Business Insurance for Recruiters

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A professional mistake that costs a client money might land you in court. Business insurance for recruiters helps cover legal fees and other expenses.

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Insureon helps recruiters compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of business insurance do recruiters need?

These policies provide coverage for the most common recruiting risks.

Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for recruitment agencies to buy general liability coverage and commercial property insurance together.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
General liability insurance icon

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.

  • Customer property damage
  • Partial missed wages
  • Libel and slander lawsuits
Professional liability insurance icon

Professional liability insurance

A professional liability policy, also called errors and omissions insurance (E&O), can help cover legal expenses if a headhunter is sued for unsatisfactory work.

  • Accusations of negligence
  • Failure to fill a position on time
  • Work mistakes or oversights
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Missed wages
  • Employee injury lawsuits
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers financial losses when a recruitment agency's vehicle is involved in an accident. It's required for vehicles registered to a business.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

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.

  • Client notification costs
  • Data recovery costs
  • Data breach lawsuits
Looking for different coverage? See more policies.

Why do recruiters need insurance?

Businesses rely on you to find candidates with the right blend of skills and experience. Because your work affects individual careers and broader business outcomes, the stakes are high. In the event of a lawsuit, headhunter insurance can help mitigate legal expenses and other financial losses.

How much does insurance cost for recruiters?

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Several factors will have an impact on insurance costs, including:

  • Recruitment services offered
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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