When you are obtaining a quotation from Thistle Insurance Services for our Recruitment Agency Insurance product, we will require you to provide a breakdown between temporary workers placed under your Standard Terms of Business and/or any Non Standard Contracts.
To assist you with providing us with the correct information, we have put together this handy document to provide you with guidance on the contract types and why your insurers require a breakdown between the two types of contract placement.
The reason why insurers require wage rolls and turnovers split between temporary workers placed under Standard and Non Standard contracts is simply to determine the possibility of liability claims arising under the insurance policy. Once your insurers have an understanding of the liability risk, they can then rate your insurance premium accurately.
Standard Terms of Business
These contracts will include a liability clause which clearly states that you do not accept any liability in respect of any injury or damage caused by the temporary workers, and that you will not accept any liability for any errors and omissions made by the temporary workers while they are working at the hirers premises. This liability clause means that your insurers will be in a strong position to defend liability claims on your behalf should an attempt be made by anyone connected to the placement of temporary workers under this form of contract.
If you are asked to alter the liability clause in your Standard Contract Terms, then it will become a Non Standard Contract as far as your insurers are concerned, as the change may alter their chances of successfully defending any claims.
Non Standard Contract Terms
This could either represent your own Standard Terms of Business where the hirer has insisted on changing the liability clause or a third party contract which you have been asked to sign in place of your own Standard Contract Terms. It is very likely that a Non Standard Contract will include a liability clause that will require your insurers to provide liability cover in respect of any injury, damage or errors and omissions made or caused by the temporary worker you are providing.
Your insurance policy with Thistle Insurance Services automatically includes contractual liability under the Employers Liability and Public Liability. This will provide cover in he event that you sign a Non Standard Contract but only in the event that you have declared the correct wage roll splits to your insurer. The Professional Indemnity section can also be extended to include vicarious liability for the temporary workers errors and omission if you are asked to sign contracts that require you to provide this cover.
Our Recruitment Agency product offers a wide range of protection created specifically for the sector. To obtain a quotation, call the number below or enquire now.