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Most REC members will work under REC standard model terms and conditions and will not usually accept any liability for the acts of any workers which they supply. However, in some cases the hirer may require the recruitment firm to adhere to their own non-standard terms and conditions. If you are placing temporary contractors, you may require extra peace of mind by having an insurance policy which provides full vicarious liability cover. It remains a grey area as to whether the contractor is deemed an employee of the recruitment company, the umbrella company and/or the hirer. By not having this cover you could be reliant on the hirers insurance to cover the contractor and even the contractors own insurance policy if they have one.
We have access to a wide panel of specialist recruitment insurers.and can tailor a policy which goes beyond Professional indemnity and includes the following covers:
• Employers Liability
• Public Liability
• Driver’s negligence cover
• Fidelity bonding
• Legal expenses
Furthermore and subject to qualification, your insurer may provide you with access to a FREE contract review service. This will highlight any potential insurance issues which could arise from any of the non-standard contracts you may be asked to enter into.
Recruitment companies are more frequently being asked to have Professional Indemnity insurance. This policy is designed to protect your firm should a client and/or candidate make a negligence claim against you. For example a professional indemnity policy would provide protection in the event of improper referencing checks and even placing candidates into the wrong roles.
As a recruitment company, it is important to check what level of cover and limit of indemnity you may be required to have. Certain policies can also extend to provide cover for vicarious liability. If you are supplying temporary contractors who do not have their own insurance policy, you could be legally liable for their acts, errors or omissions.
• Directors & Officers
• Personal Accident
• Medical malpractice