Staffing Insurance

Ideal Accounts and Appetite

The StaffPak program is designed for a wide range of staffing-related operations, including:

• Professional Employer Organizations (PEOs) — package or stand-alone Workers’ Compensation
• Temporary and contingent staffing firms
• Vendor Management Services (VMS)
• Contract placement agencies

StaffPak is especially useful when a client places employees across multiple industries or states and needs flexible, coordinated solutions for liability, employment practices, and professional exposures. Preferred accounts typically have clear placement controls, documented risk management procedures, and reasonable loss histories. The program will consider small-to-mid-sized operations as well as larger staffing firms that require customized terms.

Coverage Highlights and Advantages

StaffPak offers a broad set of coverages to address the layered exposures staffing firms face:

• Workers’ Compensation
• Employment Practices Liability Insurance (EPLI)
• General Liability
• Directors & Officers (D&O)
• Excess Liability
• Staffing Services Errors & Omissions (E&O)
• Medical E&O
• Crime
• Property
• Auto Liability
• Fiduciary Liability

You can package key lines to create a coordinated program that reduces coverage gaps for clients that operate in multiple states or place workers in varied exposures such as healthcare, light industrial, professional services, and clerical roles.

Underwriting Notes and Minimum Premiums

Most markets used in StaffPak are non-admitted, which gives U.S. Risk flexibility to tailor terms and broaden capacity for harder-to-place risks. Minimum premiums and specific guidelines vary by carrier and coverage line. To expedite review, include a completed application, recent loss runs, payroll/placement details, and a summary of any formal risk management practices when you submit.

Typical appetite notes:

• Prefer accounts with documented screening, placement controls, and return-to-work programs.
• Will consider multistate risks and clients with mixed industry placements.
• Limited capacity for accounts with significant unresolved loss activity or minimal controls.

Example scenarios that fit StaffPak:

• A regional PEO that co-employs clients’ staff across several states and needs a combined WC/EPLI/D&O program.
• A temporary staffing firm that places healthcare and light-industrial workers and requires staffing E&O plus medical E&O and excess limits.

Territories and Availability

StaffPak is available in most U.S. states. U.S. Risk writes in all states except those with significant regulatory hurdles and will consider risks in the following jurisdictions: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY.

Why Work With U.S. Risk on Staffing Insurance

As an experienced excess & surplus lines broker, U.S. Risk places StaffPak business with specialty carriers including Certain Underwriters at Lloyd’s, Arch, and Chartis. The StaffPak underwriting team brings nearly 20 years of focused experience in the staffing sector, providing agents with market access, targeted coverage language, and practical placement solutions that generalist programs may not offer.

Whether you’re submitting a start-up temp agency, a multi-state PEO, or a specialized contract placement firm, U.S. Risk’s StaffPak program offers the markets and underwriting expertise to help you build a competitive, well-coordinated insurance package for your client.

Need help placing an account? Connect with a market specialist.