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Why do employment agencies need business insurance?
If a worker alleges they were paid unfairly, or placed in a hazardous workplace, the result could be a lawsuit. Business insurance can help pay for costly legal fees, settlements, medical expenses, and property repairs that could devastate a small employment agency.
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What types of insurance do employment agencies need?
These insurance policies cover common risks in the staffing industry.
Business owner’s policy
A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective type of commercial insurance for an employment agency.
BEST FOR
- Customer injuries
- Stolen or damaged business property
- Business interruption incidents
General liability insurance
A general liability policy provides financial protection against third-party risks, such as a client who trips on a broken step at a staffing firm and suffers a concussion.
BEST FOR
- Customer injuries
- Customer property damage
- Libel and slander lawsuits
Professional liability insurance
This policy helps cover legal defense costs if a client sues your agency for negligence or a mistake. It's sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Wage and overtime disputes
- Background check violations
- Breach of contract
Workers’ compensation insurance
Most states require workers' comp for staffing companies that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers financial losses when an employment agency's vehicle is involved in an accident. State laws usually require this coverage for business vehicles.
BEST FOR
- Property damage caused by your vehicle
- Bodily injuries from an auto accident
- Vehicle theft and vandalism
Cyber insurance
This policy helps employment agencies recover from data breaches. It's recommended for any small business that handles Social Security numbers or other personal information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Data breach investigations
Looking for different coverage? See more policies.
How much does insurance cost for professional service businesses?
An employment agency with only a few workers will pay less for insurance than a larger company.
Factors that affect professional service premiums include:
- Type of services offered, such as staffing services
- Business property and equipment
- Business income
- Types of insurance coverage purchased
- Policy limits and deductibles
- Additional insured endorsements
How do I get staffing agency insurance?
It's easy to get business insurance for your employment agency, IT staffing agency, or medical staffing agency if you have your company information on hand. Our application will ask for basic facts about your business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application
- Compare insurance quotes and choose policies
- Pay for your policy and download a certificate
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance solutions for your employment agency. Find all the coverage you need for a complete risk management plan, including employment practices liability insurance (EPLI), commercial umbrella insurance, and hired and non-owned auto insurance (HNOA).
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