Details of the work
Client contracts, worker roles and responsibility for supervision.
Consultants and business services · Business insurance
Recruitment and Staffing Insurance
Staffing services should distinguish placement from supplying and supervising workers.
Prepare your recruitment and staffing insurance enquiry around the work you actually perform, the property you rely on and your customer agreements.
Start my business enquiry →No obligation to buy. A licensed provider confirms terms and availability.
Start with your recruitment and staffing operations
The advice and deliverables in an engagement matter more than a broad consultant title. Explain what a client relies on and who implements your recommendations.
A question to put to your broker
Are temporary placements and employment-related exposures reviewed?
Prepare for your recruitment and staffing quote
Your business records
Bring your legal business name, operating locations, revenue split, employee and subcontractor details, current policy and claims history. Identify changes planned during the coming year.
Provide sample contracts, deliverables, client sectors, project values and any subcontractors. Identify regulated advice, certification work or work outside Canada.
Coverage questions to compare
Discuss professional liability, contractual obligations, intellectual property and privacy exposures. Confirm how the policy describes all services and applicable reporting requirements.
Use the guides below to prepare questions, rather than assuming every section is required or included. A package name alone does not establish what is insured.
- Errors and omissions insurance →
- Cyber liability insurance canada →
- Commercial crime employee dishonesty →
Keep proposals comparable
Use the same declared activities, locations and values. Compare limits, deductibles, exclusions, defence costs where relevant and the full policy term. Highlight contractual insurance requirements before you accept a proposal.
Discuss my coverage needs →Claims scenario: recruitment and staffing
Hypothetical scenario
A client alleges an error in a placement service.
Preserve the relevant agreement, photographs and incident records, and notify the insurer according to the policy instructions. Ask how the declared recruitment and staffing activities, cause of loss and applicable exclusions affect the review.
Actual outcomes depend on the facts and wording. This example is not a promise that a claim will be paid.
Questions before you request recruitment and staffing insurance
What can change the cost of my proposal?
The activity details, scale, locations, claims history and selected terms affect an individual review. For recruitment and staffing, start with these details: client contracts, worker roles and responsibility for supervision. A published example is not your quote.
What if I add another service?
Tell the provider before relying on cover for the new activity. Describe how it changes the operation and ask whether an endorsement or separate policy is needed.
Are temporary placements and employment-related exposures reviewed?
Send the exact activity description and relevant contract to the licensed professional. Ask for the applicable policy sections and exclusions to be explained, and obtain confirmation of accepted activities and effective dates.
Take the next step
Bring this checklist to your insurance conversation. Submitting an enquiry does not bind coverage.
Start my business enquiry → Explore consultants and business services →General information. Browse all business activities.
