Staffing & Temp Agencies Insurance
Most staffing and temp agencies need general liability and workers' comp. What you pay depends on your revenue, payroll, location and claims history.
Compare business insurance options
Tell us where to send it and we will come back with the coverages worth quoting for staffing agencies, what they typically cost, and which markets write the class. No call required, and we do not sell your details on.
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Recommended Coverages
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. Common claims include placed employee injury at client site. Agent note: Negligent hiring E&O exposure requires thorough screening documentation
$1M per occurrence / $2M aggregate
Workers Comp
essentialMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Staffing & Temp Agencies businesses, key exposures include workers comp for placed employees. Common claims include placed employee injury at client site. Agent note: Workers comp is the dominant cost — premium based on payroll of ALL placed workers
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Professional Liability (E&O)
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. For Staffing & Temp Agencies businesses, key exposures include co-employment liability. Common claims include wage and hour dispute.
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
EPLI
recommendedClaims by employees alleging wrongful termination, discrimination, sexual harassment, retaliation, failure to promote, and other employment-related violations. For Staffing & Temp Agencies businesses, key exposures include workers comp for placed employees.
$500K - $2M per claim / aggregate
Cyber Liability
situationalData breach notification costs, forensic investigation, credit monitoring, regulatory defense and fines, business interruption from cyber events, ransomware payments, and third-party claims from data exposure.
$1M per claim / $1M aggregate for small businesses; $5M-$10M+ for larger organizations
Risk Profile
Physical
Liability
Professional
Property
Top Risks
- Workers comp for placed employees
- Co-employment liability
- Negligent hiring claims
- Wage and hour disputes
- Client worksite injuries
Carriers That Write Staffing & Temp Agencies
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
We don't publish a price for this business type yet. See what businesses pay by industry.
Key Pricing Factors
- Gross billing revenue
- Payroll by classification
- Industries served
- Temp vs perm placement ratio