Industries → Staffing

Coverage built for agencies that place people.

Staffing and temp placement agencies carry a unique exposure: your workers show up at someone else's job site, doing someone else's work, under someone else's supervision. Standard business policies often miss that gap. We build programs specifically around workers you employ but don't directly supervise.

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Why This Risk Is Different

Your employees work at someone else's site.

A staffing agency's biggest exposure isn't at its own office, it's wherever its placed workers actually clock in. Whether you're placing warehouse labor, office temps, or skilled tradespeople, your workers' comp and liability need to follow them onto a client's premises, under a client's supervision, doing a client's work.

We work with carriers who understand the staffing model specifically, including how to properly classify workers across multiple client sites and job types.

Coverage Types

The lines every staffing agency needs.

A complete staffing agency program covers the placement itself, the worker on-site, and the business relationship with your client.

Workers' Compensation

Required the moment you employ placed workers, even though they perform work at a client's site. Proper classification across multiple job types and client locations matters here more than almost any other business.

Workers' Compensation

Professional Liability (E&O)

Covers claims tied to the placement service itself: a negligent hire, a background check failure, or a claim that a placed worker wasn't qualified for the role they were sent to fill.

Professional Liability

General Liability

Covers third-party bodily injury and property damage claims at your own office as well as exposures tied to your operations, separate from what happens at a client's job site.

General Liability

Commercial Umbrella

Extra liability sitting on top of your general liability and workers' comp policies. When a claim exceeds your primary limits, umbrella coverage protects the business from a lawsuit that could otherwise threaten it.

Commercial Umbrella
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Who We Work With

Every placement model, properly covered.

Different placement types carry different exposures, and we tailor the program to match how your agency actually operates.

  • Light industrial & warehouse staffingHigher-risk placements with physical labor exposure. We make sure workers' comp classifications match the real job duties on-site.
  • Clerical & office temp placementLower physical risk, but professional liability exposure around placement quality and background screening still applies.
  • Skilled trades & technical staffingSpecialized placements often carry higher wages and higher-risk job duties, requiring careful classification and limits.
  • Multi-state operationsPlacing workers across state lines means navigating different workers' comp requirements in each jurisdiction, which we help coordinate.
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Client Contract Requirements

We match coverage to what clients require.

Most client companies require specific coverage limits and additional insured status before they'll accept placed workers on-site. We know what these staffing agreements typically require and make sure your certificates and endorsements are issued correctly the first time.

Conexion tip: review your client agreements for indemnification and additional insured language before you sign. We can help flag terms that create coverage gaps.

Frequently Asked Questions

Staffing agency insurance, answered.

The questions we hear most often from staffing and temp placement agencies, straight from our team.

Yes. As the employer of record, you're generally responsible for workers' compensation even when your placed workers perform their duties at a client's location under the client's day-to-day supervision.
It covers claims tied to the placement service itself, such as a negligent hire, a background check failure, or a claim that a placed worker wasn't qualified for the role they were sent to fill.
Often, yes. Most client companies require specific coverage limits and additional insured status in the staffing agreement before they'll accept placed workers on-site. We help make sure that's set up correctly.
Multi-state placement is common, but workers' comp requirements vary by jurisdiction. We help coordinate coverage across the states where you place workers.
Yes. Physical labor placements carry higher workers' comp classifications than clerical or office placements, so accurate classification for each job type matters for both cost and coverage.
Cost depends on payroll volume, the mix of job types you place, and the states you operate in. Because we shop multiple carriers, we can compare pricing rather than quoting a single company's rate.

Let's get your placements properly covered.

Tell us about the types of workers you place and where, and we'll build a program that fits.

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Disclaimer: The coverages, endorsements, and features described on this page are illustrative examples and may vary by carrier, state, and individual policy. Conexion Insurance Agency does not guarantee that any specific coverage, limit, or exclusion applies to your policy. Actual terms are governed solely by the policy issued to you, please review your own policy documents carefully and contact us directly for specifics about your account.