Navigating Staffing Agencies and Workers’ Comp Policies


As a temp agency owner, insuring your business properly is crucial to mitigating the various exposures you face. One aspect that is often overlooked is workers’ compensation insurance, which is often required by state law.

When a temp agency assigns a worker, that worker must be covered by the staffing agency’s workers’ comp plan, but how does that work?

Carrying Workers’ Compensation Insurance

It is important to carry workers’ compensation insurance to protect both your business and your employees. A workers’ comp insurance policy provides the following benefits:

  • Medical expenses for injured workers
  • Lost wages for injured employees
  • Rehabilitation expenses
  • Death benefits for families of workers who pass away on the job

To minimize delays, any losses must be reported immediately and the carrier will have their specific procedure and investigation process for the employee to receive the full benefits to which they are entitled.

Why Work with an Insurance Agency that Offers Workers’ Comp Support

Liberty offers the best workers’ comp policies from the top carriers in the industry, as well as claims management services. Our insurance agents track and monitor workers’ comp claims to help our clients save money. With this level of client care, you can do more than just buy and use workers’ comp plans. You can keep costs down, protect your team, and help them live healthier lives.

Additionally, the Liberty Company offers:

  • Safety trainings
  • Educational services
  • Assistance for business owners who wish to create better policies and procedures for their staff
  • Business support services (HR, payroll, etc.)

Even though your temp employees are not in the office, you can do quite a lot to protect them. If your state requires your clients to carry workers’ comp for your staff, make certain that their insurance is current. If not, you may need to carry coverage for your team or require that clients purchase worker’s comp before signing a contract.

If you’re not sure what to do, ask one of our agents to assess the situation.

Contact Liberty for Help With Workers’ Comp Coverage

If you have questions about workers’ comp insurance or need help insuring your temp agency or staffing business, contact Liberty. Our agents will answer your questions, help you save money, and explain how you can avail yourself of the business support services offered by The Liberty Company Insurance Brokers.

Looking for insurance for your staffing agency?

See how Liberty can provide your business with great coverage and great rates.

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