# Insurance for Staffing & PEO Firms Insurance for staffing firms and PEOs: workers' comp, professional liability, and EPL built for employer-of-record and dual-employer exposure. ## Insurance for staffing and PEO firms Staffing firms and PEOs sit between the worker and the worksite, which doubles their exposure: they answer for the placements they make and for the employees they put on someone else's floor. Programs blend workers' compensation, professional liability, and employment practices to match that structure. ## The coverage stack we build The lines we most often assemble for staffing firms and PEOs. Each is placed only where your structure requires it. ## Common claim scenarios Representative situations these lines respond to. Illustrative, not a guarantee of coverage. ## How it works 1. **Tell us about your operation**, Share what your business does, your revenue band, and the contracts or clients driving the need. This sets the exposures an underwriter will price. 2. **We market your risk to carriers**, Our agents take your profile to the carrier panel that writes this line, then compare terms, limits, and exclusions side by side. 3. **Review quotes and choose limits**, You see the options in plain language: what each policy covers, where the gaps are, and how the limit and deductible change the premium. 4. **Bind coverage and get your documents**, Once you pick a quote, we bind the policy and send your certificate and policy documents, usually within one business day. 5. **Manage renewals and changes**, As your business changes, we adjust limits, add endorsements, and handle the renewal so coverage keeps pace with your exposure. ## Frequently asked questions ### Why is workers' comp so central for staffing firms? Because the staffing firm is usually the employer of record, it owns the comp exposure for workers spread across many client sites and job classes. ### What is dual-employer exposure? Both the staffing firm and the client can be treated as employers of the same worker, pulling both into a claim. EPL and professional liability tuned for staffing address that overlap. ### How quickly can you get me a quote? Most quotes come back within 2 to 5 business days once we have the basics: business name, state, headcount, revenue, the lines you think you need, and any prior claims. Specialty placements can take longer; we will flag that up front. ### Do you place coverage in every state? Yes for the major P&C lines. Some specialty lines have state restrictions and we will flag them at quote time.