Staffing Agency Insurance

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Staffing agencies are the bridge between temporary employees and companies. This makes the role of a staffing agency unique because it puts you in a place that exposes your business to a variety of risks. That’s why it’s important to understand the specific risks your agency faces so you can secure a specialized staffing agency insurance policy to protect your business.

What makes insuring staffing agencies different?

Staffing agencies play a special role for companies of all types and sizes. If an employer needs to hire temporary employees, they turn to a staffing agency to provide them with a worker who is qualified, skilled, and experienced in the job they are hired to do. However, in most places, even though temporary employees are working for a company, they are still considered employees of the staffing agency. That means things like on-the-job injuries, property damage, personal injury, errors and omissions, negligence, and crimes that are related to the employee can be your responsibility as their employer. Therefore, you must consider these potential risks when selecting insurance coverage options to safeguard your business.

The risks associated with staffing agencies.

One of the most important functions of a staffing agency is placing the right person in the right position. For instance, imagine if your agency were to place someone who did not have the required skills, experience, or certifications for a specific job that they were hired for. The consequences could range from the employee becoming injured, damaging property or equipment, causing reputational damage to the company, or causing injury to someone else. Because your agency placed that person, you could face lawsuits and be held responsible damages. Another risk involves hiring practices. A person who was passed over for a job could allege that they were discriminated against by your agency. Employment practice liability insurance offers coverage for discrimination lawsuits.

Insurance solutions that every staffing agency should have.

One of the most important policies that a staffing agency needs is errors and omissions liability insurance. This offers coverage in cases where you place a temporary employee who does not have the right skills, you don’t meet industry regulations, or you fail to uphold a contract with a company you work with. Also, because your office likely has high foot traffic while you interview candidates for placement, general liability insurance is essential in the event someone is injured on your property.  And finally, crime insurance is essential to have in the event that a temporary employee you placed is caught stealing from the company they are working for.

The business side of operating a staffing agency.

While staffing agencies are in a unique niche with specific needs, there are general business insurance policies that may be necessary depending on your operations and where you operate. Commercial property insurance covers your office building, as well as equipment and supplies. Also, cyber liability insurance is essential if you store employee or company information on your computer systems and they are hacked.

Are you ready to protect your staffing agency with an insurance policy that fits your needs? Contact us to discuss your coverage options.

Staffing Agency Insurance - Woman Walking into the Office of a Staffing Agency

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