Troy, MI — August 4, 2025 — Andy Clark, Vice President of Commercial Lines at Mason-McBride Insurance, was recently featured in Independent Agent Magazine as part of its “From the Front Lines: Life-Health” interview series.
The interview focuses on Clark’s work with healthcare staffing firms and the insurance challenges facing agencies that place healthcare professionals.
Understanding Healthcare Staffing Insurance
Clark works with healthcare staffing firms that face a combination of staffing, healthcare, and insurance risks.
In the Independent Agent Magazine interview, he discusses how he came to focus on the healthcare staffing industry, the operational challenges staffing firms face, and how insurance advisors can better understand the risks their clients are managing.
“Early in my career, a mentor advised me to find a niche I was passionate about and become an expert,” said Clark. “Given the growing challenges of staffing in healthcare, it made perfect sense to transition into this specialized role.”
Workers’ Compensation Remains a Key Challenge
Workers’ compensation is one of the more significant insurance challenges for healthcare staffing firms.
Staffing agency owners may have limited control over safety practices at the facilities where their employees work. That can create additional underwriting concerns for insurance carriers, particularly when agencies place workers in higher-risk healthcare environments.
As a result, some carriers may impose minimum premiums, coverage conditions or restrictions on certain types of healthcare placements.
“Healthcare staffing remains one of the more complex sectors to insure,” said Clark. “These challenges demand a deep understanding of both the staffing and healthcare landscapes to effectively place coverage.”
Professional Liability and Changing Market Conditions
Clark also discusses professional liability and how changing market conditions may affect healthcare staffing firms.
He anticipates continued pressure on professional liability premiums, particularly for staffing firms placing higher-risk professionals such as physicians and wound care specialists.
Higher insurance costs may lead some staffing firms to reconsider the types of placements they accept or expand into other areas of the staffing industry.
For insurance advisors, understanding how a staffing firm operates can be just as important as understanding the insurance products themselves.
“Approach the staffing industry as if you were preparing to launch your own agency,” Clark advised peers in the article. “Understanding your clients’ operations is critical to providing consultative guidance.”
Supporting Healthcare Staffing Firms
Healthcare staffing firms operate at the intersection of two complex industries: staffing and healthcare. Their insurance needs can vary based on the professionals they place, where those professionals work, and the responsibilities assumed by the staffing company.
Mason-McBride works with businesses in healthcare, staffing and other specialized commercial industries.
The agency helps businesses evaluate insurance and risk considerations based on their operations, exposures and specific needs.
To read Andy Clark’s full interview, visit Independent Agent Magazine.
About Mason-McBride
Mason-McBride is a Michigan-based independent insurance agency with more than a century of experience serving businesses, individuals and families.
The agency provides commercial and personal insurance solutions and works with clients across a range of industries, including healthcare and staffing.
