Medical Staffing Agency Insurance Coverage Checklist
The coverages a medical staffing agency business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for nurse, allied, and locum tenens staffing agencies and nurse registries. Priorities reflect typical exposure for this class; confirm against your actual operations.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| Professional Liability (Agency & Placed Clinicians) | Covers malpractice claims against the agency and the clinicians it places; confirm 1099 and subcontracted clinicians. | Core | |
| Contractual Liability for Client Indemnity | Facilities pass clinician negligence back to agencies through indemnity clauses. | Core | |
| Workers' Compensation (Incl. | Other States) Nurses and aides have high injury rates; travelers work across many states. | Core | |
| General Liability | Covers bodily injury and property damage outside clinical care. | Core | |
| Abuse & Molestation Liability | Clinicians care for vulnerable patients; often excluded or sublimited elsewhere. | Core | |
| Umbrella / Excess Liability | Malpractice and abuse verdicts can exceed primary limits. | Prevalent | |
| Employment Practices Liability | Covers discrimination and harassment claims; check wage-hour defense coverage. | Prevalent | |
| Hired & Non-Owned Auto | Covers rental cars for travelers and clinicians driving to home visits. | Prevalent | |
| Cyber Liability | Clinician SSNs and patient health information are breach targets. | Prevalent | |
| Extended Reporting (Tail) Coverage | Protects past placements if a claims-made policy ends. | Situational |
The coverage gap most often missed
The gap most often missed by medical staffing agencies is the indemnity promised to client facilities. Hospitals pass clinician negligence back to the agency through contract, and at least one hospital won its indemnity cross-claim after a fatal-negligence verdict. If the professional liability policy excludes contractual liability, or covers only W-2 employees and not 1099 or subcontracted clinicians, the agency pays out of pocket. Match every client contract to who your policy insures.
Send us the checklist and we'll review your medical staffing agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Medical & Travel Nurse Staffing Insurance · Medical Staffing Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a medical staffing agency business need?
The core coverages for a medical staffing agency business are Professional Liability (Agency & Placed Clinicians), Contractual Liability for Client Indemnity, Workers' Compensation (Incl., General Liability, Abuse & Molestation Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my medical staffing agency coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.