Product Information

Tailored for the Recruitment Industry with customised terminology and extensions and providing the benefit of three essential insurances in one package – broad general liability, professional liability and management liability insurances. The Package provides complete flexibility with each coverage as optional allowing a choice between one, two or all three insurances. This product is suitable not only for recruitment agencies, but also for labour-hire companies, contractor management firms and group training organisations.

Policy Features

Section 1 – General Liability Coverage

  • Advertising Liability
  • Personal Injury
  • Property Damage
  • Property Owners / Tenants Liability
  • Vicarious Liability
  • Property in care, custody, control to $250,000
  • Vehicles in care, custody, control to $250,000
  • On-Hired Contractors Extensions (available)

Section 2 – Professional Liability Coverage

  • Breach of Professional Duty
  • Contractual Liability
  • Defamation
  • Intellectual Property Infringement
  • The Australian Consumer Law breaches
  • Dishonesty
  • Claims Preparation Costs and Court Attendance Costs
    to a combined sub-limit of $250,000
  • Consultants and Agents (Insured’s liability)
  • Continuous Cover
  • Inquiry Costs
  • Joint Venture Liability
  • Loss of Documents
  • Public Relations Costs to $10,000
  • Reinstatement of Limit
  • Run Off Cover

Optional Extensions:

  • Fidelity to $250,000
  • On-Hired Contractors cover
  • On-Hired Medical Services cover
  • On-Hired Services cover
  • Previous Business cover
  • Costs in Addition Limit of Indemnity

Available:

  • Costs in Addition Limit of Indemnity
  • Costs Exclusive Excess

Management Liability Coverage

  • Directors’ and Officers’ Liability
  • Insured Organisation Reimbursement
  • Insured Organisation Liability
  • Crisis Cover to $50,000
  • Employment Practices Liability – sub-limited (optional)
  • Third Party Discrimination or Sexual Harassment to $250,000 (optional)
  • Fidelity to $500,000 (optional)
  • Trustees’ Liability – sub-limited (optional)
  • Internet Liability to $100,000 (optional)
  • Tax Audit Costs – sub-limited (optional)
  • Advancement of Defence Costs
  • Attendance Costs to $10,000
  • Continuous Cover
  • Emergency Defence Costs to $50,000
  • Extended Reporting Period – up to 24 months
  • Former Subsidiaries
  • Fraud Investigation Costs to $25,000 (optional)
  • Joint Venture Liability
  • New Subsidiaries
  • OH&S Defence Costs – Insured Persons
  • OH&S Official Investigations and Defence Costs – Insured
  • Organisation – to $500,000
  • Outside Entity Directorships
  • Pollution Defence Costs to $1,000,000
  • Preservation of Indemnity
  • Protection of Assets and Liberty to $50,000
  • Public Relations to $50,000
  • Reinstatement for Directors’ and Officers’ – sub-limited
  • Retired Directors’and Officers’ Run-Off Cover
  • Run-Off Coverage
  • Statutory Liability to $1,000,000
Pen Underwriting