Staffing agencies connect job seekers with employers, often through temporary, temp-to-hire, or contract roles. While supporting client workforce needs, agencies also face unique risks, especially when employees work at third-party job sites.
At Mason-McBride, we help staffing firms explore insurance options aligned with their services, industry focus, and operating structure.
Why Insurance Matters for Staffing and Temp Agencies
When temporary workers are placed at client worksites, your business may still be held responsible for:
- Workplace injuries
- Property damage
- Professional liability claims
The right insurance coverage can help your agency manage these exposures while fulfilling state regulations and client contract requirements.
Coverage Options for Staffing Agencies
Insurance needs vary by agency. The following policies are frequently evaluated based on operational risk:
- General Liability Insurance: May help address third-party claims of bodily injury, property damage, or advertising-related issues.
- Workers’ Compensation Insurance: Typically required by law, this coverage provides medical and wage benefits for job-related injuries or illnesses. This may apply to both internal staff and placed employees, depending on classification.
- Professional Liability (Errors & Omissions): May provide a defense in the event of claims that the agency made an error, such as placing an unqualified worker or failing to meet client expectations.
- Employment Practices Liability Insurance (EPLI): Designed to help with defense costs for allegations of wrongful termination, discrimination, or harassment involving temporary or internal staff.
- Cyber Liability Insurance: Addresses potential exposures related to data breaches, ransomware, or unauthorized access to sensitive client or employee data.
- Commercial Auto Insurance: For agencies that own or lease vehicles for business operations, this may help with liability and physical damage claims.
- Crime and Employee Dishonesty Coverage: May respond to incidents of theft or fraud committed by employees against the agency or its clients.
Special Considerations for Workers' Compensation
Worker classification plays a significant role in insurance. Temporary employees placed into fields such as healthcare, IT, manufacturing, or logistics may require careful review of:
- Job duties and risk levels
- Accurate payroll allocation
- State-specific requirements
An experienced agent can assist with identifying appropriate class codes and ensuring coverage reflects your business operations.
Industries We Work With
We support a range of staffing firms nationwide, including those that place:
- Administrative and clerical personnel
- Healthcare and allied professionals
- Information technology and engineering roles
- Accounting and finance specialists
- Manufacturing and warehouse workers
Mason-McBride understands the specific insurance challenges staffing and temp agencies face. We work with you to develop insurance solutions tailored to your operations, and flexible enough to adapt as your business grows.
Why Work With Mason-McBride
As an independent agency, we offer access to multiple insurance carriers and work to identify available coverage options based on your business model and risk profile. Our goal is to support staffing firms in making informed insurance decisions.