Staffing Agency Insurance FAQ
Staffing agencies face unique insurance challenges that often lead to several questions. Whether you're navigating workers’ comp, client contracts, or carrier requirements, we know the process can feel complicated.
That’s why we’ve compiled answers to some of the most common questions staffing firms ask. This FAQ is designed to help you better understand what’s involved and how to prepare for a smoother insurance experience.
Table of Contents
- Why is insurance important for staffing agencies?
- Why is it sometimes difficult to get coverage or find a carrier?
- Why is the proposal process more involved for staffing firms?
- What information is usually needed to begin a quote?
- What types of insurance coverage should staffing agencies consider?
- What affects insurance pricing for staffing firms?
- How does Mason-McBride support staffing agencies?
- Why work with an independent insurance agency?
- Does Mason-McBride serve specific types of staffing firms?
- Do you offer access to risk management resources?
- How can we get started?
Why is insurance important 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.
Why is it sometimes difficult to get coverage or find a carrier?
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.
Why is the proposal process more involved for staffing firms?
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.
What information is usually needed to begin a quote?
Most carriers will ask for:
- Payroll by job type and industry
- Number of internal and placed employees
- Current insurance policies
- Loss runs (claims history)
- Client contracts and indemnification language
- Safety and training procedures
We can help you organize this information as needed.
What types of insurance coverage should staffing agencies consider?
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.
What affects insurance pricing for staffing firms?
Premiums are typically influenced by your agency’s size, payroll, claim history, and the industries in which you place workers.
How does Mason-McBride support staffing agencies?
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.
Why work with an independent insurance agency?
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.
Does Mason-McBride serve specific types of staffing firms?
We work with agencies across industries such as healthcare, IT, skilled trades, manufacturing, and professional services, to name a few.
Each firm is unique, and we approach each engagement accordingly.
Do you offer access to risk management resources?
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.
How can we get started?
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.
Disclaimer
The information contained in this FAQ is provided for general informational purposes only and should not be construed as legal, financial, or insurance advice.
The examples and descriptions presented are based on sources believed to be reliable; however, no warranty is made regarding their accuracy or relevance to your specific situation.
Coverage details are governed by the actual terms, conditions, limitations, and exclusions of the insurance policies issued, as well as applicable laws and regulations, which may change over time. For specific advice or coverage details, please refer to your policy documents or consult directly with a licensed insurance professional.