Business Insurance for Staffing Agencies

Covers third-party bodily injury and property damage arising from your staffing operations — a temp worker damaging a client's equipment, a placed employee injuring a third party at the client site. GL is required by virtually all client contracts and covers your agency's liability for the actions of placed workers while on assignment.

As the employer of record for temporary workers, the staffing agency is responsible for WC coverage — not the client company. WC covers medical treatment and lost wages for temporary employees injured at a client's worksite. WC is legally required in virtually all states and is the staffing agency's obligation for all placed workers, regardless of which site they work at.

Covers claims that your staffing agency was negligent in recruiting, screening, or placing a candidate — a client claims a placed worker lacked the credentials you represented, or that your background check process was inadequate and resulted in harm. E&O is the staffing-specific coverage that GL does not provide.

Covers claims of discrimination, harassment, wrongful termination, and other employment-related claims — from both your internal employees and placed temporary workers. Temporary workers can bring EPLI claims against the staffing agency, the client, or both. EPLI is increasingly essential for staffing agencies of any size.

Staffing agencies store sensitive PII — SSNs, I-9 documentation, background check results, financial information for payroll. A data breach exposing candidate or employee records creates notification costs, regulatory exposure, and potential class action claims. Cyber liability covers breach response, legal defense, and notification costs.