Within our capacity as Lloyd’s Brokers/Coverholders we offer Combined Liability Quotations across a variety of sectors. This includes our unique Combined Liability Offering in the Recruitment and Labour Supply Sector.
We offer two main products called Premier Cover and Select Cover, which can be tailored to suit the specific needs of all labour supply businesses from SME’s to Multinational Plc’s.
Both products can include Employers Liability, Public & Products Liability, Professional Indemnity, Medical Malpractice and Drivers Negligence and are designed to suit the evolving contractual demands placed on labour supply companies.
For more detailed information please review the documents below:
Premier Cover
For those recruitment businesses that regularly operate outside of the protection of their own standard terms of business and require automatic contractual protection including full vicarious liability cover.
Select Cover
For those recruitment businesses that trade predominantly under the protection of their own standard term of business and therefore appreciate the savings available from accepting a lower level of contractual protection than that in Premier Cover.
Contractual Liability
Liability requirements in client contracts can be a legal minefield. They are not always clearly identifiable, and can be incredibly onerous without a recruitment business knowing this is the case. JMM increasingly see the use of Additional Insured and Subrogation Waiver requirements, Hold Harmless agreements, Indemnity to Principal, and indemnities for the Negligence of Placed Personnel
Even when using best practice processes designed to encourage a client to use the recruitment business’s own standard terms of business, human error can mean unwittingly accepting an onerous client contract potentially inviting a catastrophic financial disaster.
Premier Cover Highlights
- Includes claims arising from placed personnel, regardless of their employment status
- Contractual Liability
- Additional Insured and Subrogation Waiver requirements in client contracts
- Indemnity to Principal
- Offshore
Multinational cover for:
- claims by any State or Social Security or similar scheme for subrogation against the Assured
- claims from employees or placed personnel who are not ordinarily resident in the UK which are settled under the relevant countries’ workers compensation law
- difference in conditions and difference in limits protection from policies issued to the Assured overseas
Medical Malpractice Liability
- Negligence of Placed Personnel – The Assured’s vicarious liability beyond the wrongful supply cover provided under Professional Indemnity (excludes contractual liability).
- Direct Work – The Assured’s liability from direct risks such as domiciliary care and independent living support. Contractual liability is excluded where it goes beyond the normal duty of skill and care.
Optional Extensions:
- Contractual Liability
- Gap Indemnity for nurses who work outside of the NHS (where an indemnity is provided) but where the Royal College of Nursing (RCN) indemnity does not operate for the nurse. For example, if the nurse is employed but doesn’t receive an indemnity from the healthcare provider, umbrella company or recruitment business.
Professional Indemnity
- Professional Negligence of the Assured (wrongful supply)
- Vicarious Liability from the professional negligence of placed personnel
- Contractual Liability for the professional negligence of placed personnel
- Dishonesty of Employees and placed personnel
- Breach of Confidentiality including contractual liability for placed personnel
- Intellectual Property Rights including contractual liability for placed personnel
- Libel and Slander including contractual liability for placed personnel
- Payment of Withheld Fees
- Medical Malpractice Liability – claims due to wrongful supply
Select Cover
The following areas of cover are not included in the Select policy wording to offer a product more suitable to recruitment businesses that always operate under their own standard terms of business and can then benefit from lower premiums compared to Premier policyholders. Should a situation arise where wider cover is required for a particular contract this can be added in separately.
- Additional Insured and Subrogation Waiver
- Contractual Liability. Unless it would have attached in the absence of an agreement
- Vicarious Liability from the professional negligence of placed personnel
- Contractual Liability for the professional negligence of placed personnel
- Dishonesty of placed personnel
- Breach of Confidentiality – contractual liability for placed personnel
- Intellectual Property Rights – contractual liability for placed personnel
- Libel and Slander – contractual liability for placed personnel
Please click on the link above to download a PDF copy of the brochure.
Industry Sectors
Both of these specialised insurance programmes have been developed in conjunction with syndicates at Lloyd’s and can cater for most sectors including Rail, Construction, Healthcare, Offshore, Aerospace, IT, Oil & Gas and many other sectors.
Territorial Limits
Our Multinational wording offers protection for Businesses operating in the UK and those venturing worldwide including USA & Canada and can accommodate businesses with entities domiciled outside of the UK.
Through our Lloyd’s Brussels underwriting facility we can also accommodate EEA registered entities.
Standalone Quotations
Within our capacity as Lloyd’s Brokers we also offer standalone quotations for liability, professional indemnity and medical malpractice insurance for sectors other than recruitment.