Business Insurance for Employment Agencies

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Why do employment agencies need business insurance?

If a temporary 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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One application, multiple quotes

Insureon helps employment agencies and temporary staffing agencies compare quotes from top U.S. insurance carriers online.

Get several quotes with one easy application.

What types of insurance do employment agencies need?

These insurance policies cover common risks in the staffing industry.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage in one plan. It's often the most cost-effective commercial insurance for an employment agency.

  • Customer injuries
  • Stolen or damaged business property
  • Business interruption incidents
General liability insurance icon

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 temporary staffing firm and suffers a concussion.

  • Customer injuries
  • Customer property damage
  • Libel and slander lawsuits
Professional liability insurance icon

Professional liability insurance

This policy helps cover legal defense costs if a temporary employee sues your agency for negligence or a mistake. It's sometimes referred to as errors and omissions insurance (E&O).

  • Wage and overtime disputes
  • Background check violations
  • Breach of contract
Workers’ compensation insurance icon

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.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Commercial auto insurance icon

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.

  • Property damage caused by your vehicle
  • Bodily injuries from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability 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.

  • 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?

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An employment agency with only a few workers will pay less for insurance than a larger company.

Factors that affect premiums include:

  • Professional services offered, such as staffing services
  • Business property and equipment
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

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:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. 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 coverage for your employment agency, whether you work independently or hire employees.

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