Recruitment Agency Insurance

Protect your recruitment business with bespoke insurance policies for recruiters and umbrella companies. Buy online or speak to our experts today.
Contractor smiling with laptop

Few businesses could survive legal action being brought against them. Having good recruitment agency insurance in place takes the pressure off your business, allowing you to grow freely and without worry.

Qdos can help you arrange the right insurance for your recruiting business whether you are looking for comprehensive insurance that will cover your agency, umbrella company, or payroll provision, or you are looking for a scheme to cover the contract workers you place.

For smaller recruitment firms (with a turnover of up to £2.5 million per annum) who are responsible for the placement of self-employed, temporary or permanent staff, Qdos have developed a range of insurance products available for online purchase via our straightforward quote process.

For larger agencies, umbrella companies, and those providing more complex risks, get in touch with one of our experts.

Supporting the flexible working industry for over 30 years

  • Award Award-Winning Service
  • Target Self-Employment Specialists
  • Trend Part of Tokio Marine HCC
  • Check Proven IR35 Experts
Work colleagues laughing together

Protect your agency with award-winning products

Public Liability
Cover in the event of a claim brought against your business for personal injury, or physical damage to third-party property
Employers Liability
Cover in the event of a claim brought against your business for personal injury to those employed by your firm
Professional Indemnity
Cover in circumstances where a negligent error or omission is alleged to have caused a financial loss to a third party
Cyber Insurance
Protection against a range of cyber risks including data protection and hacker damage. Included with Qdos Professional Indemnity Insurance as standard
Drivers Negligence
Cover where you become liable for damage to HGVs and other vehicles driven by your contract staff. Optional extension to Qdos Public Liability Insurance
Personal Accident
Provides a financial benefit to staff who suffer a workplace injury. Available on enquiry

Buy online

Cover can be purchased online by recruitment agencies:


  • Whose sole activity is placement for contract staff
  • With turnover below £2.5 million per annum
  • Who have no exposure to vicarious liability

Get a quote

Professional working at desk

Tailored cover 

We would also be happy to arrange bespoke cover directly for:


  • Umbrella companies
  • Firms providing self-employed CIS workers
  • Recruitment agencies with turnover in excess of £2.5 million
  • Any recruitment companies that accept vicarious liability for the actions of the workers they place
  • Recruitment businesses that offer additional services to their clients

Download a proposal form below and send to [email protected]

Frequently Asked Questions

As with any business, insurance is an important element of a recruitment business’s risk management approach.

Beyond basic commercial realities, recruitment businesses also need to have a close eye on their contract terms – there will typically be strict requirements around the scope, nature and limits of the insurance policies that must be held.

Recruitment agencies typically need:

  • Professional Indemnity Insurance – Professional errors or omissions, which lead to claims for damages being brought against you, regardless of best intentions or strong practices.
  • Public Liability Insurance – All commercial entities owe a duty of care to people and property that they come into contact with in the course of their work, and damage to third parties can be caused under the most innocuous of circumstances.
  • Employers Liability Insurance – any business  employing staff is legally required to hold Employers Liability. 

Recruitment agencies must also take time to understand their insurance requirements in respect of the workers they place – this is referred to as vicarious liability, and can often become the responsibility of recruitment businesses under contract.

In addition to the policies noted above, recruitment businesses will also need to give consideration to the general business exposures, and consider appropriate insurances for  property, contents, motor, and the like.

For more information or a bespoke quote for your recruitment agency insurance, get in touch with our team on 0116 478 3390 or click here to book a call


If a recruitment agency employs any staff, Employers Liability insurance is a legal requirement.

For businesses providing pure recruitment services, it's unlikely that Employers Liability insurance will be required for the workers they place. If the worker is under the supervision, direction and control of the hirer, or is bona fide self-employed, the responsibility for these workers will usually fall to other parties.

There are some circumstances, however, where a recruitment business has a responsibility to insure placed workers under an Employers Liability policy, and any recruitment business should take time to understand their exposure and arrange cover accordingly.  

Qdos can arrange cover for recruitment agencies who accept vicarious liability for the actions of the employees they place on a bespoke basis. Please get in touch with one of our experts to discuss your requirements.

Vicarious liability occurs when one party is held responsible for the actions of another.  This is a common consideration for recruitment businesses, who may be contractually liable for the actions of their contractors and require insurance to cover such claims.

Policies available online are designed for agencies who do not accept vicarious liability for the actions of their workers. Larger agencies, or those who do specifically accept vicarious liability, can arrange cover on the basis that the action of their workers is insured by speaking with one of our advisors and completing a short proposal form.

Qdos Recruitment Professional Indemnity Insurance includes cover for a variety of cyber risks including data protection and hacker damage. This important added cover provides additional peace of mind in an environment where cyber risks are increasingly prevalent.

We do not currently offer this cover as a standalone policy but can arrange a more comprehensive cover on request.

Drivers’ Negligence insurance covers you in the event of material damage to motor vehicles caused by the negligent act of any temporary worker supplied by the Policyholder, for which the Policyholder is liable.

Where agencies provide HGV drivers, it is a common term of the supply contract that the agency remains liable for certain damage caused by the negligent act of the drivers.

Our Drivers’ Negligence policy protects against this exposure, and is available for up to 50 drivers (working at any one time) via our online application. A larger number of drivers can also be insured on enquiry.

While Drivers’ Negligence Insurance is not required under legislation, if you supply drivers it is not unusual for your clients to specify that you have Drivers Negligence cover in place.

Drivers Negligence Insurance is something we can include as part of your Qdos Recruitment Agency Liability Insurance.
Why Qdos?

Qdos has specialised in contractor insurance for over two decades, and have worked closely with numerous recruitment agencies and umbrella companies to deliver tailored offerings in this time.

As a subsidiary of Tokio Marine HCC, our unique positioning in the market enables us to provide businesses with a personal and tailored service but with the backing of a global insurer.

With Qdos you benefit from:
Bespoke solutions
We tailor our services to the specific needs of your organisation
Trusted insurance provider
We’re part of leading specialty insurance group, Tokio Marine HCC
Excellence in compliance
We didn’t win the Queen’s Award for Innovation for nothing!

Protect your agency today

Get a quote online and start protecting your agency right away with documents issued immediately. Simple.

Have questions?

Call our team on 0116 478 3390 or email [email protected]