Staffing & Temp Agencies Insurance
Coverage recommendations, carrier options, and cost estimates for staffing & temp agencies businesses — what you need, what it costs, and how to get covered.
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
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
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
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
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
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
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
$800 - $3,000/year for small businesses (under 25 employees); $3,000 - $15,000+ for larger employers
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
$750 - $3,000/year for small businesses; $5,000 - $25,000+ for businesses handling significant PII or PHI
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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
$2,000 - $10,000 for businesses with $1M - $20M revenue
Key Pricing Factors
- Annual revenue ($1M - $20M is typical for this class)
- Employee count (10-100 is typical)
- Gross billing revenue
- Payroll by classification
- Industries served
- Temp vs perm placement ratio