Insurance for Professional Employer Firms

Who's it for?

  • Professional employer organisations

What does it cover?

  • Professional liability
  • Vicarious liability
  • Placed personnel dishonestly
  • Breach of the Agency Workers Regulations Act 2010*
  • Breach of contract
  • Intellectual property rights infringement
  • Pollution liability
  • Loss mitigation
  • Payment of withheld fees
  • Employers' liability**
  • General liability
  • Products liability
  • Tenants' legal liability
  • Non-owned and hired auto liability
  • Damage to hired autos
  • Employee benefits liability
  • Medical expenses
  • Property
  • Business interruption

Why do I need this?

  • As co-employers of all the employees working for their client companies, the PEO can be found legally liable for the negligence of the co-employees or for bodily injury and property damage they cause. We have a separate definition for co-employees and have included them in the vicarious liability section and in the public liability insuring clause.
  • The PEO wording includes, and contains a specific definition for, the administration of employee benefit programmes in the E&O insuring clause.
  • We provide full cyber and privacy coverage including privacy breach notification costs, system damage and system business interruption. As PEOs hold personally identifiable data on thousands of workers, this helps protect them against financial loss should this data get lost or stolen.


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