Frequently Asked Questions for Staffing Agencies

Staffing agencies face unique exposures, as you’re coordinating talent across various industries and worksites, which brings a mix of operational and contractual risks.
Insurance is one way to help address those risks, including potential claims related to injuries, professional services, cyber events, and business property.

Insurance carriers evaluate many factors, including your placements, client industries, safety practices, and claims history.
Agencies that place workers in fields like construction or healthcare may find fewer markets available.
At Mason-McBride, we focus on aligning your risk profile with insurers that have experience serving the staffing sector.

Insurance for staffing agencies often requires more detail than other industries. Underwriters typically ask about how your placements are divided by job type, industry, and supervision.
The more information you can share upfront, the better we can evaluate potential options with appropriate markets.

Most carriers will ask for:
Most insurance carriers typically request the following information from staffing agencies:
– Payroll details broken down by job type and industry
– Number of employees—both internal staff and workers placed with clients
– Current insurance policies
– Loss runs or claims history
– Client contracts, including any indemnification provisions or insurance requirements
– Safety and training procedures, including risk management programs, background checks, and drug screening
– Revenue and financial information, such as total billings and revenue by industry or client
– Staffing metrics, including the number of temporary versus permanent placements and average employee tenure
– Licenses and compliance documentation, such as business licenses, state registrations, or industry certifications
– Claims and loss control details, including workers’ compensation experience modification (X-Mod) and any prior incidents or regulatory actions
We can assist you in gathering and organizing this information to streamline the submission process.

While every business is different, many staffing firms explore:
Workers’ Compensation
General Liability
Professional Liability (Errors & Omissions)
Cyber Liability
Employment Practices Liability (EPLI)
Business Property Coverage
We can walk through what may be relevant based on your operations.

We help staffing firms assess available insurance options through carriers and programs that understand the sector.
Our role is to guide the process, from gathering underwriting information to presenting solutions that reflect your business model and exposures.

Independent agencies are not tied to one carrier. We have access to a range of insurance companies, which allows us to evaluate options and guide you through the selection process.

We work with staffing agencies across industries such as Healthcare Staffing, IT / Technology Staffing, skilled trades, manufacturing, and professional services, to name a few. Recognizing that every staffing agency operates differently, we tailor our approach to fit the unique needs of each engagement.

Through partnerships with organizations like ESI and Aclaimant, we can connect clients to tools that support compliance tracking, claims analysis, and safety reporting, depending on what’s most relevant to your agency.

Just reach out by phone, email, or through our website. We’ll begin with a conversation to learn about your agency and help determine what next steps make sense.