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Business Insurance for Recruiters
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Recruiting
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Why do recruiters need insurance?
Your work affects individual careers and broader business outcomes, so the stakes are high. In the event of a lawsuit, recruiter insurance will help pay for the cost of hiring a lawyer, a court-ordered judgment, or a settlement. It also covers unexpected losses such as a fire, theft, or injury.
One application, multiple quotes
Insureon helps recruiters compare small business insurance quotes from top U.S. carriers online.
Get several quotes with one easy application.
What types of business insurance do recruiters need?
These insurance policies cover the most common risks of talent acquisition.
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for recruiters and recruitment agencies to buy general liability coverage and commercial property insurance together.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
General liability insurance
This policy covers basic business risks, such as a client tripping on the front step of your agency. Bundle it with commercial property insurance for savings in a business owner’s policy.
BEST FOR
- Client property damage
- Client injuries
- Defamation and copyright lawsuits
Professional liability insurance
A professional liability policy covers legal fees when a recruiting firm or headhunter is sued for unsatisfactory work. It's sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Accusations of negligence
- Failure to fill a position on time
- Work mistakes or oversights
Workers’ compensation insurance
Most states require workers' comp for recruiting businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
This type of insurance covers financial losses when a recruitment agency's vehicle is involved in an accident. Most states require this coverage for vehicles registered to a business.
BEST FOR
- Property damage caused by your vehicle
- Third-party injuries from an auto accident
- Vehicle theft and vandalism
Cyber liability insurance
This policy helps freelance recruiters and other recruiting professionals survive data breaches and cyberattacks by paying for customer notification costs and other expenses.
BEST FOR
- Client notification costs
- Data recovery costs
- Fraud monitoring services
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
A recruiter who works independently will pay less for insurance than a larger business.
Factors that affect premiums include:
- Professional services offered, such as recruitment services
- Business property and equipment
- Business income
- Types of insurance purchased
- Policy limits and deductibles
How do I get recruitment agency insurance?
It's easy to get insurance for recruiters and temporary staffing agencies if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance coverage for recruiters and staffing firms, whether you work independently or hire employees.
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