Healthcare staffing companies manage risks that extend beyond a traditional office environment. Employees may work at hospitals, clinics, long-term care facilities and other client locations, often across multiple states and under different contractual requirements.
That can create insurance considerations involving workers compensation, employment practices, professional services, cyber risk, certificates of insurance, client contracts and changing payroll.
Mason-McBride works with healthcare staffing organizations to review insurance programs around the way their businesses actually operate, including where employees are placed, the work they perform and the requirements imposed by clients.
Insurance Considerations for Healthcare Staffing Companies
No two healthcare staffing firms operate exactly the same way. Coverage needs can vary based on the types of employees placed, states of operation, client contracts, workforce structure and whether placements involve clinical or nonclinical roles.
Common insurance considerations include:
Workers Compensation Insurance
Workers Compensation Insurance is often one of the most significant parts of a staffing company's insurance program.
Healthcare staffing firms may have employees working in multiple states, client facilities and job classifications. Payroll, employee duties, placement environments, claims history and state-specific requirements can all affect the program.
As a staffing company expands, it is important that classifications and payroll reporting continue to reflect the work employees are actually performing.
General Liability Insurance
General Liability Insurance may help address certain third-party claims involving bodily injury, property damage, and personal or advertising injury arising from business operations.
Healthcare staffing companies may also encounter client contracts requiring specific liability limits, additional insured status or other insurance provisions.
Professional Liability Insurance
Staffing organizations provide professional services that can include recruiting, screening and placement.
Professional Liability Insurance may help address certain claims alleging errors, omissions or negligence related to those professional services, depending on the policy.
Healthcare staffing companies placing licensed clinicians may have additional professional liability and medical malpractice considerations. Those exposures are addressed in more detail on our Medical Staffing Agency Insurance page.
Employment Practices Liability Insurance
Healthcare staffing firms manage employment relationships that may involve recruiting, hiring, onboarding, placement, discipline and termination across a large or geographically dispersed workforce.
Employment Practices Liability Insurance may help address certain claims involving allegations such as discrimination, harassment, retaliation or wrongful termination, subject to the terms and conditions of the policy.
Cyber Liability Insurance
Healthcare staffing companies often maintain sensitive applicant and employee information, including Social Security numbers, payroll records, background screening information, licensing records and other personally identifiable information.
Cyber Liability Insurance may help address certain expenses associated with covered cyber events, including data breaches, system interruptions, data recovery, cyber extortion and certain legal claims.
Multi-State Healthcare Staffing
Insurance can become more complicated as a healthcare staffing company begins placing employees across state lines.
Workers compensation requirements, employment rules, payroll, licensing and client insurance requirements can vary from one state to another.
A staffing company that adds a new state should review its insurance program before placements begin rather than assuming the existing program automatically addresses the new exposure.
Mason-McBride works with staffing organizations operating across multiple states to help review how geographic expansion may affect their insurance needs.
Healthcare Staffing Models We Work With
Healthcare staffing can include many different workforce and placement models.
Mason-McBride works with organizations involved in areas such as:
- Travel healthcare staffing
- Nursing staffing
- Allied health staffing
- Therapy staffing
- Behavioral health staffing
- Medical administrative staffing
- Per diem staffing
- Temporary healthcare staffing
- Direct-hire recruiting
- Multi-state healthcare workforce placement
Organizations placing physicians, nurses, therapists and other licensed professionals may face additional risks tied to clinical services, credentialing and professional liability.
Learn more about insurance for medical staffing agencies and clinical placements.
Why Healthcare Staffing Insurance Requires a Review
A healthcare staffing company's insurance program needs to account for more than the company's office location.
The employees being placed, the environments where they work, the services they perform and the contracts governing those placements can all affect risk.
As the company grows, changes such as entering new states, adding new placement specialties, increasing payroll or taking on larger client contracts can also change the insurance picture.
Request an Insurance Review
Tell us about your staffing company, where you operate and the types of employees you place. A member of the Mason-McBride team will follow up to learn more.
"*" indicates required fields