Insurance for Recruitment Agents - Policy Descriptions

Employers' Liability (underwritten by Ace European Group Limited)
provides an agency, as an employer, with indemnity in respect of liabilities either at common law or at statute. This type of insurance is compulsory if you employ staff.
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Public Liability (underwritten by Ace European Group Limited)
provides indemnity against the liability of the agency for causing accidental injury or damage to a third party, or to third party property, in the course of its business activities. We may consider including the activities of temporary workers, contractors and interim managers when required by contracts entered into with your clients.
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Drivers' Negligence (underwritten by Ace European Group Limited)
only available with Employers' and Public Liability provides cover against claims in respect of damage caused to the vehicles being driven by temporary drivers supplied by the agency to their clients. Agencies may find that clients try to make them liable under contract in respect of such damage caused by the negligent acts of temporary drivers.
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Professional Indemnity (underwritten by Ace European Group Limited)
A vital protection covering an agency's defence costs and any resulting damages awarded as a result of a 'Negligence' suit against your business. (We have found that such allegations arise as a counter-claim against non-payment of fees.) This section can be extended to include Fidelity Bonding.
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Fidelity Bonding (underwritten by Ace European Group Limited)
only available when Professional Indemnity insurance is taken out. This insurance is often required by your clients if your agency is involved in the supply of drivers or warehousemen and provides cover against the proven dishonest acts of the temporary staff supplied.
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Legal Expenses (this insurance is administered by FirstAssist Insurance Services Limited on behalf of the insurer, Great Lakes Reinsurance (UK) PLC)
provides indemnity against legal costs including those incurred in respect of:

  • defending civil proceedings against the agency by employees relating to a contract of employment, race relations or sexual discrimination.
  • Reimbursement of an Employment Award
  • An appeal by the agency against an assessment by Customs and Excise regarding VAT. Full details are available on request.
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Directors & Officers (underwritten by St Paul Travelers Professional Risks Ltd)
Provides personal liability protection for directors, officers and other key employees in respect of both civil and criminal offences including financial mismanagement, breach of company, tax and environmental laws.
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Property (underwritten by ACE European Group Ltd)
Providing protection for damage and theft to Contents along with Business Interruption cover. Cover can be extended to include Buildings, Computer Breakdown, Portable Electronic Equipment and Loss of Income.
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Personal Accident
Providing cover for death and/or permanent disablement occurring to your temporary workforce whilst on assignment or travelling to or from their usual place of residence or the agency premises to appropriate assignment.
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Dallas Kirkland (Professions) Ltd, Ibex House, 42-47 Minories, London EC3N 1DY
Registered in England and Wales No. 04157814
Email: info@dallaskirkland.com     Telephone: 020 7480 4180     Fax: 020 7702 1441