--- title: "Human Resources" description: "Insurance help for HR firms, PEOs and HR teams: employment practices, workers’ compensation, cyber and professional E&O, compared against the work you do for clients." canonical: "https://spot.insure/insurance-for/human-resources" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-for/human-resources) ## Agent Guide **What this page is:** Insurance help for HR firms, PEOs and HR teams: employment practices, workers’ compensation, cyber and professional E&O, compared against the work you do for clients. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Spot for HR Companies Get quotes from human resources insurance providers with Spot. Whether you run HR for your own team or for clients, we get quotes through brokers and help you compare them on more than price. - Your own workforce and your client work described separately - Employment practices, workers’ comp and cyber compared together - Keep your broker or switch, with no commissions on premiums [Get Started](https://app.spot.insure/signup?coverage=employment-practices&industry=human-resources&icp=professional-services). Spot is not an insurance carrier and takes no commissions on premiums; you can keep your broker or switch. ## How Spot helps 1. **Say whose employees you’re insuring.** Your Spot team separates your own workforce from the client services you provide and records who makes hiring, discipline and termination decisions, so each quote speaks to the right exposure. 2. **Check what each employment practices quote covers.** Once brokers return proposals, Spot asks who counts as an insured, which employment decisions and claim types are defined, and what notice or consent conditions apply. 3. **Match client contracts to your policies.** Send a client agreement or vendor questionnaire. Spot checks its insurance requirements against your policies and flags gaps before you sign. 4. **Keep every policy in one place.** Workers’ compensation, cyber and employment policies stay together with their documents, and Spot brings renewals forward in your shared Slack channel. ## Who we help - **HR consultancies and advisors.** Clients lean on your guidance about employment processes, and the quote should name those services. - **Payroll and benefits administrators.** You hold employee and payroll data for other companies, which puts vendors and records at the center of cyber questions. - **HR software companies.** A platform that stores applicant and employee data has its own exposures alongside any services you provide. - **Companies building an in-house HR function.** A first hire or a first manager making decisions is when employment practices coverage becomes a real question. Offering health benefits is a separate plan decision to compare on its own terms. ## Coverage - [Employment practices liability](https://spot.insure/insurance/employment-practices) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation) - [Cyber liability](https://spot.insure/insurance/cyber) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions) - [Employee health and benefits](https://spot.insure/insurance/employee-health-benefits) - [Commercial property](https://spot.insure/insurance/commercial-property) ## When to get this coverage - **Your first manager is making hiring decisions.** Once managers start making workplace decisions, ask whether an employment practices form is available and which claims and insured persons it names. - **You’re adding employees in another state.** Workers’ compensation rules and worker status differ by state, so every work location and duty needs to be listed. - **You store applicant, payroll or benefits data.** Records you hold for yourself or clients raise cyber questions about vendors, notification and interruption. - **A client relies on your HR or recruiting services.** Professional liability definitions need to name the services you perform, including any decision you make on a client’s behalf. - **You’re opening an office or buying equipment.** List company-owned equipment separately from applicant and employee records when you ask about property. ## Common questions Also known as HR company insurance, HR consultant insurance, HR consulting insurance, HR outsourcing insurance, PEO insurance, professional employer organization insurance and payroll company insurance. ### What insurance does an HR consulting firm need? Professional E&O for your advice, employment practices liability, sometimes extended to claims from your clients’ staff, cyber for the employee records you hold, and workers’ compensation. Spot works out who makes the employment decisions before brokers quote. ### Do we need employment practices if we have general liability? They answer different questions, and general liability isn’t built around employment claims. Spot asks brokers about both and shows you what each form addresses. ### Do employment laws tell us what insurance to buy? No. A rule that requires you to act a certain way doesn’t establish a policy response. Spot reads the proposed forms to see what they say about your workforce and client work. ### Does a background-check service need a particular policy? Not by itself. Spot describes the screening you provide and asks insurers how professional liability and cyber terms treat it. ### Do we need a new broker to cover our client HR work? No. Spot works alongside your current broker on employment practices, professional liability and cyber, and takes no commissions on premiums. If they don’t place professional liability for HR firms, you can switch to one who does. ## More - [Business Insurance by Industry](https://spot.insure/insurance-for) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-for/human-resources.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)