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AI Risk
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AI Risk
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Professional Employer Organizations

Key Risk Groups:
 
Companies operating in the alternative staffing industry, including Professional Employer Organizations (PEOs), Administrative Services Organizations (ASOs), and temporary staffing firms—provided they operate as a full PEO or ASO—are eligible for this program. AI Risk focuses on established businesses with a strong operational history, but may also consider start-ups if the principals have at least five years of industry experience.

Coverage:

AI Risk offers comprehensive liability coverage specifically designed to address the unique exposures faced by PEOs and similar staffing entities. The program includes:
  • General Liability (occurrence form), which includes:
    • Bodily injury and property damage coverage for incidents occurring on the insured's premises or while employees are working at client locations.
    • Coverage for property damage while in the care, custody, or control of an employee.
    • Protection for acquisitions and business changes.
  • Professional Liability (claims-made form), featuring:
    • Multiple aggregate limit options.
    • Alternative Staffing Errors & Omissions (E&O) coverage.
    • Employee Benefits Fiduciary Liability availability.
Optional Coverage:

Add-on options include Employee Benefits Fiduciary Liability, Modified Bodily Injury and Property Damage, and Defense Expenses outside the limit of liability. Additionally, Miscellaneous E&O coverage is available for broader protection. These enhancements may extend to both the staffing firm and its client company in the event of a claim.
 
Minimum Premium:

$7,500 (combined General and Professional Liability).

Ideal Accounts and Appetite

This program is ideal for agents working with established or experienced PEOs, ASOs, and temp staffing firms that manage complex employment-related risks. Companies providing outsourced HR services, payroll administration, employee benefits, and risk management to client businesses are strong candidates. Start-ups may be eligible, but only if the principals have a minimum of five years’ experience in the PEO industry. Firms must operate as full-service PEOs or ASOs to qualify. You may find this program a great fit for clients such as:
  • A regional PEO with multiple client industries including healthcare, manufacturing, and professional services.
  • An ASO managing payroll and benefits for 100+ small businesses across multiple states.

Territories and Availability

This program is available in all 50 states and the District of Columbia, offering extensive geographical reach. No matter where your client is located, AI Risk can provide a consistent and scalable solution.

Carrier and Program Strength

AI Risk underwrites this program with the backing of AIG, providing financial strength and claims-handling expertise. As both a Managing General Agency and a Carrier partner, AI Risk brings deep industry knowledge and tailored underwriting for alternative staffing risks. Their focused experience allows them to understand the nuances of co-employment, liability sharing, and regulatory obligations faced by PEOs and related entities.

Why Work With AI Risk?

Agents and brokers benefit from AI Risk’s specialized underwriting, responsive service, and comprehensive coverage forms. Their flexible program structure accounts for the evolving risks in the staffing industry and offers meaningful protection for both the staffing firm and its client relationships. Whether you're placing a growing regional PEO or a niche ASO, AI Risk provides a reliable and knowledgeable market.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Established PEOs, ASOs, and temp staffing firms with a proven track record or experienced principals are ideal. The program is designed for full-service operations.

Can start-ups qualify for coverage?

Yes, start-ups may be eligible if the principals have a minimum of five years of experience in the PEO industry.

Is coverage available nationwide?

Yes, the program is offered in all 50 states and the District of Columbia.

What is the minimum premium for this program?

The combined minimum premium for General Liability and Professional Liability is $7,500.

What carrier backs this program?

The program is underwritten with AIG, providing strong financial backing and claims support.

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

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

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