Staffing Liability Coverage

Not all Temporary Staffing Liability Coverages are the same. This means that Temporary Staffing Company owners must be careful to understand those differences that how they might impact their company and it’s operations, and choose their partners carefully.

That said, it may also mean that the Temporary Staffing Firm that your company is doing business with, isn’t exactly the staffing partner they make themselves out to be. The important take away for either party is to choose your partners carefully; and get it in writing.

General Liability

General Liability (GL) policy steps in to protect a staffing firm for legal actions alleging bodily injury and or property damage. For the insured’s contract employees (temporary placements), an occurrence-based policy specifically extends coverage to the insured for damage caused by the contract employee while on assignment (care, custody, and control).

Professional Liability

Professional Liability (PL) policy protects staffing firms for legal actions alleging financial loss arising from the placement of and the services performed by contract workers – from administrative and blue collar to professionals, including but not limited to architects, engineers, accountants, attorneys, IT placements, medical professionals and home health care.

Locum Tenens

Hospitals and other organizations’ medical malpractice insurance usually only covers their own employees and their acts, but not the locum tenens physician or the temporary staffing company providing the doctor.

Employee Practices Liability

Employment Practices Liability (EPL) insurance is designed to protect staffing firms against claims brought by an applicant or employee for allegations, including but not limited to discrimination, sexual harassment, and wrongful termination.

Employee Benefits Liability

Employee Benefits Liability (EBL) insurance is needed to protect an employer for an error or omission in the administration of an employee benefits program.

Umbrella/Excess Liability

Umbrella Liability policy provides increased coverages and limits of liability over scheduled underlying policies including Professional Liability (PL), General Liability (GL), Commercial Automobile Liability, Employee Benefits Liability (EBL) and Employers Liability (EL) without a SIR in most states.

Hired & Non- Owned Liability

Hired and Non-Owned Auto (H&NO) Liability policy covers the staffing firm and the staffing firm’s client for damage to the property of others or to bodily injury to others caused by a staffing firm’s employee when driving a client’s vehicle.

Owned Auto Liability

Owned Auto Liability policy provides coverage for the vehicles owned by the staffing firm for liability, property damage, medical payments, uninsured/underinsured motorists’ coverage, comprehensive and collision insurance.

Crime & Fidelity

Crime can be as simple as theft of client goods by the temporary employee or as complicated as embezzlement of ghost payrolls. First and third-party Crime coverage protects the insured and their client from dishonest acts committed by the staffing firm’s employees.

Staffing Cyber Liability provides coverage for security or privacy breaches of the staffing firm’s computer systems or the exploitation of their client’s computer systems by their temporary employees the staffing firm’s internal employees.

Complete the Specialty Staffing Cyber Liability Application Now!