Temporary Staffing Program

This program fits temporary staffing agencies and PEOs that place employees across a variety of moderate-risk industries: clerical, light industrial, healthcare support, skilled trades, and similar classes. Accounts with documented risk management controls, formal hiring and screening practices, and a clean or limited claims history are preferred.

Example accounts that work well:

• A staffing agency placing administrative and clerical workers in corporate offices
• A PEO managing light industrial labor for warehousing and logistics clients

High-hazard staffing classes (heavy manufacturing, oil & gas, certain construction trades, etc.) may be subject to additional underwriting scrutiny or may fall outside the program’s appetite.

Agents can access a broad set of coverages tailored to staffing and PEO exposures. Key coverages include:

• Commercial Property
• General Liability
• Errors & Omissions (E&O)
• Third-Party Employee Dishonesty Bonds
• Blanket Contractual Liability
• Personal and Advertising Injury
• Employee Benefits Liability
• Hired and Non-Owned Auto Coverage
• Umbrella Coverage (in-house limits up to $5,000,000; higher limits available)

Notable program features: the dishonesty bond can be written with separate client bond rider limits (up to $2,000,000), and E&O can be offered within the umbrella as an optional enhancement — simplifying placement and broadening protection in a single package.

All submissions are reviewed by underwriting with emphasis on staffing class, loss history, employee screening and supervision, and operational controls. The program is competitively positioned for new ventures as well as established firms. CIC works with agents to tailor limits and endorsements to match each insured’s business model and risk profile.

This program is available in all 50 states and Washington, DC. CIC can assist with single-state and multi-state placements and has access to both admitted and non-admitted markets to help you place accounts compliantly across jurisdictions.

CIC brings nearly five decades of staffing and PEO insurance experience. Their in-house underwriting authority, long-standing carrier relationships — including Praetorian Insurance Company — and specialized focus make them a practical partner for agents placing staffing risks. CIC offers responsive service, flexible program structure, and placement options across admitted and non-admitted markets.

You might have a client who needs a single-package solution for general liability, E&O, and employee dishonesty bond coverage — CIC’s program is designed to handle that type of placement efficiently while offering higher umbrella limits and client-specific bond riders when needed.