Staffing Agency Insurance Coverage Checklist
The coverages a 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 staffing agencies. Priorities reflect typical exposure; confirm against placement mix and client contracts.
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 |
|---|---|---|---|
| Workers' Compensation | Required in most states. | Core | |
| Commercial General Liability (Staffing Form) | Covers placed workers' actions at client sites — confirm placed workers aren't excluded. | Core | |
| Employment Practices Liability (incl. Third-Party) | Covers harassment and discrimination claims by workers and client employees. | Core | |
| Crime / Third-Party Fidelity | Covers theft by placed workers from clients. | Prevalent | |
| Hired & Non-Owned Auto | Covers placed drivers and worker transport. | Prevalent | |
| Professional Liability / E&O | Covers claims over placement decisions and worker qualifications. | Situational |
The coverage gap most often missed
The most commonly missed exposure for this class is workers' comp on misdescribed jobs. OSHA treats agency and client as joint employers, but the agency's comp policy pays when a client puts a temp on equipment or tasks the job order didn't describe. Agencies should get written job descriptions, visit new client sites, and pull placements when the work changes.
Send us the checklist and we'll review your staffing agency coverage line by line, then market it across multiple carriers that compete for your account.
Related: Staffing Agency Insurance · Staffing Agency Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a staffing agency business need?
The core coverages for a staffing agency business are Workers' Compensation, Commercial General Liability (Staffing Form), Employment Practices Liability (incl. Third-Party). 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 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.