Overview of the Program from Keating
This program provides workers' compensation solutions tailored to medical temporary staffing firms and staffing divisions of healthcare employers. Keating offers access to several admitted carriers that understand the fluctuating payrolls, multi-site exposures, and higher frequency of patient-handling injuries common to temporary healthcare staffing. The program is designed to be placed through agents and brokers who need a market that accepts episodic assignments, per-diem staff, and mixed classifications on one policy.
Ideal Accounts and Appetite
- Nursing homes and skilled nursing staffing firms supplying LPNs, RNs, CNAs.
- Home health and hospice agencies using temporary or per-diem nurses and aides.
- Assisted living staffing providers and programs that fill short-term or recurring shifts.
- Visiting nurse and community health staffing operations with employees who travel between client sites.
Accounts that typically fit: small-to-mid size staffing firms up to multi-state programs with predictable payroll reporting. Less suitable: employers with extensive specialty services (e.g., in-home IV infusion by unlicensed staff), employers with uncontrolled subcontracting, or accounts with serious, unresolved loss-runs or regulatory actions—these may require special handling or decline.
Coverage Highlights and Advantages
- Workers' compensation coverage tailored for medical temporary staffing exposures, including employee travel between client locations and client-premises work.
- Admitted paper available through multiple carriers that understand healthcare claim patterns.
- Underwriting flexibility for multi-class payrolls typical to staffing (nurses, aides, therapists).
- Claims handling and loss control resources appropriate for patient-handling risks and musculoskeletal injury prevention.
Underwriting Notes and Minimum Premiums
Keating evaluates accounts with attention to client mix, staff training programs (lifting and infection control), payroll reporting procedures, and historical loss experience. The program generally requires a minimum premium of $7,500. Premiums, class codes, and other terms will vary by carrier, payroll, and loss history. Because the program works with several admitted carriers, terms can be competitive for well-documented accounts.
Territories and Availability
This program is available in the following jurisdictions: AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, DC. Keating places business with admitted carriers in these states and can advise on state-specific filing or rating nuances as part of the binding process.
Why Work with Keating on Medical Temporary Staffing WC
- Specialized focus: Keating concentrates on staffing exposures, so underwriting questions and placement timelines are efficient and relevant.
- Multiple carrier access: You can submit a single, well-organized submission and receive competitive terms from several admitted insurers.
- Practical underwriting guidance: Keating understands the documentation agents need to move an account quickly—training logs, client contracts, payroll histories, and loss runs.
Example Scenarios
- You have a regional nursing staffing agency with mixed RN/LPN/CNA payrolls and steady monthly payroll reporting. Keating’s program can compete for admitted terms and provide loss-control recommendations focused on lifting and safe patient handling.
- A home health staffing firm that rotates caregivers across households and assisted living facilities. The program accounts for travel exposures and offers carriers familiar with home-care claim patterns.
Contact Keating for more information on placing medical temporary staffing workers' compensation insurance and to confirm carrier appetite for a specific account.
Frequently Asked Questions
What types of staffing accounts are a good fit for this program?
Keating’s program is best for nursing homes, assisted living staffing, home health agencies, and visiting nurse services that use temporary or per-diem clinical staff such as RNs, LPNs, CNAs, and aides.
Is the program available in my state?
The program is available in AK, AL, AR, AZ, CA, CO, CT, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MN, MO, MS, MT, NC, ND, NE, NH, NJ, NM, NV, NY, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT, WA, WI, WV, WY, and DC. Keating places business with admitted carriers in these jurisdictions.
What submission information speeds underwriting?
Provide 3–5 years of loss runs, current payroll by class code, sample staffing contracts or client agreements, documentation of training programs (patient handling, infection control), and details on payroll reporting frequency. These items help underwriters produce competitive terms faster.
Need help placing an account? Connect with a market specialist.