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HR insurance

You help your clients get the most out of their people. We help you get the most out of your insurance.

Why do HR and recruitment consultants need to consider insurance?

Rapidly changing employment laws, along with Australia’s skills shortage, have led to increased reliance on recruiters to find talent.

This pressure on the HR and recruitment sector could expose you to claims like failure to perform necessary background checks on candidates.

Professional indemnity insurance, also known as errors and omissions insurance, can help protect you from financial loss in the event of such a claim.

What’s covered?

  • Up to $10 million professional indemnity cover

    The limit of liability is the maximum amount that can be received under the insurance policy for a successful claim.






  • Breach of duty

    Cover for claims from alleged breaches of fiduciary duty in the performance of professional services.

  • Defamation

    Cover for claims for defamation, libel and slander committed in the performance of professional services

  • Breach of privacy or confidentiality and intellectual property infringement 

    Cover for claims alleging breaches of privacy law or confidentiality, and cover for breaches of intellectual property rights in relation to trade secrets and patents.

  • Lost or damaged documents

    $500,000 maintained property cover for third-party documents.

  • 7 years automatic run-off cover

    Applicable to IT consultants, management consultants, miscellaneous professions, multimedia consultants, recruitment consultants and travel agents (subject to policy wording terms and conditions).

  • Public liability as an optional extension

    Help protect your business against third-party claims resulting from accidents or injuries that result from your business activities with public liability insurance.

Additional cover we can arrange

Products and services

Public liability cover

Protect your business against third-party accidents and costly legal fees. Let us arrange the right cover for your needs.

Learn More

Products and services

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Learn more

Product and services

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Help protect your small business with cyber insurance solutions arranged by Marsh.

Learn more

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language.

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Tailored to your industry

Marsh brokers are experts in your industry, and can arrange an insurance solution unique to HR and recruitment risk exposures and needs.

Easy online quote

Our online quote is easy to use and can give you an estimate in minutes, so you can get back to what you do best – managing your business.

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year numerous times at the Australian Insurance Industry Awards.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

Professional Indemnity Insurance may help cover:

  • Settlement judgements

  • Claims investigation costs

  • Defence costs 

  • Breach of duty 

  • Intellectual property 

  • Breach of privacy or confidentiality 

  • Defamation  

  • Lost or damaged documents

  • Reputation repair

  • Negligence.

Professional indemnity insurance typically can’t cover:

  • Existing circumstances 

  • Intentional damage

  • Contractual obligations

  • Bankruptcy.

Professional indemnity insurance can cover you for up to $10 million.

‘Claims made’ is a term used to describe an insurance policy that covers claims during the policy term – not necessarily when the alleged incident occurred. 

This is because advice or service errors in many professions are often discovered weeks, months, or even years after the mistake was made.

Therefore, a professional indemnity policy – or 'run-off' policy – must be in place for a claim to be met by an insurer.

This policy also applies to changes to the limit of indemnity.

You can contact your Marsh representative. They’ll help you with lodging a claim.

Related insurance solutions

slected option

Management liability cover

Protect your business – and your team – against management and operational risks with management liability cover.

Business insurance

Looking for specialist expertise? Our brokers will tailor business cover for you – no matter your industry.

Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Accountancy insurance

You can count on Marsh to arrange insurance solutions to help protect you and your firm with comprehensive cover.

Bookkeeping insurance

When incidents occur, keep your financial firm running smoothly. Let us arrange comprehensive insurance for you.

Professional services cover

You’re an expert in your field. We’re experts in ours. Let us arrange professional services cover tailored to you.

LCPA 23/099

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.