Temporary staffing

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Focused on professional, light industrial and medical temporary staffing with premiums of $50,000 or more, this program offers guaranteed cost premiums with access to risk management tools designed to help temporary staffing companies lower their total cost of risk over time.



  • Temporary staffing and medical staffing specialists with premiums of $50,000 or more
  • Professional/light industrial: medical staffing:
    • Longer term in nature, a more highly compensated basis in specialized white to gray collar industries
    • Certain manufacturing and light-blue collar classes can be accommodated
    • Longer term placements of RNs and LPNs (as opposed to CNAs)
    • Hospitals
    • Clinics
    • Doctors offices
    • Outpatient surgical centers
    • Schools
    • Physical/occupational therapists
    • X-ray techs
    • Dental hygienists

Other requirements:

  • Premiums beginning at $50,000
  • Solid management team with proven expertise in the staffing industry
  • Management commitment to underwriting and safety of client operations, including written safety programs in areas such as patient lifting, blood borne pathogens, ergonomics, etc.
  • Transparent, tangible loss history. Require 3 years minimum operating history
  • For medical staffing risks, Joint Commission on the Accreditation of Health Care Organizations (JCAHO) certification
  • Need address information on all single locations with over 50 employees at one time

Ineligible risks:

  • USL&H exposures
  • The program excludes staffing companies in following sectors:
    • Heavy industrial/manufacturing
    • Construction
    • Transportation
    • Nursing homes or assisted living
    • Private homes (home health services)
    • Prison facilities
    • Psychiatric hospitals or drug/alcohol rehab facilities
    • Temp. staffing agencies with less than three years in business


  • Nationwide
  • As one of the largest property and casualty insurers in the country, Zurich has workers compensation filings in all non-monopolistic states, so we seamlessly accommodate multi-state staffing companies
  • State-by-state market conditions are closely monitored, and currently we are accepting staffing companies whose payroll is not more than 10% in the state of California

Submission requirements:

  • Acord Applications 125 & 130, available upon request for contact
  • Supplementary application, available upon request for contact
  • Five years loss run history
  • Five years payroll/exposure data
  • Five years of audited payroll summary
  • Experience mod worksheet
  • Details for losses over $25,000
  • Two years financial statements
  • Job duties for employee assignments

Coverages offered:

  • Statutory Workers' Compensation
  • Employer's Liability 
  • Blanket alternate employer endorsement capability
  • Blanket waiver of subrogation capability when required by contact

Coverage limits:

  • Workers' Compensation: Statutory Employer's Liability : $1,000,000/$1,000,000/$1,000,000

Admitted or non-admitted paper:  

  •  Admitted

Additional program highlights

  • Available services include loss control and auditing
  • Available pricing programs include guaranteed cost
  • Small deductible options available up to $10,000
  • Program Administrator has more than 10 years experience insuring temporary staffing agencies