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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.

                              0800 376 304

Why do HR and recruitment consultants need to consider insurance?

Complex employment laws, along with New Zealand’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, could help protect you from financial loss in the event of such a claim.

What’s covered?

  • Professional indemnity cover

    The limit of liability is the maximum amount that can be provided under the insurance policy.

  •  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

    Maintained property cover for third-party documents.

  •  Public liability as an additional policy

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

Additional cover we can arrange

Product and services

Public liability insurance

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

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Product and services

Business insurance

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

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Product and services

Cybersecurity insurance

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

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Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

In business, we've got your back 

From mum and dad’s dairy, to national pizza chains, Marsh has a 60+ year history of supporting New Zealand’s business community. Our award-winning brokers are fluent in the latest global and Kiwi market insights and risks, but cut through the jargon to speak your language.  

Local expertise

Our New Zealand-wide network of brokers have spent years at the forefront, supporting business owners manage their unique risks in a fast-changing market. Our brokers keep ahead of the latest market insights, both local and global, and break down complex terminology.

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 mortgage broker risk exposures and needs.

Our capabilities are unrivalled 

Our ability to leverage the Marsh McLennan network across the Pacific and globally gives our clients access to unparalleled insight, service, tools and capabilities across the full spectrum of risk. 

Award-winning experts

Marsh is a recognised industry leader, winning Large Broking Company of the Year at the New Zealand 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. At Marsh, our brokers will spot your unique set of risks, match you to the right choice, and advocate for you on price.

female insurance broker talking to clients

Frequently asked questions

Professional indemnity insurance may help cover:

  • Settlement judgements

  • Claims investigation costs

  • Defence costs

  • Breach of duty, privacy or confidentiality

  • Intellectual property  

  • Defamation 

  • Lost or damaged documents

  • Negligence.

Professional indemnity insurance typically can’t cover:

  • Existing circumstances 

  • Intentional damage

  • Contractual obligations

  • Bankruptcy.

The professional indemnity cover you’ll need will vary based on a number of factors, such as the: 

  • The size of your business 

  • The type of clients: direct, large or small agencies 

  • Your experience 

  • The scope of work 

  • The number of staff

  • Your preference of coverage.

It’s best to seek advice from a broker to determine the right cover for your business. 

‘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.

Our team can provide support and proactively guide clients through the claims process.

Contact your Marsh representative to assist with lodging a claim.

Related insurance solutions

slected option

Management liability cover

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


Insurance premium funding

Insurance can be a lifeline. But lump sum premiums can be a hindrance. Pay in monthly instalments with premium funding arranged by Marsh.

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.  


Graphic design insurance

Looking for user-friendly insurance that covers your design business's unique risks and needs? We can help.

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.


Accommodation and hospitality insurance

Hospitality workers work hard. Take a load off – let us arrange a comprehensive policy tailored to your needs.

Tradie insurance

Our experienced trades team can arrange comprehensive cover at competitive rates – and get you a certificate of currency on the same day.

LCPA 23/150

Marsh Ltd (NZBN 9429040918792)(“Marsh”) arranges insurance and is not an insurer. This webpage contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances. For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire the product, refer to the specific policy wordings and/or product disclosure statements available from Marsh on request.