Pricing numbers are based on representative partner data for 2024-2026 general liability policies. Based on policies from Sep 25, 2024 through Sep 16, 2026.
GENERAL LIABILITY
Employment Agencies/Staffing $27/month for general liability
WHY IT MATTERS
Why Employment Agencies/Staffing need business insurance
Staffing businesses face risks in their own offices and at client worksites. Different policies may address employee injuries, third-party accidents and claims that a placement or professional service caused a client harm.
SCENARIO 1
A temporary worker is injured
A temporary employee hurts their back while lifting inventory at a client worksite. Workers' compensation may help with covered medical expenses and lost wages.
SCENARIO 2
A client disputes a placement
A client alleges that a screening or placement error caused a financial loss. Professional liability insurance may help with covered defense costs and damages.
SCENARIO 3
A visitor slips in the office
A job candidate slips on a wet floor and is injured. General liability insurance may help address the resulting bodily injury claim and covered defense costs.
PRICING FACTORS
What determines your rate
Your actual quote depends on several factors specific to your operation:
Types of assignments
Quotes can increase when employees perform higher-risk work, operate equipment or work in physically demanding roles.
Payroll and headcount
A larger payroll or workforce can increase exposure and may raise the cost of workers' compensation and other coverage.
Employee classification
Accurate job classifications matter because office placements and hands-on assignments can present different levels of risk.
Claims history
Frequent or severe prior claims can lead to closer underwriting review and higher quoted rates.
Business locations
Operating in multiple states or sending employees to many worksites can add underwriting complexity because rates and requirements vary by state and by carrier.
Coverage choices
Higher limits, broader coverage and lower deductibles can increase the quoted cost, while narrower choices may leave more risk with the business.
Rate change by revenue tier
Estimated monthly premium range. These are estimates, not a quote — actual rates vary by business.
Most quoted tier: Under $100K
National data
National rate factors
For a national staffing business, its operating footprint and the requirements attached to each assignment can affect available coverage and rates.
State requirements
Insurance requirements and rating considerations vary by state and by carrier, especially when employees work across state lines.
Client contract terms
Client agreements may request particular coverage types, limits or endorsements, which can affect the policy options needed.
Available underwriting options
Carrier interest can vary based on the occupations supplied, worksite conditions and the states where employees perform assignments.
184
Quotes analyzed
37
States represented
3
Coverage lines
BEST RATE
How to get the best rate
Create a detailed role list
Document each position, its duties and its work environment so higher-risk assignments are not mixed with office-based roles.
Update payroll records
Review payroll and headcount by job classification before requesting a quote to reduce avoidable corrections during underwriting.
Review client contracts
Collect current insurance clauses, limit requests and endorsement requirements so the quote reflects your actual obligations.
Document safety practices
Write down your screening, training, incident reporting and worksite review procedures so your risk controls are clear.
FAQ
Common questions
What business insurance should a staffing company consider?
The right coverage depends on the employees you place, your client contracts and how your business operates. Common considerations include general liability insurance, workers' compensation and professional liability insurance, with each addressing a different type of risk.
Does general liability insurance cover injuries to temporary employees?
General liability insurance generally focuses on third-party bodily injury and property damage claims, not employee work injuries. Workers' compensation may address covered employee injuries, subject to the policy and applicable requirements.
Why might a staffing company need professional liability insurance?
Professional liability insurance may help when a client alleges that a placement, screening decision or professional service caused a financial loss. Coverage depends on the policy terms, exclusions and the facts of the claim.
What information is needed to quote staffing business insurance?
Be prepared to provide payroll, headcount, job duties, work locations, revenue, claims history and requested coverage details. Client contracts and a breakdown of assignments can also help clarify the business's exposures.
Are staffing insurance requirements the same nationwide?
No, rates and requirements vary by state and by carrier. Client contracts can also impose their own coverage, limit and endorsement requirements.