About Us
Insurance Built for Recruitment and Umbrella Companies
We understand the legal, operational and compliance pressures shaping your world - and our cover is built around them.
Our Focus
Introducing Orbio – Protection for the New Rules of Recruitment
Orbio is purpose-built to help UK recruiters navigate the financial risks of joint and several liability under the draft Finance Bill 2025-26. Our Tax Liability Insurance combines legal expertise, SafeRec-certified umbrella compliance, and specialist underwriting — giving agencies, MSPs, and end-clients evidence-backed protection and confidence with PAYE and NIC risk.
- Legally informed — designed to tackle joint and several liability in today's recruitment and payroll landscape
- Compliance verified — activated via SafeRec forensic payslip audits providing documented PAYE/NIC proof
- Underwritten for strength — placed in the Lloyd's market with an A-rated insurer
- Flexible and scalable — optional commercial insurance for wider business risks, all in one platform
In a changing regulatory landscape, Orbio helps recruitment leaders stay protected, compliant, and ahead.
Learn About Our ProtectionA-Rated
Financial Strength
Lloyds Underwritten Insurance
60+
Years Combined Experience
Leadership team expertise
Fast
Instant, Digital
Quotes in 30 seconds
Full-Spectrum Protection
360° Approach to Risk
We offer a 360° approach to risk, combining specialist compliance-led cover with core business protection including:
Recruitment-Focused Business Insurance
Comprehensive protection for the unique risks recruitment agencies face every day. From negligent candidate placements and misrepresentation to inaccurate references and workplace accidents - our tailored insurance solutions are designed to fit your business model whether you're placing contractors, temporary workers or permanent staff.
Tax Liability Insurance with Verified Compliance
Our policy protects recruitment agencies — activating once SafeRec audit reports confirm correct PAYE/NIC has been paid. With verified compliance in place you gain real protection if HMRC challenges arise covering unpaid tax, penalties, interest and legal costs.
Legal and Compliance Support
Stay ahead of evolving regulations with support from specialists in recruitment law. We help you manage risk, avoid penalties, and keep your business fully compliant.
Our Promise
Scale with Confidence
In an era of industry reform, Orbio empowers recruitment leaders to act decisively. Combining innovative protection with SafeRec certification, we help agencies build resilient supply chains and seize growth opportunities with confidence.
Protect Your Balance Sheet
Stay shielded from tax liabilities
Strengthen Your Supply Chain
Work only with SafeRec certified, umbrella partners
Win More Business
Stand out with protection clients can trust
Scale with Certainty
Grow fast without carrying the risk
Stay Ahead of Reform
Stay compliant, agile, and ready for change
Operational Cover
Comprehensive PI, PL, EL protection
Ready to Protect Your Business?
Orbio: built for the realities of recruitment. Fast. Focused. On Your Side.