{"node":{"id":"7a6e3ffe-7eec-439a-b94e-cc0dc983d983","handle":"7a6e","type":"note","authorName":"PI Insurance","intent":"learning","title":"PI insurance for recruitment consultants (piinsurance.com.au/recruitment-consultants/)","aiSummary":null,"content":"PI for recruitment consultants covers claims that a placement, a missed check or a privacy slip cost a client or candidate money. Permanent recruiters usually buy $1m to $2m; labour hire needs more.\n\nSource: https://piinsurance.com.au/recruitment-consultants/, fetched from the preview https://pi-react-4ee768.pages.dev/recruitment-consultants/ on 10 Nov 2026; site dated 3 Nov 2026. Preview wording, not yet broker-reviewed. General information, not advice.\n\nSite label: Usually asked for in client contracts.\n\n## Why you need it: your clients\n\nClients and the businesses you place people with often require PI in their terms of business. Labour hire is licensed in some states; check with your state regulator what cover the licence expects.\n\n## Typical limits\n\n$1m to $2m for permanent recruitment. Labour hire and contractor placement often needs $5m or more, and public liability as well.\n\n## What can go wrong\n\nIllustrative scenarios, not real claims.\n\n### A placed candidate with a false history\n\nYou place a finance manager whose referees turn out to be friends. The candidate leaves after a fraud and the client says your checks were not done.\n\n### Confidential details sent to the wrong client\n\nA shortlist with salary and contact details goes to the wrong company. A candidate complains and the client claims the cost of responding.\n\n## Common exclusions to watch\n- Losses from the candidate's own dishonesty, unless the policy extends to it\n- Employment disputes with your own staff\n- Contractors you employ and pay yourself (labour hire is rated separately)\n- Fines\n\nWording differs between policies. Read the policy wording, or ask us to point out what it says.\n\n## Types of recruitment consultants\n\n### Permanent recruitment\n\nThe main risk is the quality of reference and qualification checks.\n\n### Contract and labour hire\n\nRated differently because you are often the employer. Tell the broker how many contractors you have on hire.\n\n### Executive search\n\nFewer placements but larger fees and larger claims.\n\n## Common questions\n\n### Do recruitment consultants need professional indemnity insurance?\n\nClients and the businesses you place people with often require PI in their terms of business. Labour hire is licensed in some states; check with your state regulator what cover the licence expects.\n\n### How much PI cover do recruitment consultants need?\n\n$1m to $2m for permanent recruitment. Labour hire and contractor placement often needs $5m or more, and public liability as well.","capturedAt":"2026-11-10T01:01:09.582Z","createdAt":"2026-11-10T01:01:09.583Z","updatedAt":"2026-11-10T01:01:09.583Z","spanId":null,"contributor":null,"audiences":[{"kind":"public","createdAt":"2026-11-10T01:23:55.539Z"}],"fingerprint":"39eef4e2033aa7b48328a6724f1c95ca1aab1b03f8e262df4ba571a3f4fa7d97","revisionNo":"1","structureHash":"ab7bfb81d8fc984c9940ec2ee548f83afa47f7336f88cc4042ecc67a51e2ee44","page":"https://lattris.com/by/2/memories/7a6e3ffe-7eec-439a-b94e-cc0dc983d983"},"links":[{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for project managers, or they do both: its limits, examples and exclusions.","hash":"0608d3cc5a3c67b0c7fc506b3f775212fd6075d8212b3ed37d3e82eb38e6eab5","node":{"id":"0bc44ef3-2a46-483f-b185-cc1a1bb16ab7","handle":"0bc4","type":"note","title":"PI insurance for project managers (piinsurance.com.au/project-managers/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/0bc44ef3-2a46-483f-b185-cc1a1bb16ab7?links=1","fingerprint":"c898a7a7f6162b391871a7fef103085468788971573d166bff3217048d73076f","revisionNo":"1","structureHash":"55a84eef4da7050faf3ec2cf9ac34b66e01bae299850f5481c1733fc409210f9","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/0bc44ef3-2a46-483f-b185-cc1a1bb16ab7"}},{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for trainers and coaches, or they do both: its limits, examples and exclusions.","hash":"711ce6344afa2a7a2c83657b7cf2bb4fdc569d0902f582c30788d412ad601495","node":{"id":"16af6446-35aa-4ae5-a1eb-d8fa57fb1263","handle":"16af","type":"note","title":"PI insurance for trainers and coaches (piinsurance.com.au/trainers-and-coaches/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/16af6446-35aa-4ae5-a1eb-d8fa57fb1263?links=1","fingerprint":"21242d66e9bd2a4d36c37dac77b0dcf99037cf4b76162672cb8d10d5f425a77d","revisionNo":"1","structureHash":"dc832b251ffdd3fbc517f7b8237e0f2f89c6931a3570fcab5d1ed6a3dbfa9a1b","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/16af6446-35aa-4ae5-a1eb-d8fa57fb1263"}},{"direction":"out","verb":"references","reason":"Follow when the person's work is closer to the page for HR consultants, or they do both: its limits, examples and exclusions.","hash":"26f0a783818a7dbc0d32b79b4c7a8095cc8d5ed0150f45d9eeb4de4fb7743b8f","node":{"id":"2cd5f16b-6394-4e4f-b4e1-e4807e92651d","handle":"2cd5","type":"note","title":"PI insurance for HR consultants (piinsurance.com.au/hr-consultants/)","aiSummary":null,"erased":false,"href":"https://lattris.com/api/lattris/by/2/memories/2cd5f16b-6394-4e4f-b4e1-e4807e92651d?links=1","fingerprint":"c3935627b64c9f4888b7bd615bf822b51e2b72b1800ae7d94fcabb08a5905d76","revisionNo":"1","structureHash":"00433400119e33043ed3e44e15a7e73a92d57fd15e2f9709423ac92df0b6b75b","intent":"learning","authorName":"PI Insurance","page":"https://lattris.com/by/2/memories/2cd5f16b-6394-4e4f-b4e1-e4807e92651d"}},{"direction":"out","verb":"references","reason":"Follow when the person's client has complained or threatened to sue.","hash":"9d0612dfd1bb5b87c603c95946d466734c067509876989e0f6ed7b66ef4bab0f","node":{"id":"336d6f2e-1926-4df6-9677-aba43b727b49","handle":"336d","type":"note","title":"A client is threatening to sue. 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