What is it?

Our Staffing & Recruitment Bundle is custom-tailored to your industry and features many unique enhancements. The core program consists of both Professional Liability Insurance and Commercial General Liability Insurance.

• Professional Liability Insurance will protect your business from allegations of errors, omissions, or negligence committed within the scope of your professional activities.
• Commercial General Liability Insurance (CGL) will protect your business from third-party claims of bodily injury, property damage, and reputational harm caused by your professional activities or company operations.

Highlights Include:

• Cyber Lite Coverage: Your plan includes a $2,000,000 sub-limit for claims related to Cyber Liability.
• Employment Practices Liability Coverage: This coverage protects your business from claims brought against you by employees, such as wrongful termination, discrimination, harassment and more.
• Directors & Officers Coverage: Your policy automatically includes $250,000 of protection for business owners and key employees in the event a lawsuit is brought directly against them by another party.
• Fines & Penalties: Your policy offers coverage for fines and penalties due to a Federal, Provincial or Territorial Law Violation.
• Voluntary Property Damage: This coverage provides you with funds that you can give to your client as compensation for any damage to their property caused by you or your candidate’s negligence and available when the client doesn’t sue you.
• Legal Expense Coverage: A unique coverage which provides access to legal services when you have questions or concerns related to: Employment Disputes, Legal Defence, Statutory License Protection, Tax Protection, Property Protection and more.
• Remediation Expenses: This includes coverage for reasonable and necessary expenses resulting from any actual or alleged privacy or security breach, such as credit monitoring and client notification costs.

Why do we recommend it?

Any organization that provides advice or a service to clients for a fee is at risk of legal action. Even if you’ve advised clients to the best of your knowledge and ability, a disgruntled party could still sue as long as they believe there’s been an error, if they’ve been injured, or if their property is damaged as a result of your business operations. With our comprehensive Staffing & Recruitment Bundle, you’ll have the minimum protection you need in the event of a lawsuit. Plus, our comprehensive package is enhanced with unique features that are tailor-made for your industry including CyberLite coverage, Employment Practices Liability Coverage, Directors and Officers Coverage, and more.

What is it?

Cyber Insurance defends you in the event of a privacy breach, like when your company’s information is exposed or stolen by a hacker or accidentally released by an employee. This policy typically includes the following coverages:

• Legal coaching on how to handle the breach with privacy regulators;
• Legal fees in the case of a civil suit;
• Funds for court-awarded damages;
• Public relations services for managing the negative reputational impact resulting from the breach;
• Provisions for credit monitoring and client notification costs in the event of a breach.

Although CyberLite coverage is automatically included in the Staffing & Recruitment Bundle, we still recommend that all firms obtain a standalone Cyber Insurance for comprehensive protection.

Highlights Include:

• Coverage for First Party Liability Expenses, like those associated with: Event Support Services, Crisis Management Expenses, Network Business Interruption, Digital Asset Restoration, Network Extortion/Ransomware, Cyber Crime, Computer Replacement, and Business Interruption.
• Coverage for Third Party Expenses in the event that you’re sued by a third party whose data was compromised in the breach. This includes costs associated with Privacy Regulation Penalties, Multimedia Liability, Payment Card Industry Fines and Penalties, and more.

Why do we recommend it?

Any business that collects, stores, and transmits confidential data is at risk of a privacy breach. And Staffing & Recruitment Professionals are particularly vulnerable because of their access to confidential employee and client data and valuable third-party connections. But with Cyber Insurance, you can protect your business from financial loss, manage reputational harm, and get back online following a breach.

What is it?

Fidelity & Crime Insurance protects organizations from intentionally wrongful, dishonest, and criminal actions committed by company employees, executives, or owners, such as theft, forgery, extortion, embezzlement, and any other fraudulent activities.

Highlights Include:

• Social Engineering Fraud Coverage can be added. Social Engineering Fraud Coverage will protect you in the event an imposter poses as a senior manager, employee, or vendor to gain access to confidential data or commit fraudulent transfer of money.

Why do we recommend it?

Staffing & Recruitment firms have access to sensitive employee and client data, like passport scans, payroll info, bank details, e-signatures, SIN numbers, and more. That’s why any company that has employees handling confidential information should invest in Crime Insurance. Because no matter how much you trust your team, a scam by even your most loyal worker could have a crushing impact on your bottom line–but your business shouldn’t have to pay the price.

What is it?

Directors & Officers Insurance protects your business leaders and board members if they’re personally sued for any actual or alleged wrongful acts in managing the company.

Highlights Include:

• Side A Coverage: Protects Directors and Officers in the event of a claim where the company cannot or will not cover their personal liability. Specifically, Side A will extend coverage to the Director/Officer for any financial exposure related to wrongful acts allegedly committed before or during the policy period, protecting their personal assets in the process. In the event a Director/Officer is found liable, Side A Coverage would pay any legal costs or settlements up to the policy limit and included within the policy terms.
• Side B Coverage: Protects the organization in the event of a claim where it DOES decide to defend the Directors and Officers. If a Director and/or Officer is found liable, and the organization covers their legal fees/settlements, the organization can claim reimbursement under Side B of their Directors & Officers Policy.
• Side C Coverage: Protects the entity itself for any claims related to traded securities. For example, if shareholders filed a lawsuit related to securities traded on the stock market, Side C would extend coverage for any legal costs incurred by the company in the process of defending itself.

Why do we recommend it?

As a Staffing & Recruitment Professional, you know how serious staff allegations are–and how unpredictable and aggressive employees and independent contractors can be. That’s why all Staffing & Recruitment business owners, leaders, and board members should consider D&O Insurance. It’ll protect your business and personal assets if you’re named individually for any claims of mismanagement, poor governance, employment matters, and more. 

What is it?

Commercial Property Insurance covers your business property, equipment, and furnishings.

Why do we recommend it?

Whether you own, lease, or rent office space or work from home, your general liability or homeowner’s policy won’t reimburse you for any damage to your contents, equipment, or furnishings. And without Property Insurance, the impact of repair and replacement costs following a break-in, fire, or other disaster could be financially devastating.

What is it?

Group Benefits Insurance offers fully customizable Health, Dental, and Drug plans for you and your employees at competitive rates.

Why do we recommend it?

The success of any organization relies on the well-being of its people. When employees are healthy—when they feel supported by workforce leaders—businesses are resilient in the face of an uncertain future. That’s why it’s key to protect your employees’ physical, mental, and financial health with a strong benefits package. Our Protect & Perfect approach to group benefits can align your agency with a comprehensive program that reflects your staff’s needs, business challenges, and financial goals.

What is it?

Commercial Umbrella Insurance protects your business against large losses by covering costs for substantial claims that go beyond your existing liability coverage limits, including libel, reputational damage, vehicular accidents, or customer injury.

Why do we recommend it?

The more you interact with clients, the greater the risk of third-party claims. And if someone gets hurt or if their property is damaged, you could face costly medical expenses and lawsuits that will exhaust your CGL limits, especially if you have more than one claim in a year. With Commercial Umbrella Insurance, you’ll be sufficiently protected no matter what.