sites, job types and higher-risk activities accurately declared?
- Do agency and client contracts require particular certificates or limits?
- How are accidents reported and records shared between parties?
Use the Insure24 business insurance page or contact the broker with the placement model. Insure24 is not the insurer; policy terms and legal duties depend on the circumstances.
General information only; seek appropriate legal advice about employment status.
Common questions
Does this article replace insurance advice?
No. It is general guidance only. The right policy still depends on the business activity, contracts, locations, turnover, staff, assets, claims history and insurer wording.
What information should I prepare before asking for quotes?
Prepare turnover, wage roll, activities, locations, contract requirements, claims history, asset values, existing policy details and any deadlines for evidence of cover.
Where should I go next?
Use the main Recruitment Agency Business Insurance page if you are ready to compare quote-led cover options or talk through the risk with Insure24.