Business Insurance for human resource professionals

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Why do human resource professionals need insurance?

Being an HR professional is stressful. On the one hand, you have demanding clients with positions to fill. On the other, you need to thoroughly vet applicants before placing them in new work assignments. If you run your own HR consulting business, your name, brand, and reputation are on the line. Clients need to immediately fill vacancies and if a temp gets too tempted and steals office supplies, your client might sue you. Clients might also pursue legal recourse if your onboarding or training process isn't sufficient and they lose money over a mistake a new hire made. 

Aside from meeting client demands, there are other reasons why HR professionals need insurance. A recently terminated employee might sue the HR rep for placing them in the wrong position. A client could sue if they slip and fall in your office. A lawsuit can also result if your firewalls are breached and your client or employee data gets into the wrong hands. 

Hiscox offers customized business solutions that give you the courage to take the right risks. With liability insurance, you can protect yourself from claims. And, you can protect your business and brand as you take on new clients and applicants. 

Related HR professions we insure

Insurance policies available for human resource professionals

Each insurance policy has unique protections that help you confidently take the right risks.

Professional liability insurance for HR-related businesses

Professional liability insurance is also called an errors and omissions or E&O policy. It provides coverage against lawsuits charging negligence or personal injury, such as slander or libel. You can be sued for almost anything, and professional liability coverage protects you even if you haven’t made a mistake.

Here’s an example. You place an executive-level candidate at a start-up company for a short-term contract. The executive turns out to not have the experience they claimed, and misses an important deadline for a legal filing. The client company sues you for not properly vetting the candidate. Your professional liability insurance policy could cover your defense costs, as well as the cost of a settlement or judgment. 

General liability insurance for HR-related businesses

General Liability or Commercial General Liability (CGL) protects your HR business from various risks. A basic policy can include coverage against client injury, property damage, and slander claims. An applicant can sue if they fall in your office. If one of your employees makes false and disparaging statements about a client, they could sue. Your CGL can defend you from common HR-related risks like these. 

At Hiscox, we offer business insurance solutions for the courageous. With claims filed every day, having the best coverage can protect you from threats. Learn more about how much general liability insurance costs.

Are you expanding your HR business? Ask one of our agents about the different add-ons, riders, and other policy options that are available. We can customize our plans to support your business as your needs change.

Business Owners Policy (BOP) Insurance for HR-related businesses

Business Owners Policy (BOP) includes general liability coverage as well as coverage for your business property, like computer equipment and office furnishings. 

Cyber Insurance for HR-related businesses

Cyber Insurance is coverage against software breaches and cyber attacks. It can include fraud monitoring and detection coverage.  

Worker's Compensation for HR-related businesses

Do you have employees? State laws require this insurance. Worker's Compensation is coverage for employee injuries, illnesses, medical expenses, partial wages, and lawsuits.

Why do HR professionals choose Hiscox?

One of the biggest mistakes new HR business owners make is not getting insurance. They may assume that because they work out of their homes that their home insurance policy is adequate coverage. However, a lawsuit can cost thousands of dollars and many homeowner’s policies don’t cover business losses, or cap them at $2,500. With a fast and free application process, you can receive your policy documents on the same day.

Other benefits Hiscox offers include:

  • Claims responsiveness: Reporting a covered claim? We will immediately assign a dedicated claims representative to assist you.
  • Commitment to service: Our knowledgeable staff is available to assist with questions. We offer the highest standard in service and 4.8/5 people surveyed recommend us.
  • Coverage for contracts: Our insurance coverage satisfies most standard contract insurance requirements.
  • Custom insurance: We can customize your plan as you grow and scale.
  • Flexible payment plans: Set up convenient auto-debits. You can pay monthly payments without fees.
  • Worldwide coverage: With Hiscox insurance, you can work anywhere. If you need to file a claim, file it in the U.S., a U.S. territory, or Canada.

With Hiscox confidence supporting you, you may stumble but you'll never fall. Meet with those new clients, build your brand, and start working with new hires. And, leave the risk and worry to us. 

At Hiscox, we give our clients the courage to take the next steps with their business. Get a fast and free quote today. Call us at 1-866-283-7545. Our team of licensed agents is available Monday – Friday, 7am – 10pm ET.

This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverages are subject to underwriting and may not be available in all states.