Smith Bell & Thompson, Inc. offers a specialized Workers' Compensation program built for temporary staffing service firms. This is a guaranteed-cost solution underwritten by AIG and delivered on a non-admitted basis. The program is designed for clients that have established safety programs and formal loss-control practices.
Target accounts include staffing firms that place professional, clerical, and light industrial workers in both temporary and permanent roles. Note: Professional Employer Organizations (PEOs) are not eligible for this program.
Underwriting criteria (typical):
- Minimum annual premium of $100,000
- Account must fall within eligible class codes
- Loss control standards must meet requirements set by our vendor partner, RCS
- Business must have been in operation for at least five years
- Current Workers' Compensation coverage must be maintained
This program is available across a broad group of states. Availability includes: AL, AK, AZ, AR, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NM, NY, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VT, VA, WA, DC, WV, WI, WY. If you have a multi-state staffing client, we can often place broader accounts with confidence.
Smith Bell & Thompson brings decades of experience in niche Workers' Compensation markets and provides responsive underwriting support to help agents place complex staffing accounts. Access to AIG capacity combined with a safety-first underwriting focus makes this program a strong option when your client has mature loss-control practices and a track record of stable results.
Example of a good fit: You might have a light industrial staffing agency operating in multiple states with a demonstrated safety program and expected annual premium over $100,000 — this program is designed for that profile.
Frequently Asked Questions
What types of accounts are a good fit for this program?
Staffing firms that place professional, clerical, and light industrial workers — temporary or permanent — are a strong fit. Accounts should have established safety programs and meet the underwriting criteria listed above.
Are PEOs eligible for this Workers' Compensation program?
No. PEOs and employee leasing organizations are not eligible. This product is specifically designed for temporary staffing firms.
What is the minimum premium required for this program?
The program requires a minimum annual premium of $100,000 to qualify.
What underwriting criteria must be met to qualify?
Accounts must be in business at least five years, maintain current Workers' Compensation coverage, fall within eligible class codes, and satisfy loss control standards set by RCS.
In which states is this program available?
The program is available in a broad set of states, including those listed above, and is commonly used for multi-state staffing operations. Contact your market specialist for state-specific submission guidance.
Need help placing an account? Connect with a market specialist.