STAFFING INSURANCE

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Why Us

Akker’s Expert team has been building trust for the past 14 years with A+ rated national Staffing Carriers to find their clients the best priced coverages in the market. Coverages include but are not limited to: Staffing General Liability, Errors & Omission, EPLI, Auto, Workers’ Compensation and more.

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Insurance Solutions

  • WORKERS’ COMPENSATION

    Workers’ Compensation for temporary staffing firms and employment agencies. Single and Multi State Policies written with A+ rated carriers. In case of an injury or illness Workers’ Compensation will cover your company and employees for: lost wages due to been unable to work, medical expenses incurred, permanent disability, rehabilitation and death benefits. Statutory Workers’ Compensation provides employees who become injured or ill while on the job with medical coverage and income replacement. Guarantee Cost or Deductible Policy options available.

  • PROFESSIONAL LIABILITY

    Professional Liability Policy protects staffing firms for legal actions alleging financial loss arising from the placement of and the services performed by contract workers. Professional Liability exposure for staffing firms face: placement exposure, work performed, and services provided. Highlights of the Professional Liability policies Akker quotes: A+ rated carriers, Individual Policy separate limits, deductible options available, occurrence form, blanket additional insured endorsement for all of your clients, duty to defend, policy for contract/temporary placements, ASO, direct hire and pay-rolling.

  • EMPLOYMENT PRACTICES LIABILITY

    In today’s environment staffing firms face even more exposure in employment related claims. Employment Practices Liability insurance is designed to protect staffing firms against claims brought by an applicant or employee for allegations, including but not limited to discrimination, sexual harassment, and wrongful termination. Provides coverage for applicants, temporary employees, a staffing firm’s in-house employees and, of course, clients are added as additional insured. Written with A+ rated carriers and Individual Policy with separate limits and deductible. 

  • ALTERNATE EMPLOYER

    An endorsement added to a workers’ compensation policy that provides an entity scheduled as an alternate employer with primary workers’ compensation and employers’ liability coverage as if it were an Insured under the policy. This endorsement is commonly used when a temporary help agency (the Insured) is required by its customer (the alternate employer) to protect the alternate employer from claims brought by the Insured's employees.

  • WAIVER OF SUBROGATION

    A Waiver of Subrogation is an endorsement that prohibits an insurance carrier from recovering the money they paid on a claim from a negligent third party. An Owner Client may require this endorsement from their vendors to avoid being held liable for claims that occur on their job-site.  Waiver of Subrogation often comes in two different formats specifically name an entity or it will be in the form of a Blanket Waiver of Subrogation.

  • STAFFING LIABILITIES

    General Liability

    Hired & Non-Owned Auto Liability

    Employee Benefits Liability

    Abusive Acts Liability

    Crime/3rd Party Theft Liability

    Umbrella Liability & more…

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FAQs

What types of insurance does a staffing agency need?

1

Staffing agencies need a core package that includes Workers' Compensation, General Liability, Professional Liability (E&O), and Employment Practices Liability (EPLI) — with most enterprise clients also requiring a Waiver of Subrogation and Alternate Employer Endorsement on the Workers' Comp policy before a temp worker sets foot on their site. Akker works exclusively with staffing firms nationwide, placing coverage with A+ rated national carriers.

Do staffing agencies need EPLI insurance?

2

Yes — staffing agencies face a uniquely elevated EPLI exposure because they are responsible for claims brought by three distinct groups: their own in-house employees, the temporary workers they place, and even job applicants who were never hired. A single discrimination, harassment, or wrongful termination claim from a placed temp worker can name both the staffing agency and the client company simultaneously.

What is an alternate employer endorsement and does my staffing agency need one?

3

An Alternate Employer Endorsement adds your client company to your staffing agency's Workers' Compensation policy as an alternate employer — which means if one of your placed temp workers is injured at their site, Workers' Compensation becomes the exclusive remedy against both your agency and the client, preventing the injured worker from filing a separate civil lawsuit directly against your client for additional damages. If any of your clients are enterprise companies, national logistics firms, healthcare systems, or manufacturers, the answer is almost certainly yes — most require it in their vendor contracts before a single temp worker can start, and without it you risk losing the contract entirely.

What does staffing professional liability (E&O) insurance cover?

4

Staffing Professional Liability — also called Errors & Omissions (E&O) — protects your agency against claims of financial loss arising from the placement of workers and the services they perform, including allegations of negligent hiring, failure to screen candidates properly, breach of contract, and errors made by your placed workers while on assignment at a client site. Unlike General Liability which covers bodily injury and property damage, E&O covers the financial and reputational harm your client claims they suffered because of who you sent them or how they performed — and for staffing agencies, these two coverages must work together because a single placement gone wrong can trigger both policies simultaneously.