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AI Risk
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AI Risk
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Professional Employer Organizations

Key Risk Groups:
 
Companies operating in the alternative staffing sector—including Professional Employer Organizations (PEOs), Administrative Services Organizations (ASOs), and temporary staffing firms that function as full PEOs or ASOs—are eligible for this program. AI Risk focuses on established operations with a demonstrated track record, though start-ups may be considered when principals have at least five years of relevant industry experience.

Coverage:

AI Risk provides a tailored liability program designed to address the co-employment, payroll, benefits, and professional exposure common to PEOs and similar staffing entities. The program includes:
  • General Liability (occurrence form), which offers:
    • Bodily injury and property damage coverage for incidents on the insured’s premises or while employees are working at client locations.
    • Coverage for property damage in the care, custody, or control of an employee.
    • Protection for acquisitions and business changes.
  • Professional Liability (claims-made form), featuring:
    • Multiple aggregate limit options to match the size and risks of the PEO.
    • Alternative Staffing Errors & Omissions (E&O) coverage tailored to HR/payroll/benefits exposures.
    • Employee Benefits Fiduciary Liability available where appropriate.
Optional Coverage:

Enhancements include Employee Benefits Fiduciary Liability, Modified Bodily Injury and Property Damage, Defense Expenses Outside the Limit (DEOL), and Miscellaneous E&O for broader protection. These options can extend protection to both the staffing firm and, in some cases, the client company involved in a claim.
 
Minimum Premium:

$7,500 (combined General and Professional Liability).

Ideal Accounts and Appetite

This program is built for agents placing PEOs, ASOs, and temp staffing firms that deliver full-service outsourced HR, payroll, benefits administration, and risk management to client businesses. AI Risk prefers established companies with strong operational controls; however, start-ups led by principals with five or more years’ PEO experience may qualify. Typical fits include:
  • A regional PEO with diversified clients across healthcare, manufacturing, and professional services.
  • An ASO that administers payroll and benefits for 100+ small businesses operating in multiple states.
Example scenarios you may place through this program:
  • You have a regional PEO expanding into several adjacent states that needs combined GL and E&O limits and fiduciary options.
  • A long-standing ASO wants professional liability and fiduciary coverage after taking on more complex benefit administration services for clients.

Territories and Availability

This program is available in all 50 states and the District of Columbia, providing uniform territorial availability for multi-state clients.

Carrier and Program Strength

AI Risk underwrites this program with the financial and claims-handling strength of AIG. As both a Managing General Agency and a carrier partner, AI Risk combines deep alternative-staffing underwriting expertise with scalable capacity and experienced claims support. That combination helps when evaluating co-employment exposures, contract liability between PEOs and clients, and evolving regulatory obligations.

Why Work With AI Risk?

Agents benefit from AI Risk’s focused underwriting, flexible program structure, and responsive service model. The program is designed to address the unique intersections of professional exposures and traditional liability faced by staffing firms. Whether the account is a growing regional PEO or an ASO specializing in benefits administration, AI Risk offers tailored forms, optional enhancements, and a market capable of handling complex, multi-state placements.

Frequently Asked Questions

What types of accounts are a good fit for this program?

Established PEOs, ASOs, and temporary staffing firms that operate as full-service providers are the primary target. The program suits firms that manage payroll, HR, benefits, and co-employment responsibilities for client businesses.

Can start-ups qualify for coverage?

Yes. Start-ups are considered when principals have a minimum of five years’ experience in the PEO/ASO industry and the operation demonstrates adequate controls and documentation.

Is coverage available nationwide?

Yes. AI Risk offers the program in all 50 states and the District of Columbia, which simplifies placement for multi-state PEOs and ASOs.

What is the minimum premium for this program?

The combined minimum premium for General Liability and Professional Liability is $7,500.

What carrier backs this program?

The program is underwritten with AIG, bringing strong financial backing and experienced claims handling.

Need help placing an account? Connect with a market specialist.

U.S. States Available

  • U.S. States Available:
  • Provider Type:
    Managing General Agency and Carrier
  • Admitted:
    All Available States
  • Carriers:
  • Carrier Ratings:
    A.M. Best A XI rated
  • Commission:
    Varies
  • Min Premium:
    -

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CONTACT INFORMATION

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APPLICATIONS

  • Contact for Application
    Click here to contact the appropriate AI Risk office for more information and applications.

AGENCY LICENSING

Please call the Middle Market Program Manager in your area.
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