Recruiter Insurance

small business owner protected by recruiter insurance

Recruiter Insurance That’s the Right Fit for You

In the fast-paced world of recruitment, your focus should be on connecting talent with opportunity – not worrying over unexpected setbacks. Recruiting insurance helps safeguard your business from the unique risks you face, so you can keep building meaningful relationships.
 
Quote Today
small business owner protected by recruiter insurance

Why Do You Need Recruiter Insurance?

As a recruiter, you handle sensitive information and complex hiring processes every day. With coverage that helps protect your staff and your operation, insurance for recruiters allows you to confidently manage your business. Recruiter insurance is made up of different types of business insurance coverages to help protect you from everyday risks. It commonly includes:
 
small business protected by headhunter insurance

Who Needs Headhunter Insurance?

If your business works to recruit talent for other companies, you can benefit from business insurance. This coverage can help protect:
 
  • Independent recruiters and headhunters
  • Staffing agencies
  • Employment placement services
  • Executive search firms
  • Recruitment consultants
  • Temporary staffing agencies
  • HR and recruitment outsourcing companies
  • Career coaches providing placement services
  • Freelance recruiters working with multiple clients
small business owner protected by insurance for recruiters

What Type of Insurance Do I Need for Recruiting?

To help protect your recruiting business, having a Business Owner’s Policy (BOP) is a smart start. Most recruiters choose this as part of their coverage for the peace of mind it can provide.
A BOP combines three essential types of coverage into a single policy to help protect your recruiting business from claims of bodily injury and property damage:
 
At The Hartford, we know every recruiting business is unique and faces different risks. That’s why we’ve made it easy for you to add other types of insurance to your BOP for well-rounded protection.
 
 

How Much Does Recruiter Insurance Cost?

The cost of recruiter insurance varies, but here are the average amounts small business insurance customers of The Hartford pay for common types of coverage:**
 
  • BOP: $1,687 a year, or about $141 a month
  • Standalone general liability insurance: $810 a year, or about $68 a month
  • Workers’ compensation insurance: $1,032 a year, or about $86 a month
It’s important to remember that insurance costs vary because every business owner has unique needs. Insurers also use different factors to determine rates. The best way to find out how much recruiter insurance will cost is to get a quote.
business owner protected by recruiters insurance

We’ve Got You Covered 24/7

Get your proof of insurance online whenever you need it. No waiting, no hassle – we’ve got you covered with 24/7 access to your certificate.

Covering Your Operations

Helping companies find the right talent and connecting people to new job opportunities is a lot of responsibility. From client injuries to office closures, we understand the risks you face. With the right coverage, you can focus on growing your agency without worrying about unexpected setbacks.
The average settlement for a personal injury case is over $55,000.2
general liability insurance for recruiters

General Liability Insurance

“A client slipped in our office after the floor was mopped and ended up with a concussion.”
 
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance for recruiters

Employment Practices Liability Insurance

“An employee was passed over for a promotion and claimed their manager was biased against them because of their age.”
 
Employment practices liability insurance (EPLI) helps protect your recruiting business from employment-related claims, like wrongful termination, discrimination and harassment.

Taking Care of Your Team

Taking care of your team is vital for your recruiting business’ success. Your employees face risks every day, but having the right business insurance coverage can protect them.
There were 2.8 million workplace injuries and illnesses reported by private industry employers in 2022.3
workers' compensation insurance for recruiters

Workers’ Compensation Insurance

“One of my staff was using a step stool to reach a file when she slipped and broke her ankle. We had to take her to the hospital right away.”
 
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help cover their medical bills and replace lost wages. With The Hartford, your employees also have access to a network of over 1 million providers and 65,000 pharmacies.
data breach insurance for recruiters

Data Breach Insurance

“My consultant clicked on a link in an email that I thought came from a candidate I was trying to recruit for my client. My computer ended up getting hacked, exposing sensitive information about my clients.”
 
Data breach insurance can help you respond to a breach if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen. Some insurers call this coverage cyber insurance.

Protecting Your Property

Property damage or equipment theft can grind your recruiting business to a halt. Whether it’s replacing stolen equipment or recovering lost income, the right type of recruiter insurance can keep your business moving forward despite unexpected challenges that come your way.
Just one incident of vandalism costs small businesses an average of $3,370.4
commercial property insurance for recruiters

Commercial Property Insurance

“Someone threw a rock into the front window of our office, and now we’re dealing with broken glass that needs replacing.”
 
Commercial property insurance helps protect the owned or rented buildings, computers, furniture, inventory and supplies you use to operate your recruiting firm.
business income insurance for recruiters

Business Income Insurance

“A storm knocked a tree directly into our data center. We couldn’t operate for two weeks until the system was back up and running.”
 
Business income insurance can help replace your lost income if you can’t operate your recruiting business due to covered property damage. This coverage can help you pay for ongoing expenses like rent, payroll and utilities.

Frequently Asked Questions About Recruiter Insurance

Recruiter insurance is a collection of business insurance coverages that can help protect your small business from different claims. For example, if a client slips and falls in your office and gets hurt, general liability insurance coverage can help pay for their medical bills. Additionally, you can get commercial auto insurance to protect you and your employees on the road if you’re using business-owned vehicles for work.
Your recruiting business needs insurance to help cover the costs associated with property damage and liability claims. Without it, you could face significant out-of-pocket expenses, which could be financially devastating. Some states may also require specific types of business insurance.
The best way to get recruiter insurance solutions from The Hartford is to get a free quote online. We make it simple to get a quote in a few minutes.
small business owner happy after getting recruiter insurance quote

Get a Quote for Recruiter Insurance

Get the protection you need to grow your recruiting business with confidence.
 
Quote Today
 
 
Last Updated: April 10, 2025
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
2 Brown & Crouppen, “Average Personal Injury Settlement Amounts”
 
3 U.S. Bureau of Labor Statistics, “2.8 Million Workplace Injuries and Illnesses in Private Industry in 2022”
 
4 Chron, “How Much Can Vandalism Cost a Business?”
This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.
 
All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.
 
Additional disclosures below.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. listed in the Legal Notice.
 
The Hartford Insurance Group, Inc., (NYSE: HIG) operates through its subsidiaries under the brand name, The Hartford, and is headquartered in Hartford, CT. For additional details, please read The Hartford’s Legal Notice.
 
* Customer reviews are collected and tabulated by The Hartford and not representative of all customers.
Get a Business Insurance Quote