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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.

Insurance agents



Business owners

Contact your insurance agent or broker for access.

Appetite:

  • Temporary staffing and medical staffing specialists with premiums of $50,000 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

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
    • Prison facilities
    • Psychiatric hospitals or drug/alcohol rehab facilities
    • Temp. staffing agencies with less than three years in business
    • Professional Employer Organizations (PEO's)

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

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
  • Program Administrator has more than 10 years experience insuring temporary staffing agencies