Within our capacity as Lloyd’s Brokers/Coverholders we offer Combined Liability Quotations across a variety of sectors. This includes our unique Combined Liability Offering in the Recruitment and Labour Supply Sector.
We differentiate ourselves by building your liability package specific to your needs, on an industry, sector and trade specific basis.
Our products can include Employers Liability, Public & Products Liability, Professional Indemnity, Medical Malpractice and Drivers Negligence and are designed to suit the evolving contractual demands placed on labour supply companies.
For more detailed information please review the documents below
Liability requirements in client contracts can be a legal minefield.
They are not always clearly identifiable and can be incredibly onerous without a recruitment business knowing this is the case. JMM increasingly see the use of Additional Insured and Subrogation Waiver requirements, Hold Harmless agreements, Indemnity to Principal, and indemnities for the Negligence of Placed Personnel.
Even when using best practice processes designed to encourage a client to use the recruitment business’s own standard terms of business, human error can mean unwittingly accepting an onerous client contract potentially inviting a catastrophic financial disaster.
Cover Highlights:
- Includes claims arising from placed personnel, regardless of their employment status
- Contractual Liability
- Additional Insured and Subrogation Waiver requirements in client contracts
- Indemnity to Principal
Multinational cover for:
- Claims by any State or Social Security or similar scheme for subrogation against the Assured
- Claims from employees or placed personnel who are not ordinarily resident in the EU which are settled under the relevant countries’ workers compensation law
- Difference in conditions and difference in limits protection from policies issued to the Assured overseas
- Medical Malpractice Liability
- Negligence of Placed Personnel – The Assured’s vicarious liability beyond the wrongful supply cover provided under Professional Indemnity (excludes contractual liability).
- Direct Work – The Assured’s liability from direct risks such as domiciliary care and independent living support. Contractual liability is excluded where it goes beyond the normal duty of skill and care.
Optional Extensions:
- Professional Indemnity
- Professional Negligence of the Assured (wrongful supply)
- Vicarious Liability from the professional negligence of placed personnel
- Contractual Liability for the professional negligence of placed personnel
- Dishonesty of Employees and placed personnel
- Breach of Confidentiality including contractual liability for placed personnel
- Intellectual Property Rights including contractual liability for placed personnel
- Libel and Slander including contractual liability for placed personnel
- Payment of Withheld Fees
- Medical Malpractice Liability – claims due to wrongful supply
Industry Sectors
Both of these specialised insurance programmes have been developed in conjunction with syndicates at Lloyd’s and can cater for most industries including Rail, Construction, Healthcare, Offshore, Aerospace, IT, Oil & Gas and many other sectors.
Territorial Limits
Our multinational wording offers protection for businesses operating in the EEA, UK and those venturing worldwide including USA & Canada and can accommodate businesses with entities domiciled in the EEA or UK.