Recruitment is a deceptively high-liability business.
Read your client contracts before you buy anything – in recruitment, the contracts effectively write your insurance schedule for you. The four traps that catch agencies: vicarious liability excluded from PI; temps not counted as employees under EL; supplying drivers without drivers' negligence cover; and fidelity bonds promised to clients but never purchased. A specialist scheme costs little more than a generic policy and is built around exactly these clauses.