Staffing Insurance — Program Overview
Capitol Special Risks offers a specialized Staffing Insurance program written for temporary and permanent placement firms. As a wholesale broker focused on professional liability and niche commercial markets, we place staffing risks with multiple strong carriers and tailor coverage to close common gaps. The program addresses exposures that staffing agencies face — negligent placement, breach of contract, personal injury, and employment practices claims — even when the worker is supervised by the client.
Ideal Accounts and Appetite
This program is designed for agents placing:
- Temporary staffing firms across numerous industries
- Permanent placement and executive search firms
- Healthcare staffing providers and nurse registries
- IT and professional staffing services
- Administrative, clerical, and light industrial staffing operations
Typical fits include accounts that need both professional liability protection for placement decisions and employment practices liability for workplace claims. Accounts with clear hiring practices, documented screening procedures, and moderate payroll volumes tend to place most easily. Large national payrolling programs, high-hazard industrial placements without strong risk controls, or accounts with frequent prior EPL claims may require more underwriting detail or alternative markets.
Coverage Highlights
Key features commonly available through Capitol Special Risks’ Staffing Insurance program:
- Occurrence form available (claims-made options also offered)
- Professional liability for negligent placement and breach of staffing contract
- Employment Practices Liability (EPL): discrimination, harassment, wrongful termination
- Personal injury coverage and medical payments
- Broad definition of insured that can include temporary workers and volunteers
- Coverage for joint ventures and contractual relationships
- Hired and non-owned auto liability when needed
- Products and completed operations and fire damage legal liability
These features reduce common coverage gaps that can leave staffing firms exposed when a client supervises staff or when placement decisions lead to financial or reputational loss.
Underwriting Notes and Premiums
Underwriting focuses on the staffing firm’s placement controls, client contract terms, screening and supervision practices, and prior claims history. Minimum premium and pricing vary by account size, class, and claims profile. Capitol Special Risks emphasizes fast turnaround for quoting and placement, and does not charge broker fees—helping your insureds keep costs competitive.
Territories and Market Placement
The program is available in most states. Admitted markets are available in some jurisdictions; non-admitted options are supported where appropriate. States served include: 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, WV, WI, WY.
Why Work With Capitol Special Risks?
As a wholesale broker with deep professional lines expertise, Capitol Special Risks helps agents place complicated staffing risks by:
- Accessing multiple admitted and non-admitted carriers with staffing appetite
- Structuring policies to minimize coverage gaps common to staffing engagements
- Offering fast, pragmatic underwriting and quick quote turnaround
- Providing placement support without broker fees
You might have a client who provides temporary healthcare staff for multiple hospitals and needs both negligent placement coverage and EPL protection — this program can combine occurrence-form professional liability with EPL and hired/non-owned auto limits to match that exposure. Or you could place an executive search firm that needs professional liability for placement decisions plus defense cost protection for employment-related claims.
In CA, Capitol Special Risks, Inc. dba: Capitol Special Risks Insurance Service - CA Fire & Casualty Agency - #0C46094
Frequently Asked Questions
What types of accounts are a good fit for this Staffing Insurance program?
This program is ideal for temporary staffing firms, permanent placement agencies, executive search firms, and niche staffing providers in healthcare, IT, clerical, and similar professional areas.
Does this program cover employment-related claims?
Yes. Employment Practices Liability is available to address allegations of discrimination, harassment, wrongful termination, and other workplace-related claims.
Are both occurrence and claims-made forms available?
Yes. The program offers flexibility with occurrence-form policies and claims-made options, depending on the carrier and the insured’s needs.
Do you offer coverage in all states?
Coverage is offered in most states, with admitted options in some jurisdictions and non-admitted support where appropriate.
Is there a broker fee for placing business through this program?
No. Capitol Special Risks does not charge broker fees for this Staffing Insurance program.
Need help placing an account? Connect with a market specialist.