Comprehensive Insurance Solutions for Staffing and Recruitment Agencies
Caitlin Morgan Insurance Services offers a staffing-focused insurance program designed specifically for recruitment, employment, and staffing agencies. As a wholesale broker with deep sector expertise, Caitlin Morgan partners with retail agents and brokers to place the unique risks that staffing firms face. The program delivers broad, multi-class protection tailored for agencies that place temporary, contract, or permanent personnel across a wide range of industries.
Ideal Accounts and Target Industries
This program fits staffing firms that place both skilled and unskilled workers. Target sectors include:
- Accounting, banking, and financial services
- Construction, engineering, and technical trades
- IT, telecommunications, and technology
- Medical, nursing, and social work
- Hospitality, retail, and sales
- Education and public sector
- Driving, haulage, and industrial
- Legal, human resources, and marketing
- Oil & gas, and pharmaceutical & scientific
- Executive recruitment and interim management
The program accommodates a wide range of staffing models, including limited company contractors and zero-hour contracts, so you can place accounts from small office support firms to large healthcare or IT staffing agencies.
Coverage Highlights and Program Benefits
The Caitlin Morgan Staffing Agency Insurance Program is structured to address the exposures common to staffing firms. Key features include:
- Comprehensive multi-line policy—employee benefits liability, commercial general liability, professional liability (E&O), cyber & privacy liability, property, and business interruption.
- Vicarious liability protection for negligent acts committed by placed personnel, a critical exposure for staffing firms.
- Clear policy language separating agency staff from placed personnel in definitions and coverage triggers.
- General liability coverage for bodily injury or property damage caused by or to placed workers.
- Worldwide laptop coverage and flexible “first loss” business interruption terms to support mobile and multi-state workforces.
- Coverage for breach of contract, intellectual property exposures, and reimbursement of mitigation costs when appropriate.
- Worldwide jurisdictional coverage as standard.
Underwriting Highlights and Pricing
Limits of liability are available up to $10,000,000 with a range of reinstatement options. Deductibles start as low as $500; premiums can begin at approximately $200 depending on the account profile. The program will consider both standard and non-standard terms of business to fit a variety of client needs.
Territories and Admitted Availability
This program is available in most U.S. states, including CA, TX, FL, NY, and IL. Admitted placement is available in most states, giving you flexibility to write admitted or non-admitted business depending on client and regulatory requirements.
Why Work With Caitlin Morgan Insurance Services
Caitlin Morgan is a wholesale brokerage with focused expertise in the staffing and recruitment market. Their underwriting team understands the operational nuances of staffing firms and offers responsive service, flexible terms, and robust policy forms. Working through Caitlin Morgan gives you access to underwriting tailored to multi-class placements and the guidance to structure appropriate coverage packages for complex staffing arrangements.
Example placements you can consider: a regional agency that staffs IT contractors across several states on short-term assignments, or a healthcare staffing firm supplying traveling nurses to hospitals nationwide. This program is designed to handle those scenarios with clear coverage language and vicarious liability protection.