--- title: "Insurance Buying Guide for Job and Career Services Businesses" description: "Quote preparation for recruiting, placement, staffing, and career platforms changing how they screen, refer, or employ workers." canonical: "https://thegeneralaverage.com/industries/job-and-career-services" page-type: "industry-guide" updated-at: "2026-09-28" industry: "job-and-career-services" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, 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. 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[Human-readable page](https://thegeneralaverage.com/industries/job-and-career-services) ## Agent Guide **What this page is:** Buying guide to the business insurance a Job And Career Services business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Job And Career Services business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Job And Career Services business need? - Professional Liability (E&O) Insurance for Job and Career Services - Cyber Insurance for Job and Career Services - Workers’ Compensation Insurance for Job and Career Services - General Liability Insurance for Job and Career Services - Tech E&O Insurance for Job and Career Services **Key facts:** - Sections: Which Insurance Should You Consider for Job and Career Services?; From Spot; Before a Job and Career Services Business Changes Its Service Model; Before a Career Services Business Adds Candidate Data or States; Which Providers Should You Compare for Job and Career Services?; Common Questions About Insurance for Job and Career Services; Verticals Related to Job and Career Services; Sources and Further Reading for Job and Career Services. - See "Sources and Further Reading" for citations. **Limits (do not over-claim):** - Lists coverage worth discussing; it does not confirm a business qualifies for or needs any policy. - Provider ordering averages Reliability Score and Review Score; scores describe the provider, not an individual policy or quote. - Legal requirements (e.g. workers' compensation, licensing) vary by state and are not decided here. **Provenance:** Cited guide; provider rows come from Spot's rating data. Last updated 2026-09-28. **Related pages:** - [Industries](https://thegeneralaverage.com/industries) — parent hub - [Reliability Score methodology](https://thegeneralaverage.com/reliability-score) — how provider scores are computed - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — sourcing standards # Insurance Buying Guide for Job and Career Services Businesses [Consumer](https://thegeneralaverage.com/industries/consumer) Before adding screening, staffing, payroll, or placement services, draw the line between advice, software, referrals, and employment. Give the broker contracts, workflow descriptions, data types, employing entities, and employee work locations so the quote reflects the service actually sold. [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies), [Employer information](https://www.dir.ca.gov/dwc/employer.htm), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Which Insurance Should You Consider for Job and Career Services? Consider professional errors and omissions (E&O), cyber liability, workers’ compensation, general liability, and technology errors and omissions (E&O). Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Professional Liability (E&O) Insurance for Job and Career Services](https://thegeneralaverage.com/coverage/professional-errors-omissions) **When it matters:** Clients rely on your recruiting, screening, matching, assessment, or placement service. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) **What to review:** Ask whether a professional errors-and-omissions quote addresses the exact service, representations, and contract obligations. EEOC guidance about employment-agency practices is not evidence that a policy covers a claim. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) **Ask:** Which services, referral decisions, assessments, client promises, and indemnities are within scope, and what exclusions apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) ### [Cyber Insurance for Job and Career Services](https://thegeneralaverage.com/coverage/cyber) **When it matters:** You collect resumes, identity information, background data, interview recordings, or candidate communications. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Ask whether a cyber quote fits the data and vendors involved. Review response, liability, interruption, and retention wording; the records you collect are inputs to the application, not proof of coverage. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which candidate-data events and third-party service failures trigger the quoted response, and what costs or sublimits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Workers’ Compensation Insurance for Job and Career Services](https://thegeneralaverage.com/coverage/workers-compensation) **When it matters:** You hire recruiters or provide temporary staff across multiple states. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) **What to review:** Workers compensation provides benefits for work-related injury or illness under applicable state law. California’s employer rule applies in California; worker classification and other states require their own analysis. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) **Ask:** Which entity employs each worker, where does the work occur, and what payroll and duties are reported? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm), [Employer information](https://www.dir.ca.gov/dwc/employer.htm) ### [General Liability Insurance for Job and Career Services](https://thegeneralaverage.com/coverage/general-liability) **When it matters:** Candidates, clients, or vendors visit your office, hiring event, or career fair. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** Commercial general liability can address specified third-party bodily injury and property damage from premises and operations. Describe in-person events and locations in the submission. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Are career fairs, candidate appointments, client sites, and event activities listed, and what exclusions or limits apply? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ### [Tech E&O Insurance for Job and Career Services](https://thegeneralaverage.com/coverage/technology-errors-omissions) **When it matters:** You sell automated matching, assessments, or a hiring platform as a technology service. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **What to review:** If the company provides software or technical services, ask whether a technology errors-and-omissions proposal fits those deliverables. Do not assume general liability or professional services wording handles every technology allegation. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) **Ask:** Which platform functions, integrations, automated outputs, and uptime commitments are described in the quote? [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Before a Job and Career Services Business Changes Its Service Model Draw a workflow from employer request through screening, ranking, referral, placement, payroll, and ongoing supervision. Mark which entity makes each decision and which entity employs or pays the worker. [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) EEOC guidance says certain employment-agency rules apply to agencies that regularly refer employees, but the facts determine how a specific service is treated. Use the workflow to frame legal and policy questions rather than assuming a label settles either one. [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies), [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) ## Before a Career Services Business Adds Candidate Data or States List candidate data types, retention periods, screening vendors, access controls, and client access. Send this map and any breach-response commitments when asking about cyber terms. