Administrative & Staffing Agencies
Targeted liability and workers’ compensation solutions for firms managing outsourced personnel, co-employment risks, and temporary staffing contracts.
Operational Risk Profile
Staffing and recruiting firms operate in a highly complex legal environment defined by “co-employment” risks. Agencies face severe exposure because they place personnel into third-party work environments where the agency has no direct control over daily safety protocols. Primary liabilities involve massive workers’ compensation exposures, negligent placement lawsuits, and employment-related grievances.
Core Coverage Considerations
While every business has a unique risk profile, a foundational risk management strategy for this industry typically includes the following core coverages. We will work with you to identify any additional specialized policies required for your specific operations.
Workers’ Compensation (Multi-State)
The most critical coverage for staffing firms, requiring complex structuring to cover temporary employees operating across various high-and-low hazard client sites.
Employment Practices Liability (EPLI)
Mandatory defense against claims of wrongful termination, discrimination, or sexual harassment brought by temporary employees against the agency or the host client.
Professional Liability (Negligent Placement)
Protection against lawsuits alleging that the agency failed to properly vet a candidate who subsequently caused financial or physical harm to the client.
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