Business Insurance for Recruiters and Headhunters

Magnifying glass held over a individual.
Choose from the nation's best insurance providers
Logos of Insureon's business insurance carrier partners

Why do recruiters and headhunters need insurance?

Your work affects individual careers and broader business outcomes, so the stakes are high. In the event of a lawsuit, insurance will help a recruitment agency 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.

Recruiter sitting in an meeting with a client.
Cursor pointing on laptop screen

One application, multiple quotes

Insureon helps recruiters and headhunters 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 and headhunters need?

These insurance policies cover the most common risks of talent acquisition.

Business owner’s policy icon

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.

  • 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.

  • Client property damage
  • Client injuries
  • Defamation and copyright lawsuits
Professional liability insurance icon

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).

  • 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
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Property damage caused by your vehicle
  • Third-party injuries from an auto accident
  • Vehicle theft and vandalism
Cyber insurance icon

Cyber 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
  • Fraud monitoring services
Looking for different coverage? See more policies.

How much does insurance cost for professional service businesses?

Professional service business owner calculating the cost of insurance.

A recruiter or headhunter who works independently will pay less for insurance than an agency.

Factors that affect premiums include:

  • Recruitment services offered
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get recruitment agency insurance?

It's easy to get insurance for recruiters and 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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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.

Verified business insurance reviews

Hear from customers like you who purchased small business insurance.

Compare insurance quotes for recruiters
Save money by comparing quotes from trusted insurance carriers.