We specialize in coverage for the Temporary Staffing Industry, and are dedicated to servicing your unique business needs. We grow if you grow….therefore, we are here to help cover your business as well as to shop your policies with a variety of carriers….as one size does not fit all. In doing this, we can make sure you are always getting the most competitive quotes along with the correct coverages to protect your company.

We Offer:

  • Workers Compensation        
  • General Liability
  • EPLI
  • Hired & Non-Hired Auto
  • Crime
  • Abuse Coverage
  • Employee Benefit Insurance
  • Umbrella
  • Cyber Insurance
  • Accounts Receivable Insurance

Program Coverages:

We work with you to tailor an insurance program that is designed to meet your agency’s specific business needs.  

We Can Insure:

  • Industrial

  • Office / Clerical

  • Manufacturing

  • Contractors & Construction

  • Trucking & Transportation

  • Warehouse

  • Many Other Specific Industries

Our Products Include:

  • Traditional Policies

  • Pay-As-You-Go

  • PEOs

  • Captives

Our carrier companies include:   

  • Arch Insurance Company
  • Everest National Insurance Company
  • Markel Insurance Company
  • Philadelphia Indemnity Insurance Company
  • Zurich American Insurance Company
  • Accident Fund Insurance Company of America
  • Benchmark Insurance Company
  • State Compensation Insurance Fund
  • Security National Insurance Company

Workers Compensation Insurance












Protects your employees, as well as protecting your agency from being sued by your employees for work related injuries.  While overall cost is important, there are other factors to consider. The best plan for your agency may be a traditional plan, captive, pay-as-you-go, or high deductible coverages.  As an insurance broker, we represent a large list of insurance companies, and understand the complete list of options available to you. Our goal is to provide you with the best coverage that lowers your costs, reduces your total premiums, and best protects your agency.  If you are having difficulty finding coverage for hard to place accounts, we can assist you to resolve this challenge and make appropriate recommendations.

If one of your employees is injured on the job, workers comp will cover medical costs and lost wages during their recovery period. Whether or not your business has appropriate coverage, your employees are entitled to these benefits by law. 

Who is considered to be an employee?

An employee is someone who:

  • Is paid
  • The employer can hire and dismiss them
  • The employer exercises control over how any work is performed


What are the reporting procedures for injuries and illnesses?

When an employee is injured, they should notify you immediately and file a report. This report will initiate the process for receiving workers comp insurance benefits.

How are employees reimbursed?

Lost compensation is payable during the time in which employees are authorized by their physicians. Benefits are paid weekly at state determined percentage rates of their average weekly pay, up to a maximum dollar amount. There is also a state-specified waiting period before benefits become available. 


What is an Independent Medical Exam (IME)?

An IME is an exam by a medical professional other than the physician who first examined an injured or sick employee. As the employer you can request an IME to confirm an original diagnosis and treatment plan.


What happens if employees do not follow the recommended treatments?

Non-compliance with medical treatments, therapy or return-to-work plans may put workers’ compensation benefits in jeopardy.


Safe Work Place Recommendations:

It is essential to maintain a safe workplace. This is can be the best and most cost-effective way to control your workers compensation insurance costs. 

You may also want to consider:

  • Implementing a return-to-work policy in which employees work modified duty until they are fully healthy to do their jobs.
  • Train all employees on safety and best practices for their job functions.
  • Mandate that all employee claims be reported immediately.
  • Investigate all causes of injuries and illnesses.  
  • Take corrective actions and steps to prevent any recurrences.

General Liability:











Protects your business against bodily injury and property damages.  It is important to ensure that your coverage extends beyond just your office, but also for all of the workers you place at client locations.  For example, if your employee working at a distribution center injures a pedestrian in a parking lot while driving a forklift, your general liability insurance needs to respond.


What Does General Liability Insurance Cover?

The only way to protect the assets of your business is to carry appropriate Commercial General Liability insurance. This coverage category protects your business if it is determined to be responsible for bodily injury or property damage.  This is a fundamental coverage and is generally one of the first liability insurance clients will purchase.


A General Liability Insurance policy provides coverage for:

  • Bodily injury or other physical injury,
  • Personal injury (libel or slander),
  • Advertising injury
  • Property Damage as a result of your products, premises, or operations.


As a precaution against liability, coverage enables you to carry on your daily operations while dealing with real or fraudulent claims of negligence or wrongdoing. These policies also provide coverage for additional costs of defending and settling all claims. 


