Healthcare staffing agencies in New York face unique risks when placing nurses, home health aides, physicians, and allied professionals in hospitals, clinics, and patient homes.
A well-structured insurance program helps protect your agency while meeting the compliance demands of today’s healthcare environment.
This includes New York-specific requirements such as the state's HERO Act workplace safety provisions and combined Disability Benefits Law (DBL) and Paid Family Leave (PFL) obligations for W-2 staff.
Mason-McBride supports agencies of all sizes, including multi-location firms and growing medical staffing providers.
Core Coverages for New York Staffing Firms
Operating a medical staffing agency in New York requires careful consideration of various insurance types to protect against the unique risks involved.
- Workers Compensation Insurance: New York law requires staffing firms to carry workers’ compensation coverage for W-2 employees. New York is also one of the few states requiring employers to carry both Disability Benefits and Paid Family Leave coverage alongside workers' comp - an added layer of compliance for staffing firms with large W-2 rosters.
- General Liability Insurance: General liability coverage can help protect your staffing agency against claims related to bodily injury, property damage, advertising injury, or certain allegations of errors or omissions.
- Cyber Liability Insurance: Staffing agencies handle sensitive personal and medical information, making them frequent targets of cyberattacks. Cyber liability policies can include data breach response, business interruption coverage, and ransom/extortion protection.
- Professional Liability E&O: Also known as Errors and Omissions (E&O), this coverage helps protect your staffing agency from claims of negligence related to professional services.
- Business Property Insurance: Business property insurance is designed to cover physical assets such as equipment, signage, inventory, and furniture in the event of fire, storm damage, or theft. However, coverage for large-scale disasters like floods and earthquakes typically requires a separate policy.
- Employment Practices Liability (EPLI): New York agencies must comply with federal and state employment laws.This includes exposure related to the state's Wage Theft Prevention Act notice requirements, which are frequently a source of DOL claims for staffing agencies with high-volume hourly placements.
Why Work With Mason-McBride
- Industry Experience: Over 100 years of supporting businesses with tailored insurance solutions.
- Healthcare Focus: We understand the risks of placing nurses, doctors, and allied professionals across New York's healthcare systems, from NewYork-Presbyterian and Northwell Health in the metro area to hospitals and clinics in Buffalo, Albany, and across upstate.
- Independent Agency Advantage: We work with multiple leading carriers to provide options.
Start a Conversation
If you're a New York or New Jersey agency that provides nurses, home health aides, or other clinicians, our team can help you explore options designed for your operations.
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