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business insurance

Umbrella Insurance Cover

By working with Kingsbridge, you will have the security and knowledge that your business is supported by underwriters with unrivalled knowledge of your industry. 

Why Kingsbridge?

Kingsbridge have partnered with Zurich Insurance to develop a unique package of business insurance designed for the staffing and umbrella industry. We provide a package of cover that includes all of the key liabilities you expect, as well as protection specific to the umbrella and payroll sector. Combined with our experience and understanding of your industry, our insurance solutions provide market-leading cover representing true risk protection for your business.

Policy Benefits of our Umbrella Insurance cover

We have tailored a full insurance solution for your business, which includes the following exclusive policy benefits:

Frequently Asked Questions

So, you have some questions. We might have already answered them below.

The insurance requirements vary greatly from business to business, and this is largely dictated by their size, structure and how the business operates. Some covers, including public liability, are considered essential. Others can be required by law, such as employers’ liability (if you employ staff), whilst others will be dictated by the terms of business under which you operate. It is vital that recruitment agencies protect themselves against claims for professional negligence, by purchasing professional indemnity insurance, but aside from this, it is important that you assess what risks the business faces when arranging insurance. If you are unsure as to what cover you should be purchasing, contact a member of our team who can guide you through the process.

Professional indemnity protects you against professional negligence claims made by clients during the course of business. Claims examples include offering poor advice, failure to carry out relevant employment checks, or accidentally disclosing a client’s private data. Claims may also be bought for defamation or breach of copyright or confidentiality.

Mistakes can arise at any time, so professional indemnity policies protect you from the financial implications arising from these errors.

Retroactive cover means that your policy will cover claims made against work carried out before your policy started, and therefore you are required to provide a retroactive date as will appear on your current policy.  Professional indemnity claims operate under a “claims made” basis, which means you must have insurance in place at the time of the claim, and just when the work was carried out.

Public liability insurance, general liability insurance and third-party liability insurance are all different names for the same thing. Public liability insurance protects against two risks you run every working day; damage to the property of a customer or member of the public and physical injury to a customer, visitor or passer-by.


If a third-party is injured or their property is damaged because of your workplace or business activities, you could be held responsible. Trips, slips and mishaps can occur even when you’re doing your job with great care. And unfortunately, when they do, legal action is likely to follow. That’s when you need your public liability insurance to cover any damages, compensation or legal fees arising from the claim.

Drivers’ negligence insurance will cover the cost to repair damage sustained to the end client’s vehicle, caused by the negligence of the driver you have supplied. Only if you are made liable under contract for such damage, will you be required to take out this cover, however, this is becoming more and more common for clients to request this. The intent is to prevent the client from needing to claim on their motor policy for minor damage, such as a scrape or scuff, which in turn would affect their motor premium.


It is important to note that the cover does not extend to cover claims for third party vehicles or bodily injury.

Vicarious liability insurance, extends your professional indemnity cover to protect against negligent acts carried out by workers, which you have supplied to the end client. Whether you are required to purchase this cover or not would depend on the contract which you have entered into with the end client. Non-standard terms of business whether they are your clients terms, or an amendment on your standard contract, could make you liable for the actions of the worker, leaving you exposed to claims.

It is important to understand the extent of your liability and purchase suitable cover to protect against the risk. If you have any questions on vicarious liability or are concerned you may be exposed, talk to one of our team today.

In the unfortunate event that you need to make a claim, we ask that you contact us without delay on 01242 808741 or email Our specialist claims team will assist you through the claims process and will be on hand to answer any questions you may have.


What our clients say?

Jordan is an absolute gem. He has been very helpful, professional and quickly sorted out everything for us. He knew exactly what the business needed. Very pleasant experience. Highly recommended.
Vanda Peintler
The claims team at Kingsbridge are always on hand to provide clear and concise advice regarding any claims or potential claims. I’d have no hesitation in recommending Kingsbridge based on our now established relationship with them.
Anthony Stevens MSc FCIPP
Operations Director at Sapphire Accounting
Tom has proved to be a trusted advisor to us, for all our insurance queries. Having workers in a wide range of industries and locations can sometimes be problematic, but Tom has always been a call or email away to satisfy any concerns we have.
Zeeshan Anwar
group compliance manager, dOLAN cONTRACTOR

Speak to the experts

Speak to our experts in the sector who will be able to assist you with all your queries.

Tom Wilmore B.A. (Hons), CERT CII


Chloe Hawley, CERT CII



Useful documents

Terms of Business Agreement

Checkout our terms of business agreement

Policy Wording

Checkout our policy document for our recruitment cover

Proposal Form

Checkout our Umbrella recruitment form

Get your online quote now

Obtain a specialist quotation for Umbrella Insurance cover in under 5 minutes, with our quick and simple online platform. Documents are available to download instantly, with the team on hand should you need any assistance.

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