Workers' Comp Insurance for Temporary Staffing Agencies
Temporary staffing agencies face many of the same exposures related to their workforce as other companies, but they also have unique challenges related to the varying employment roles they help fill and the different industries they serve.
Zurich’s Workers’ Compensation Insurance for Temporary Staffing Agencies program is focused on professional, light industrial and medical temporary staffing with premiums of $75,000 or more. Our 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.
Business owners: Contact your insurance agent or broker
Insurance agents
Call a specialist now 847-762-7164
Appetite
- Temporary staffing and medical staffing specialists with premiums of $75,000 or more
- Clerical
- Engineering
- Information technology
- Light industrial
- Healthcare
- Preferred characteristics:
- Longer term in nature
- Highly specialized white- to gray-collar industries
- Longer term placements of RNs and LPNs (as opposed to CNAs)
- Hospitals
- Clinics
- Doctor's offices
- Outpatient surgical centers
- Schools
- Physical/occupational therapists
- X-ray techs
- Dental hygienists
Coverages offered
- Statutory Workers' Compensation
- Employer's Liability
- Blanket alternate employer endorsement capability
- Blanket waiver of subrogation capability when required by contact
Geography
- 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
- Acord Applications 125 and 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 modification worksheet
- Details for losses over $25,000
- Two years of financial statements
- Job duties for employee assignments
- Workers' Compensation: Statutory
- Employer's Liability: $1,000,000/$1,000,000/$1,000,000
- Available services include loss control and auditing
- Program Administrator has more than 10 years' experience insuring temporary staffing agencies
- USL&H exposures
- The program excludes staffing companies in following sectors:
- Heavy industrial/manufacturing
- Construction
- Transportation
- Prison facilities
- Psychiatric hospitals or drug/alcohol rehab facilities
- Temporary staffing agencies with less than three years in business
- Professional Employer Organizations (PEO's)
- Premiums beginning at $25,000
- 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, bloodborne pathogens, ergonomics, etc.
- Transparent, tangible loss history. Requires 3 years minimum operating history
- Joint Commission on the Accreditation of Health Care Organizations (JCAHO) certification for medical staffing risks
- Address information on all single locations with over 50 employees at one time
- Admitted
FAQs
Workers’ Compensation Insurance for Temporary Staffing Agencies from Zurich is designed to help protect staffing firms that place temporary or contingent workers. Coverage helps address workplace injury risks while supporting regulatory compliance across multiple job sites and industries.
Zurich Workers’ Compensation Insurance is intended for:
- Temporary staffing agencies
- Employment and labor placement firms
- Agencies supplying contingent or short term workers
This coverage helps staffing firms manage injury risks associated with placing workers at third party locations.
This program is available to Temporary staffing and medical staffing accounts with premiums of $75,000 or more.
Temporary staffing agencies face unique exposure due to multiple client worksites and varying job duties. Zurich staffing-focused workers’ compensation coverage is structured to address these complexities through specialized underwriting, claims handling and risk management support.
Zurich workers’ compensation programs for staffing agencies may support placements across industries such as:
- Clerical and administrative roles
- Light industrial and warehouse operations
- Manufacturing
- Hospitality and service roles
Eligibility depends on job duties, loss history, and underwriting guidelines.
Yes. Zurich Workers’ Compensation Insurance for Temporary Staffing Agencies supports multi-state operations, helping staffing firms manage compliance and coverage consistency across different jurisdictions.
Zurich evaluates staffing agency risk based on factors such as:
- Types of job placements
- Client industries and worksites
- Safety practices and screening procedures
- Loss history and claims management approach
This underwriting process helps align coverage with real world staffing exposures.
Yes. Zurich Workers’ Compensation Insurance for Temporary Staffing Agencies is available nationwide, subject to underwriting guidelines and state workers’ compensation regulations.
Yes. Zurich works closely with insurance agents and brokers experienced in staffing and contingent workforce risks to design coverage aligned with agency operations and client placement strategies.
To obtain Zurich workers’ compensation insurance, brokers can request contact through ZProgramsMatch.
Staffing agencies choose Zurich because of:
- Experience supporting contingent workforce risks
- Dedicated workers’ compensation expertise
- Strong claims and risk management support
- Financial strength and long term stability
Zurich helps staffing agencies protect workers while supporting safe and compliant placement operations.