Recruitment Insurance.
Built for Reform
Protecting You From Tax, Compliance & Business Risk
Built by recruitment experts, for recruitment agencies. We cover PAYE/NIC liability, umbrella reform risks, and wider business exposures — so you can focus on growing your business.
The Game Has Changed. Recruitment Needs Insurance That Keeps Up.
Umbrella reform puts joint and several liability, and fast-moving compliance risks, squarely on recruiters' balance sheets. Traditional insurers weren't built for this. Orbio is.
- ○Tax Liability Insurance – Activated via monthly SafeRec umbrella audit reports protecting your agency from HMRC disputes and PAYE/NIC liability transfer.
- ○360° Liability Cover – PI, EL, PL, and business risks, tailored for recruitment.
- ○Partnership at the Core – Working with agencies, MSPs, umbrellas, and clients to keep supply chains resilient.
We Built Orbio For It
Insurance that's more than a safety net — a strategic tool to scale confidently, strengthen compliance, and lead with resilience.
Lloyd's Underwriting
A-rated cover underwritten at Lloyd's, giving financial strength and trusted claims-paying security.
SafeRec Certified
Policy activated by SafeRec forensic payslip audits, providing documented PAYE/NIC compliance proof.
Flexible Monthly Payments
Spread costs with monthly direct debits to protect cash flow and budgeting.
Fast Digital Platform
Quick quotes, instant cover and immediate access to your policy documents
Recruitment Expertise
Built by specialists who understand reform, risk and recruitment supply chains from the inside.
Corporate Benefits
Protect your balance sheet with a financial backstop against HMRC tax transfers and liabilities.
360° Recruitment Liability
Comprehensive PI, PL, and EL protection for recruitment and operational risks - competitively priced.
Lloyd's Underwriting
A-rated cover underwritten at Lloyd's, giving financial strength and trusted claims-paying security.
SafeRec Certified
Policy activated by SafeRec forensic payslip audits, providing documented PAYE/NIC compliance proof.
Flexible Monthly Payments
Spread costs with monthly direct debits to protect cash flow and budgeting.
Fast Digital Platform
Quick quotes, instant cover and immediate access to your policy documents
Recruitment Expertise
Built by specialists who understand reform, risk and recruitment supply chains from the inside.
Corporate Benefits
Protect your balance sheet with a financial backstop against HMRC tax transfers and liabilities.
360° Recruitment Liability
Comprehensive PI, PL, and EL protection for recruitment and operational risks - competitively priced.