The terms you enter with your hirers may be your own standard terms, they may be the clients’ own standard terms, or they may be bespoke and specific to any given contract. Insurers typically differentiate your contracts into two categories for the purpose of assessing the risk:
Standard Terms of Business are terms of business which contain an agreement that any person or entity you supply shall be under the direction, supervision, and control of your end client with regard to the responsibility for legal liability incurred.
to such persons or entity and
to any other party because of the acts or omissions of such persons or entity
Non-Standard Terms of Business typically means that the terms will include a liability clause that will require your insurers to provide cover in respect of any injury, damage or errors and omissions made or caused by the persons or entity you are supplying.
You should be mindful that as the scope of services businesses in the recruitment chain has broadened, the types of contracts that underpin contractual relationships have evolved. You may, for example, enter into Managed Service Agreements that include a Statement of Work document. These agreements can create specific insurance requirements that need to be reviewed and assessed carefully. If in doubt speak to your insurance partner.