Why Orbio Works Exclusively with SafeRec-Certified Umbrellas

In today's recruitment landscape, joint and several liability presents a serious financial risk. Protection only works when it rests on a foundation of verified compliance, which is why Orbio partners exclusively with SafeRec-certified umbrella companies.

SafeRec sets the gold standard for payroll compliance. Their independent audits check payslips, RTI submissions, and HMRC Tax Accounts each month, ensuring umbrella operations meet the highest standards. This gives agencies confidence that PAYE and NIC obligations are accurately managed.

Once compliance is verified, Orbio's Lloyd's-underwritten Tax Liability Insurance automatically provides an additional layer of protection. It covers legal defence, unpaid tax liabilities, interest, penalties, and umbrella insolvency up to £5m, with higher limits available — a clear safety net for unexpected claims.

By combining SafeRec's audited compliance with robust financial protection, Orbio helps agencies navigate joint and several liability with confidence, reduced exposure, and a smarter future-proof approach, allowing recruiters to focus on clients, candidates, and raising standards across the entire sector.

Need advice or a quote? Our team of experts can guide your agency through joint and several liability risks and design a tailored insurance solution. Contact Orbio today to secure clarity, protection, and peace of mind.