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) For California, DWC says employers need workers compensation even with one employee and flags certain out-of-state employers with California workers. Confirm each jurisdiction and employment relationship; do not generalize that California rule nationally. [Employer information](https://www.dir.ca.gov/dwc/employer.htm) ## Which Providers Should You Compare for Job and Career Services? These providers document the coverage listed below. Providers are ordered by the average of their Reliability Score and Review Score, weighted equally. This is not confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Professional Liability (E&O) Insurance Providers #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions](https://www.cna.com/products/cyber) · [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html) [+46 more Professional errors and omissions (E&O) providers](https://thegeneralaverage.com/coverage/professional-errors-omissions#documented-providers) ### Cyber Insurance Providers for Job and Career Services #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html) [+47 more Cyber liability providers](https://thegeneralaverage.com/coverage/cyber#documented-providers) ### Workers’ Compensation Insurance Providers for Job and Career Services #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance) · [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html) [+38 more Workers’ compensation providers](https://thegeneralaverage.com/coverage/workers-compensation#documented-providers) ### General Liability Insurance Providers for Job and Career Services #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [General Liability Insurance From biBerk | Get A Quote Today](https://www.biberk.com/small-business-insurance/general-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Commercial General Liability Insurance | CNA Insurance](https://www.cna.com/products/general-liability) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Commercial General Liability](https://www.foxquilt.com/businesscoverage/commercial-general-liability.html) [+45 more General liability providers](https://thegeneralaverage.com/coverage/general-liability#documented-providers) ### Tech E&O Insurance Providers for Job and Career Services #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html) #### [Coalition](https://thegeneralaverage.com/insurance-providers/coalition) **Reliability Score** Broker Reliability Score: 6.1 / 10 (75% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/coalition/reliability) Carrier & MGA Reliability Score: 6.3 / 10 (80% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/coalition/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/coalition/reviews) [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance) · [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer) [+29 more Technology errors and omissions (E&O) providers](https://thegeneralaverage.com/coverage/technology-errors-omissions#documented-providers) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Reliability Scores Work](https://thegeneralaverage.com/reliability-score). ## Common Questions About Insurance for Job and Career Services ### Does a recruiting platform count as an employment agency? The label alone does not answer it. EEOC guidance discusses agencies that regularly refer employees, while the actual service and workflow determine how that guidance applies. [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) [Read the full answer](https://thegeneralaverage.com/industries/job-and-career-services/does-a-platform-count-as-an-employment-agency) ### What should I prepare for a workers compensation quote? Prepare the employing entity, each employee’s work state, payroll, job duties, and expected hiring dates. [Employer information](https://www.dir.ca.gov/dwc/employer.htm) [Read the full answer](https://thegeneralaverage.com/industries/job-and-career-services/what-to-report-for-workers-compensation-quote) ## Verticals Related to Job and Career Services - [Apparel and Cosmetics](https://thegeneralaverage.com/industries/apparel-and-cosmetics): Quote preparation for apparel and beauty brands changing a product, formula, sales channel, or inventory footprint. - [Consumer Electronics](https://thegeneralaverage.com/industries/consumer-electronics): Practical quote checks for device makers moving from prototypes to production, retail, cloud services, and battery shipments. - [Content](https://thegeneralaverage.com/industries/content): Quote preparation for studios, publishers, creator platforms, and media businesses taking on new clients, content rights, and production equipment. - [Food and Beverage](https://thegeneralaverage.com/industries/food-and-beverage): Practical insurance questions for food and drink brands expanding production, cold storage, wholesale, delivery, and customer service. - [Gaming](https://thegeneralaverage.com/industries/gaming): Quote preparation for game studios and live-service platforms taking on publisher contracts, user content, online services, and events. - [Home and Personal](https://thegeneralaverage.com/industries/home-and-personal): Practical quote checks for consumer brands selling household goods, connected devices, and products installed or delivered at home. - [Social](https://thegeneralaverage.com/industries/social): Practical quote checks for social products adding user content, child-directed features, creator campaigns, and moderation operations. - [Transportation Services](https://thegeneralaverage.com/industries/transportation-services): Quote preparation for passenger platforms, delivery companies, and mobility businesses changing vehicles, trip stages, and custody of goods. - [Travel, Leisure and Tourism](https://thegeneralaverage.com/industries/travel-leisure-and-tourism): Practical quote checks for trip organizers, tours, activities, and travel marketplaces handling deposits, venues, suppliers, and transportation. - [Virtual and Augmented Reality](https://thegeneralaverage.com/industries/virtual-and-augmented-reality): Quote preparation for immersive hardware, sensor-driven apps, multiplayer content, and public VR/AR experiences. ## Sources and Further Reading for Job and Career Services - [Coverage of Employment Agencies](https://www.eeoc.gov/coverage-employment-agencies) — U.S. Equal Employment Opportunity Commission. Agency referral prohibitions and deciding coverage, lines 14–19 EEOC guidance on employment-agency coverage and referral practices. - [Employer information](https://www.dir.ca.gov/dwc/employer.htm) — California Department of Industrial Relations, Division of Workers’ Compensation. Opening section: California employer rule and out-of-state employer paragraph Employer information; use for the scoped operational question described in the cited guidance. - [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm) — California Department of Insurance. Commercial Insurance Guide, revised June 14, 2024: purchasing coverage, commercial property, inland marine, boiler and machinery, commercial general liability, and workers compensation. Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements. Updated 2026-09-28. [Editorial Policy](https://thegeneralaverage.com/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/industries/job-and-career-services.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://thegeneralaverage.com/llms.txt)