Typical Commercial General Liability Policies Cover:

  • Premises and Operations: Provides coverage for bodily injury and property damage by others on your premises or associated with your business operations.  If any of your employees work off-site, this insurance can also provide coverage for their work.
  • Products Liability: Provides coverage for bodily injury and property damage by others as a result of your products.  
  • Personal and advertising injury: Protects against potential offenses made by your business or your employees during the course of business, such as libel, slander, disparagement, or copyright infringement in advertisements.
  • Defense costs: Provides coverage for legal expenses for any liability claims against your business, regardless of who is at fault.
  • Medical expenses: Provides coverage for medical expenses if someone is injured on your premises or by your products.  This is a no-fault coverage and is available regardless of who is at fault.


How Much Coverage Is Needed for Your Business?

The amount of coverage that your business needs is dependent on these considerations:

  • Perceived risk:  Consider the amount of risk associated with your business operations and functions.
  • Premises and operations liability:  If you are located in a state that has a reputation for rewarding high damages, you may consider purchasing greater liability limits.
  • Type of service rendered:  If you provide services that have a greater possibility of damaging someone or something, increase your coverage accordingly. Additionally, an Umbrella Liability policy can be added to achieve the necessary liability limits.

Professional Liability:

Protects against damages caused by a failure to perform duties in a professional manner.  General Liability insurance does not cover this particular exposure. This additional coverage is most economical when it is bundled with your complete insurance coverage package.  These exposures will vary depending upon where most of your staffing placements are located. Regardless of the type of placement the staffing agency makes, they will all need Professional Liability insurance.

There are three categories of exposures that staffing firms generally face: placement exposure, actual work performed by the temporary employee, and additional services the staffing firm is providing to clients.

Placement Exposure:

This involves failure to provide the required number of workers to a client, providing wrong or improper workers, failure or improper screening, and failure or improper testing. 

Another type of placement exposure involves workers bringing a lawsuit against staffing firms for allegedly misrepresenting the company where the employee was placed. Direct Hire, Executive Search and Recruitment, Retained Search, Temporary Placements and any staffing firm from an ASO to PEO that makes any placements should have Professional Liability coverage, also called Errors and Omissions (E&O) Liability insurance.

Work Performed Exposure:

This involves a contract worker who has the required background according to the staffing agency but makes mistakes that result in a financial loss for the client. The staffing firm is responsible for the job its employee does and doesn’t perform or does improperly. The difference is that temporary workers are the employees of the staffing agency, which is responsible for their mistakes.  

For example, if a forklift driver is determined not to be properly forklift certified, it could be decided that your agency breached appropriate professional guidelines by not providing a properly trained and certified employee.

Services Provided Exposure: 

This category includes services the staffing agency is providing to their clients beyond the placements, such as consulting activities for clients and could include services provided by a PEO or an ASO. Any services provided to clients can result in mistakes, incorrect information, failure to act, or failure to advise.

Hired and Non-Hired Auto:













Protection from liability associated with employees that operate their vehicle while performing company business.

This is a very affordable additional coverage and is recommended for staffing agencies.

Staffing agency automobile liability exposure increases when employees use their own vehicles for business purposes on behalf of their employer. Staffing agencies also have an additional exposure involving employees driving vehicles belonging to the agency’s clients. Most clients require the staffing company to be responsible for a client’s liability as a result of the staffing firm’s employee being involved in an accident while using the client’s vehicle. Not all staffing agency Hired and Non-Owned Auto policies provide coverage for client’s liability when a staffing firm’s employee is driving the client’s vehicle. You need to be sure your policy includes this coverage.

All Hired and Non-Owned Auto Liability policies need to cover the staffing agency and the client for damage to the property of others or for any bodily injury to others caused by a staffing agency employee when driving a client’s vehicle. The policy will also protect the “named insured” staffing agency when its employees are driving their own vehicles on behalf of agency business. 

Other instances include employees renting a vehicle.  This is called a “hired car” under the Hired and Non-Owned Auto policy. You can choose to either obtain insurance from the rental car companies to cover damage to the rental car or you can have Hired Car Physical Damage coverage endorsed on your policy. This will cover damage to the rented vehicle your employees are driving while on company business. Hired Car Physical Damage coverage is only provided when you obtain specific endorsements.


Coverage Includes:

  • Owned/non-owned/hired auto 
  • Drive Other Car coverage if needed 
  • Lease Gap coverage where needed

Employee Practices Liability Insurance:













Protects against liability of employee actions involving harassment, discrimination, refusal to hire, and wrongful termination. An increasing number of claims are steadily being filed in this area at present.

