Temporary staffing insurance

3 business people

Our temporary staffing program features a package policy for staffing agencies that provide temporary employee direct hire services. The coverages are also available for Professional Employer Organizations, Administrative Services Organizations and Managed Service Providers. Zurich's policy includes Employment Practices Liability, Errors and Omissions and General Liability.


Appetite:

Staffing firms placing white collar workers, blue collar workers, and professionals, including medical workers.

  • Temporary placements (contract workers)
  • Direct hire - executive search, employment agencies
  • Payroll services
  • Professional Employer Organizations (PEO)*
  • Administrative Service Organization (ASO)
  • Vendor Management Systems (VMS)
  • Managed Service Providers (MSP)
  • Consulting staffing services such as human resources, resume writing, etc.

* Workers' Compensation coverage is not available for Professional Employer Organizations (PEO)

Ineligible risks:

  • Temporary placements of doctors and dentists

Geography:

  • Nationwide

Submission requirements:

  • Staffing service application available upon request for contact from this Program Administrator
  • Loss runs 3 years currently valued with details of any losses
  • Employee manual may be required

Coverages offered:

  • Professional Liability
  • General Liability
  • Abusive acts
  • Employee Benefits Liability
  • Employee Practices Liability
  • Hired and non-owned auto
  • Owned auto
  • Stop Gap Liability
  • Umbrella Liability
  • Crime
  • Property
  • Workers' Compensation
  • Also available: D&O, Fiduciary, Cyber Liability

Additional program highlights:

  • Coverage afforded for the placement of workers and the service they engage in, including professional services
  • Knowledge of claim limited to corporate officer or risk manager
  • General Liability and Professional Liability written on occurrence form with defense outside the limits
  • Claims made Professional Liability is also available and the defense is outside the limits
  • Innocent insured provisions
  • EPLI includes 3rd party and wrongful business environment coverage
  • Umbrella policy - occurrence coverage provided over Commercial Auto, General Liability, Professional Liability, Employee Benefits Liability, Employers Liability and Employment Practices Liability
  • All coverages written contemplating employees working on and off premises
  • Blanket additional insured
  • Primary and non-contributory
  • Designated project limit of liability
  • Waiver of transfer of rights of recovery included in General Liability and Professional Liability and available for most other coverage
  • Worldwide coverage
  • Independent contractors included as insureds
  • Crime - coverage for first and third party dishonest acts
  • Crime - coverage for Insured and Client Trade Secrets (1st and 3rd party)
  • Special property coverage enhancements
  • All policies and coverages are NOT auditable

Coverage limits:

  • Underlying: up to $10 million available
  • Umbrella: $10 million and higher limits available

Admitted or non-admitted paper:  

  • Admitted