Workers' Compensation
Staffing agencies typically act as the employer of record — requiring workers' comp for all placed temporary employees.
Staffing Agency Insurance for Temp & Permanent Placement Firms
Staffing agencies have complex exposures: workers' comp for placed employees, E&O for placement errors, and cyber risks from sensitive candidate data. We compare multiple carriers to protect your agency.
Coverage
What does Staffing Agencies insurance cover?
The right insurance program for your Staffing Agencies business combines multiple coverage types to protect against the specific risks your industry faces. Here are the key coverages to consider:
Professional Liability
Covers claims from negligent hiring, wrongful termination referrals, misrepresentation of candidates, or placement errors.
General Liability
Covers bodily injury and property damage claims at your agency office and at client locations.
Cyber Liability
Covers breaches of sensitive candidate and employee data, including Social Security numbers and financial information.
Commercial Property
Protects your office equipment, computers, and files against damage, fire, and theft.
Who needs it
Who needs Staffing Agencies insurance?
If you operate a Staffing Agencies business, protecting your operations, assets, and clients with proper insurance coverage is essential. This includes:
- Temporary and contract staffing agencies — Act as employer of record for placed workers, carrying workers' comp liability across all client worksites.
- Permanent placement and executive search firms — Face E&O claims when placements fail or candidate credentials are misrepresented to client companies.
- Healthcare and clinical staffing companies — Place nurses and clinicians in patient-facing roles, inheriting malpractice and credentialing liability.
- Light industrial and warehouse staffing agencies — Place workers in physically demanding environments with elevated injury rates and workers' comp exposure.
Why Ashmont Insurance Agency
The smarter way to insure your Staffing Agencies business
Our platform removes the guesswork from finding the right coverage at the best price.
Instant comparison
Our platform analyzes your Staffing Agencies business profile and compares policies from multiple carriers in seconds, surfacing the best coverage combinations at prices a traditional broker would take weeks to find.
Multiple top-rated carriers
We work with America's leading commercial insurers including The Hartford, Travelers, Chubb, CNA, Liberty Mutual, and more. More options mean better rates and broader coverage for your business.
Licensed advisors on demand
Our platform handles the research, but licensed commercial insurance advisors are always available to review your Staffing Agencies coverage, answer questions, and help you make the right decisions for your business.
FAQ
Frequently asked questions about Staffing Agencies insurance
Have more questions? Our licensed advisors are available by phone, email, or chat.
Staffing agency insurance costs vary significantly based on the industries you place workers in and total payroll volume. General liability may cost $1,500–$5,000 per year; workers' compensation is calculated as a percentage of placed employee payroll. Ashmont Insurance Agency compares multiple carriers for competitive rates.
In most cases, the staffing agency (as the employer of record) is responsible for workers' compensation coverage for placed temporary workers. Client companies may provide coverage under co-employment arrangements, but this must be clearly defined in contracts.
Staffing agency E&O covers claims from clients alleging negligent screening, misrepresentation of a candidate's qualifications, wrongful placement, or breach of contract. It pays legal defense and settlement costs.
Employment Practices Liability Insurance (EPLI) is strongly recommended for staffing agencies, covering claims of discrimination, harassment, and wrongful termination involving your placed workers and your own staff. Ask an Ashmont Insurance Agency advisor about EPLI options.
Yes. Ashmont Insurance Agency lets you compare staffing agency insurance from multiple carriers online in minutes. We evaluate your placement types, industries served, and payroll to find your most competitive coverage options.
Ready to protect your Staffing Agencies business?
Compare Staffing Agencies insurance quotes from multiple carriers the same day. No obligations, no phone tag — just smarter coverage for your business.