Insurance for recruiting and staffing firms.

The placed-worker complexity

Staffing is more complex than typical professional services because the firm places workers into client environments, raising questions about who employs the worker, who carries workers comp, and who is liable for employment claims. Temp and direct-placement models differ, and leased-employee and co-employment issues are real. This is the defining exposure, and it deserves specialized handling.

E&O, EPLI, and workers comp

A recruiting or staffing firm faces professional liability for screening and placement errors, employment-practices liability for its own and sometimes placed-worker claims, and workers comp obligations that depend on the model. These coverages have to be coordinated carefully, since gaps between them are where staffing firms get hurt.

A specialized conversation

Because of the worker-status and co-employment complexity, staffing insurance is a specialized market, and the right structure depends on how the firm operates. We build the program around the staffing model and coordinate with your advisors on worker-classification questions, which are legal and state-specific.