RECRUITMENT INSURANCE Arthur J. Gallagher have been working for recruitment professionals for over 20 years. As one of the leading insurance brokers in the world, we have combined our reputation and industry knowledge to deliver a fresh new approach to providing advice and insurance to the recruitment industry.
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RECRUITMENT INSURANCEArthur J. Gallagher have been working for recruitment professionals for over 20 years. As one of the leading insurance brokers in the world, we have combined our reputation and industry knowledge to deliver a fresh new approach to providing advice and insurance to the recruitment industry.
ARTHUR J. GALLAGHER – RECRUITMENT INSURANCE
Arthur J. Gallagher have been working for recruitment professionals for over 20 years. As one of the leading insurance brokers in the world, we have combined our reputation and industry knowledge to deliver a fresh new approach to providing advice and insurance to the recruitment industry.
At Arthur J. Gallagher our approach to insurance gives you the peace of mind that your business is covered for your requirements and that you are not paying for cover that you don’t need.
Rather than making you fit to our policy, we will make our policy fit around you. Our modular insurance package allows you to choose the insurance products that you require in one commercial insurance package that is right for your business - no more, no less.
To find out how our recruitment insurance packages can work for you review our modular options below and then call us on 0800 612 3649
RECRUITMENT INSURANCE AJGINTERNATIONAL.COM ARTHUR J GALLAGHER 3
Public & Products Liability - This section of cover is included in all of our recruitment insurance policies as it protects your business if you are found legally liable for property damage of, or accidental injury to, members of the public and third parties in the course of your business activities. Importantly t he policy extends to include the liability of the personnel you supply.
Employers Liability - If you employ staff this insurance is compulsory under the Employers Liability (compulsory insurance) act 1969. This cover protects your business if you are found legally liable for the injury or illness of an employee. This cover includes your own staff and the personnel you supply if you are found to be legally liable.
Drivers Negligence -This cover is available as an extension to the Employers and Public & Products Liability policy and covers you for damage caused to your clients’ HGV vehicles when it can be proven the cause of the damage was the negligence of the temporary driver you supplied. Your clients may make you liable under contract in respect of such damage caused by the negligence of temporary drivers.
Professional Indemnity -This insurance covers your defence costs and any resulting damages awarded as a result of allegations made against your business for negligent acts, errors or omissions or breach of professional duty in your recruitment process. It includes cover for liability resulting from:-
• Loss of Documents, Dishonesty of Employees, Data Protection Act 1998, Libel and Slander, Intellectual Property Rights and Breach of Confidentiality.
• Retroactive date cover is included at no extra cost. The retroactive date enables the Pen policy to cover work done before our policy inception date providing that you have had continuous PI cover since the retroactive date you choose.
• Cyber cover is included as a no cost option up to £10,000. This covers the typical cost of rebuilding web sites. Higher levels of indemnity can be quoted.
Fidelity Bonding is available as an optional extension of the Professional Indemnity policy. This insurance is often required by clients who are involved in the supply of drivers or warehousemen and provides cover against the proven dishonest acts of the temporary staff supplied.
Personal Accident pays the business in the event of an accident to/from or at the workplace causing Death, Loss of Sight or Permanent Total Disablement from any occupation. You can choose to cover your temporary and / or permanent workforce up to £25,000 for each claim.
Directors & Officers - It’s the Company that has limited liability not its key officials. This optional insurance provides personal liability protection for directors, officers and other key employees of Ltd companies in respect of civil and criminal offences including financial mismanagement, breach of company, tax and environmental laws. It can also be extended to provide protection against allegations of wrongful Employment Practices.
Legal Expenses - This Includes a 24 hour telephone Legal Advisory Service for any business legal enquiries you have. The insurance covers your legal costs for:-
1. Defence costs in employment disputes (including awards) with employees, prospective employees, prospective candidates, ex-employees and temporary workers. This includes Employment and Agency Workers Regulations disputes.
2. Defending civil proceedings relating to racial, sexual and age discrimination etc.; Statutory Notice disputes; Contract disputes (defending and pursuing); Defence costs in an in-depth HMRC investigation including IR35 disputes.
You can choose your cover limit of up to £100,000 from any single claim with an aggregate limit of claims in any one year of £1,000,000.
Property insurance - covers ‘All risks’ of loss or damage to property that belong to your business. You choose what you wish to cover: buildings, glass, contents, portable equipment away from the premises, computer breakdown, loss of data and increased cost of working and/or any resultant loss of income following an insured business interruption. We automatically include cover for subsidence, heave and landslip when the buildings are insured.
The cover sections are optional. You build the cover to suit your specific set up.• Buildings cover including subsidence, heave and landslip.• Loss of rent. • Tenants improvements and landlords fixtures and fittings.• Contents including Computer equipment.• Computer Breakdown cover, loss of data.• Portable Electronic equipment.• Increased Cost of Working (Additional costs cover).• Loss of Revenue.
Arthur J.Gallagher
Walbrook Office The Walbrook Building 25 Walbrook London EC4N 8AW
Tel: +44 (0) 0800 612 3649 Email: [email protected]
www.ajginternational.com/recruitment
Arthur J. Gallagher Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered Office: Spectrum Building, 7th Floor, 55, Blythswood Street, Glasgow, G2 7AT. Registered in Scotland. Company Number: SC108909.
Arthur J. Gallagher Founded by Arthur Gallagher in Chicago in 1927, Arthur J. Gallagher & Co. has grown to become one of the largest insurance brokerage and risk management companies in the world. With significant reach internationally, the group employs over 20,000 people and its global network provides services in more than 140 countries.
Outside the US, we use the brand name Arthur J. Gallagher.
Wherever and whenever there is risk we’re there for our clients – from individuals to small businesses to international conglomerates. Our people, our technical expertise and our global reach delivers first class coverage, risk management and placement expertise. We work seamlessly across countries and international territories. Where we do encounter difficulties and complexities we meet them head on. We remove barriers never letting them get in our way.
We just do not give up; whether it’s sourcing cover for the thatched cottage in England; cyber risks across European borders; complex coverage for the international supermarket chain; marine cargo in Australia; political risk coverage in developing economies; energy cover in extreme environments; or helping our banking partners with their comprehensive homeowner offer. We work tirelessly to provide solutions that drive value and competitive advantage for the benefit of all our clients and we nurture our people to do what they do best – promoting and protecting our clients’ interests.
Family values have been core to our culture since our company was founded and this drives the way in which we, Arthur J. Gallagher, look after our clients.
Since 1927 we have built our business for today.
For tomorrow, we continue to invest in our business.
A business without barriers.
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