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.
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:
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 assist you in organizing this information as needed.
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.
Premiums are typically influenced by your agency’s size, payroll, claim history, and the industries in which you place workers.
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 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.
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.
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.