Frequently, with E&O and cyber minimums specified in the agency agreement.
If you process payroll for placed workers, yes. Funds under your control create dishonesty exposure.
Potentially, through negligent referral. E&O responds where screening failures are alleged.
Resumes, references, background checks and identity documents, all breach-triggering under cyber liability.
Yes. Discrimination claims from candidates not advanced are common and covered by employment practices liability.
Fraud is a crime
If your application contains purposefully misleading, absent, or inaccurate information, you could be charged with fraud. Your insurance carrier could potentially void your policy, or you could face civil or criminal charges or penalties.
Any person who knowingly and with intent to defraud any insurance company or other person, files an application for insurance or statement of claim containing any materially false information or conceals, for the purpose of misleading, information concerning any fact material thereto, commits a fraudulent act, which is a crime.
