Overview — Work First Temporary Staffing Workers’ Compensation Insurance
Work First Casualty Company offers a specialized workers’ compensation program built for temporary staffing firms. Because the company’s leadership has decades of staffing industry experience, this program pairs underwriting and claims practices tailored to how staffing companies price business and manage client accounts. Agents can place temporary staffing risks where the carrier’s industry-focused tools and service model create measurable value: improved loss control, clearer client-level loss reporting, and competitive pricing that helps staffing clients win and retain accounts.
What makes this program different
Work First combines staffing industry expertise with a proprietary RMIS (Intersect®) that delivers loss detail by customer, plus focused claims oversight and fraud detection. The result: faster claim closure, clearer customer profitability insight for your insureds, and operational recommendations that help reduce future losses even when the staffing firm doesn’t control the worksite.
Ideal accounts and appetite
- Temporary staffing companies with at least 3 years in business.
- Mixed client bases where you need loss reporting by customer so the insured can price contracts profitably.
- Accounts where active claims management and return-to-work programs will materially improve loss experience.
Primary restrictions and classes generally not eligible: PEO arrangements, employee leasing exposures, USL&H exposures, healthcare facilities, construction, recycling, and day labor. Clerical-only risks may qualify at a lower minimum premium.
Underwriting notes & minimum premium
Work First focuses on larger staffing accounts—minimum premium is $100,000. Clerical-only risks may qualify with a $75,000 minimum. The program favors accounts that have documented safety practices, an active return-to-work plan (or willingness to implement improvements), and transparent payroll reporting so Intersect® can deliver actionable loss analytics.
Territories and filing status
This program is offered in the states listed below. Single- and multi-state policies are available where the program is admitted. Available states include: AL, AK, AZ, AR, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, MD, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NY, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, DC, WV, WI.
Note: the program does not offer coverage for California, Colorado, North Carolina, Vermont, New Hampshire, Maine, or Massachusetts under this offering.
Provider: Work First Casualty Company — a Delaware-domiciled carrier with deep staffing experience.
Minimum premium: $100,000 (clerical-only risks may qualify at $75,000).
Type: Carrier / specialty temporary staffing workers’ compensation program.
Quick note for agents: Prepare three years of loss runs, payroll detail by class code, and a summary of the insured’s return-to-work or safety efforts to speed the submission and underwriting review.
What types of staffing accounts are a good fit for this program?
Middle to large temporary staffing firms with at least three years in business, clear payroll reporting, and clients in light industrial, clerical, manufacturing or general light labor are good fits. The program is especially helpful when the insured needs customer-level loss detail to price accounts profitably.
What information should I include with a submission?
Provide three years of loss runs, payroll by class code and client (if available), a description of the insured’s return-to-work and safety practices, and details on any high-severity losses or ongoing litigated claims.
Are single-state and multi-state policies available?
Yes. Work First can issue single- and multi-state policies where the program is offered. Confirm state availability before submitting; the program is not offered in CA, CO, NC, VT, NH, ME or MA under this offering.
How does the Intersect® RMIS help my insured?
Intersect® delivers losses by customer so staffing firms can see which clients drive claims and which are profitable. That visibility helps clients price services accurately, target safety interventions, and manage experience modification more effectively.