Overview — Workers' Compensation for Temporary Staffing
Amwins Underwriting’s Workers' Compensation - Temporary Staffing program gives agents access to two complementary solutions: a first-dollar, limited-distribution product for specialty staffing risks and a guaranteed-cost option placed with an admitted, AM Best “A” rated carrier and third-party claims administration. Both are designed to address the unique payroll, multi-site, and multi-client exposures of temporary staffing firms.
Ideal Accounts and Appetite
- Light industrial staffing (manufacturing helpers, general labor)
- Medical and allied health staffing (nurses, CNAs, allied clinicians)
- Professional staffing (administrative, clerical, IT contractors)
- Groups with multi-state operations and payrolls large enough to meet the program minimums
Coverage Highlights and Advantages
- Staffing-focused underwriting criteria that recognize high-volume placements and common staffing exposures.
- Access to admitted guaranteed-cost paper via State National (claims handled by CCMSI) when admitted placement is preferred.
- Limited-distribution first-dollar solution for niche staffing segments where specialized underwriting adds value.
- Program-level expertise that can help standardize submissions and reduce time-to-bind for qualified accounts.
Underwriting Notes and Minimum Premiums
The program is geared to accounts with meaningful premium volume. The first-dollar limited-distribution solution and the guaranteed-cost offering typically require a minimum premium of $50,000. Submission packages should include payroll detail by class code, claim history (loss runs), and a description of client controls such as safety programs and training.
Territories and Availability
Available in: 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 Amwins Underwriting on Temporary Staffing WC
Amwins brings staffing-specific underwriting expertise and access to both specialty first-dollar capacity and admitted guaranteed-cost solutions. That combination helps agents place accounts that might be difficult elsewhere—while offering admitted paper when clients require it. Claims are handled by experienced third-party administrators where applicable, and programs are designed to support multi-state operations and complex payroll mixes.
Example Accounts That Fit
- A regional medical staffing firm with nationwide placements and $150,000 annual premium who wants admitted paper and professional claims handling.
- A national light-industrial staffing company with strong safety controls seeking a specialty first-dollar program for its higher-risk client placements.
To learn more about both solutions, click here.
Frequently Asked Questions
What types of staffing accounts are a good fit for this Amwins program?
Accounts in light industrial, medical/allied health, and professional staffing with significant payroll and a focus on multi-state placements. The program favors clients with minimum premium thresholds and documented risk controls.
What is the minimum premium to qualify?
The program generally targets accounts with a minimum premium of $50,000. Some placements may require additional submission detail to underwrite properly.
Is admitted paper available?
Yes. The guaranteed-cost solution is placed with State National (AM Best “A” rated) and includes professional claims handling through CCMSI when that option is selected.
What submission materials improve the chance of a prompt decision?
Provide detailed payroll by class code, current loss runs (ideally five years), an explanation of client controls and safety programs, and any multi-state payroll breakdowns.
How do I start a placement?
Submit the required underwriting package through your usual Amwins channel. Underwriters will review risk profile, payroll volume, and loss history to determine the best fit between the first-dollar and guaranteed-cost solutions.
Need help placing an account? Connect with a market specialist.