Recruitment and workforce services

Recruitment Payroll and Umbrella Insurance

Recruitment, payroll and umbrella companies can look similar from the outside, but insurers need to understand who employs, pays, supplies, supervises or advises workers.

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Who It Is For

  • Recruitment agencies and employment businesses
  • Payroll and umbrella companies
  • Workforce, staffing and contractor-management providers

Cover To Review

  • Professional indemnity and civil liability
  • Employers' liability and vicarious liability exposure
  • Cyber, crime, legal expenses and data protection
  • Public liability where workers attend client sites

Underwriting Detail

  • Whether workers are PAYE, umbrella, agency or contractor supplied
  • Sectors supplied, manual work exposure and overseas work
  • Payroll size, turnover, contracts and client indemnities
  • Screening, right-to-work checks, claims and complaints

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Recruitment Payroll and Umbrella Insurance FAQs

Is umbrella company insurance different from recruitment agency insurance?It can be, because payroll, employment status, worker supply and contractual responsibility need to be mapped carefully.

Does employers' liability matter?It may, depending on who employs, controls or pays the workers and how the contractual chain is structured.

What should be disclosed?Worker status, payroll, sectors, manual exposure, client contracts, indemnities, screening and claims history should be clear.