Staffing agencies face distinct employee issues and liabilities due to their employees being placed under the direction of their clients, rather than direct supervision from the agency that is their employer. Generally, if an employee works for a staffing agency and files an employment practices liability claim, both the agency and the client company where the employee works can be sued.


Employment Practices Liability covers: 

    • Wrongful failure to employ or promote
    • Wrongful deprivation of a career opportunity
    • Wrongful demotion or negligent evaluation
    • Wrongful discipline
    • Employment-related misrepresentation
    • Employment-related libel, slander, humiliation, defamation, or invasion of privacy


Coverage Extends to:

  • Broad definition of Employees to include volunteers, leased employees, and seasonal employees
  • “Placed employees” of the staffing agency
  • Co-Defendant coverage for a client company of the Insured

Crime Insurance: 

Offers protection for your agency and for your clients from dishonest acts or accusations of employee conduct.  This covers theft of trade secrets, company valuable, forgery, computer fraud, and other dishonest employee acts.

Employee theft is one of the most pervasive and costly problems faced by staffing agencies.  The most common crimes include theft and embezzlement. Staffing agencies need to have a substantial Crime Insurance program in place. The Crime insurance program should provide coverage for theft of not only the staffing agency’s property but also for client company property.


Coverage Includes:

    • Loss Sustained or Discovery coverage available 
    • Third Party Crime coverage available 
    • Coverage Options: Employee Theft/Client coverage  
    • Forgery or Alteration Inside and Outside the Premises  
    • Money Orders and Counterfeit Paper Currency  
    • Computer and Funds Transfer Fraud

Employee Benefits Liability:

This coverage protects against liability associated with mistakes incurred while managing employee benefit plans.  This could include failure to provide the same benefit level across all classes of employees, or any omissions in full advisement of a complete list of available benefits.

Under the Affordable Care Act (ACA), large employers must offer health insurance benefits to their full-time employees (those working an average 30+ hours a week). This can include eligible temporary employees as well, which further increases the staffing agency’s exposure in the administration of employee benefits for both their temporary and in-house employees. Employee Benefits Liability insurance is needed to protect an employer for any act, error or omission in the administration of the offered employee benefits program.

Acts, Errors and Omissions covered are:

  • Counseling employees regarding available Employee Benefit Plans
  • Managing records in connection with Employee Benefits Programs
  • Effecting or terminating an employee’s participation in a plan included in the offered Employee Benefits Programs

Abusive Acts Coverage:

Protects against liability due to willful harmful acts and is sometimes termed as Abuse and Molestation protection.

This coverage is what protects the insured from claims against others, not the insured or employees.  Abuse allegations, sickness, physical injury, disease, mental anguish, mental injury, shock, fright or death constitute coverage areas.


Coverage extends to:

    • Duty to defend
    • Protects insured against third party abusive act claims
    • Coverage is not limited to alleged or actual sexual misconduct
    • Investigations and counseling

Cyber Liability Insurance:

Currently, this insurance is considered to be an essential coverage, as all businesses have potential exposure. Our programs protect your business against privacy breaches, regardless if leaked information originates from electronic or paper compromises. We work with leading cyber liability insurance companies and know the strengths of each. We will shop your coverage and present the best options. 


Protect Your Business from Threats:

Today, we all store sensitive information, whether it is paper-based or digital. This information can be relevant to employees, clients, or vendors. Common thieves that steal laptops and desktops are a concern as well as mobile phones.  If you check your business email that is an additional source of risk. Many current cyber threats at present concern social media scams.


Consider the following when assessing your exposure risks:

  • Information on employees, clients, vendors, and suppliers, whether it is electronic, or paper based.
  • How data is collected 
  • Where data resides in every step of your internal processes
  • Cloud storage, and onsite storage locations
  • Computer backups 


Coverage protects your business from:

  • Release of unauthorized information that the organization has a legal obligation to keep confidential
  • Liability claims involving invasion of privacy, trademark violation, or copyright violations.
  • Violations made whether online, digital or on social media platforms or sites.
  • Computer security failure that cause changes, alterations or deletion of data
Individual Agents
Outstanding Service
Billing Options
Competitive Pricing
Each of our clients is assigned a specific agent within our office. We want you to have a primary contact that is familiar with your agency and your specific needs.
You will always have a phone number that directly reaches your agents, or a back up in case they are out of the office or unavailable. We strive to always exceed your expectations.
We offer flexible billing solutions tailored to your needs.
Because we work with numerous carriers, we have the capability to provide coverage offering the most competitive package for your agency’s needs.

We Strive To Offer You The Best Coverage, Tailored To Your Agency Needs: