Ryan Specialty National Programs offers a dedicated Staffing Agency Program built for brokers who place temporary, professional, and administrative staffing accounts. The program combines market stability, experienced underwriting and hands-on service for a full package of liability, property and ancillary coverages — including workers’ compensation options through our carrier relationships.
Overview of the Program
This Staffing Services Package is designed to help agents place staffing firms with a variety of needs: temporary and temp-to-hire operations, direct hire and placement services, ASOs, PEOs, VMS providers, HR consultancies and start-ups. With over 50 years of combined team expertise, Ryan Specialty National Programs can underwrite classes some competitors avoid, secure competitive pricing and flexible billing, and assist with claims, audits and loss control.
Coverage Highlights and Advantages
- Package includes General Liability, Professional Liability, EPLI, Abuse & Molestation Liability, Hired/Non-Owned Auto, Employee Benefits Liability and more
- Umbrella / Excess Liability — limits up to $10,000,000; client-specific higher limits may be available
- Umbrella includes Professional Liability
- Blanket Additional Insured endorsements available, including Blanket Primary & Non-Contributory and Blanket Waiver of Subrogation
- Care, Custody & Control carve-back available
- Policies are not audited (where applicable)
- Worldwide coverage options and HR risk-management hotline included with the policy
Ideal Accounts and Appetite
This program is a fit for a broad range of staffing operations, including:
- Temporary / temp-to-hire staffing firms
- Administrative Services Organizations (ASO)
- Human resources consulting services
- Direct hire and personnel placement services
- Professional Employer Organizations (PEO)
- Vendor Management Services (VMS)
- New ventures — start-ups with under three years of experience will be considered
Typical fits are firms with clean loss histories, clear client contracts, and well-documented hiring and oversight procedures. Accounts with significant payroll or high-severity exposures should be submitted for review — appetite is case-by-case.
Underwriting Notes and Minimum Premiums
Underwriting requirements include supplemental applications, a crime application, completed ACORD forms, five years of currently valued loss runs, and the insured's website address. Minimum premiums vary by risk; please contact Ryan Specialty National Programs for state-specific eligibility and premium quotes. Expect deeper underwriting for higher limits, umbrella attachments, or complex exposures.
Territories and Admitted vs. Non-Admitted
The program writes business across the country: 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 and WY. Placement is through multiple carrier markets and may include non-admitted or surplus line solutions depending on the state and coverages requested; consult us for state-specific placement guidance.
Why Work With Ryan Specialty National Programs
- Specialized staffing team with deep program underwriting experience
- Access to multiple carrier markets and flexible billing options
- Ability to quote hard-to-place classes and assemble broad package solutions
- Hands-on support for claims, audits and loss control
- Value-added services such as HR risk-management hotline included
Example Accounts You Might Place
- A regional temp-to-hire agency placing administrative staff to corporate clients, seeking General Liability, EPLI and an umbrella that includes professional liability.
- A newly formed HR consultancy (under three years) that needs Professional Liability, Employee Benefits Liability and Crime coverage while it builds book of business.
Contact Ryan Specialty National Programs through the program page for submissions and detailed quoting requirements: Staffing Services Package Insurance.
Frequently Asked Questions
What types of staffing accounts are a good fit for this program?
The program targets temporary/temp-to-hire agencies, direct hire and placement firms, ASOs, PEOs, VMS providers and HR consultants. New ventures under three years are considered. Accounts with documented hiring practices and reasonable loss histories are the best fit.
Which coverages are included in the package?
Available coverages include General Liability, Professional Liability, Employment Practices Liability, Abuse & Molestation Liability, Hired & Non-Owned Auto, Employee Benefits Liability, Stop-Gap Liability, Umbrella/Excess (umbrella includes professional liability), Property and Crime.
How do you handle state availability and admitted status?
The program can place business in the states listed on the storefront. Placement may be through admitted or non-admitted markets depending on the state and requested coverages; contact us for state-by-state guidance and compliance notes.
What submissions and documents are required?
Standard submissions include supplemental applications, a crime application, ACORD forms, five years of currently valued loss runs and the insured’s website. Additional information may be requested for complex or high-limit accounts.
Are there minimum premiums or limits?
Minimum premiums vary by risk. Limits are available up to $10,000,000 on the umbrella/excess, with higher limits possible on a case-by-case basis. For specific pricing and minimums, submit the account or contact the program team.
Need help placing an account? Connect with a market specialist.