Orbio Insurance

Orbio is a specialist insurance provider built specifically for the recruitment and payroll sector, helping businesses navigate the risks created by umbrella reform and Joint and Several Liability (JSL) legislation.

Combining SafeRec's industry-leading payroll assurance with Orbio’s tax liability insurance underwritten at Lloyd's, we deliver audit-backed protection that gives recruitment agencies, MSPs, end clients and umbrella companies confidence in their supply chains.

At Orbio Insurance, our mission is to provide specialist insurance and risk protection that empowers recruitment agencies, umbrella companies, MSPs, and end clients to operate with confidence in an increasingly complex regulatory environment. Built specifically for the recruitment sector, we combine deep industry expertise with innovative insurance solutions to protect businesses from tax, compliance, and operational risks while enabling sustainable growth. Our purpose is to give clients the confidence to embrace industry reform, knowing they have trusted protection behind them.

Our values are centred on expertise, partnership, innovation, and resilience. We believe insurance should be more than a financial safety net; It should be a strategic tool that helps businesses strengthen their supply chains, protect their balance sheets, and seize new opportunities. By combining specialist underwriting, legal insight, and digital-first delivery, we are committed to providing practical solutions that evolve alongside the recruitment industry. Every decision we make is guided by a commitment to helping clients navigate change with clarity and confidence.

Compliance and trust sit at the heart of everything we do. As regulatory expectations continue to evolve, particularly around JSL and PAYE/NIC compliance, businesses need assurance that extends beyond traditional insurance products. Orbio's philosophy is that effective risk management begins with robust compliance. By integrating innovative insurance solutions with independently verified compliance processes, we help clients reduce uncertainty and demonstrate strong governance to their stakeholders. Our approach reflects the belief that innovation delivers the greatest value when it strengthens trust and supports long term resilience.

Our partnership with SafeRec is a natural extension of this philosophy. SafeRec's certified payroll assurance provides independent verification that PAYE and National Insurance obligations have been correctly met, while Orbio's Tax Liability Insurance offers financial protection should HMRC challenges arise. Together, we provide recruitment businesses with a unique combination of compliance assurance and insurance protection, helping agencies build stronger, more transparent supply chains. This shared commitment enables clients to make informed decisions, reduce financial exposure, and demonstrate the highest standards of compliance across their operations.

Looking ahead, Orbio aspires to help shape a recruitment industry where compliance is viewed not as a burden, but as a competitive advantage. We want our clients to grow with confidence, supported by innovative insurance products that adapt to changing legislation and emerging risks. By continuing to work closely with partners such as SafeRec, we aim to raise standards across the sector, foster greater trust between agencies, umbrella companies, and end clients, and contribute to a recruitment ecosystem that is resilient, transparent, and prepared for the future.