Workers Compensation 

• Single and multi state policies available
• Employers Liability
• 50 K minimum premium (exceptions can be made -call for details)
• 2-years in business
• Access to CSR-24 certificate system
• Programs Available in most states – Please call for availability
• Guaranteed Cost, Large Deductible and Monthly Reporting Available
  

Temporary Help Service Errors & Omissions 

• Coverage for wrongful acts of the Insured and their employees while performing services for others
• Ability to provide coverage for bodily injury and/or property damage where applicable (i.e. medical personnel)
• Personal Injury Liability
• Coverage available for job classifications, including professional placements
• Coverage available for Professional Employer Organizations

Fidelity Bond (Third Party Coverage) 

• Insured's Fidelity (Included)Covers loss sustained by the Insured resulting from the dishonest acts committed by an employee
• Clients’ Fidelity (Included)Covers loss sustained by a Client of the Insured, resulting from the dishonest acts committed by the Insured’s employee
• Legal Liability (Included)Covers damages and/or defense costs incurred by the Insured resulting from the dishonest acts committed by an employee
• Trades Secret Fidelity (Included)Covers loss of earnings sustained by the Insured resulting from the theft of the Insured’s customer, applicant or employee lists
• Forgery and Computer Crime also Available

Commercial Umbrella / Excess Liability  

• Provides excess coverage over your underlying liability policies, including Professional Liability when written through our program
• Provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss
• Follow-form coverage
  
  Program Limits available up to $5 million

Employment Related Practices - EPLI 

Coverage designed to protect the staffing firm against claims brought by an applicant or employee for allegations including but not limited to discrimination, sexual harassment and wrongful termination

Hired and Non-Owned Auto 

Staffing service organizations face a unique exposure with regard to liability resulting from auto accidents caused by their employees while on the job. Temporary employees who cause injury or damage with their automobiles or client vehicles present a significant risk to the company’s financial well being.

 

Package Policy 

An A-la-carte approach to the coverage’s necessary and relevant to the staffing industry. The coverage available is listed below

• Property
• Commercial General Liability
• Employee Benefits
• Errors & Omissions
• Fidelity Bond
• Commercial Umbrella
• Hired and Non-Owned Auto
• Personal and Advertising Injury
• Medical Payments
• Additional Insured and Waivers of Subrogation are subject to underwriting review

Property Coverage 

• Building and Business Personal Property coverage for each location. Tenant improvements made are also covered if property is leased. Coverage is written on a blanket basis
• Coverage for leased/borrowed computers, copiers, office equipment, etc
• Coverage for computer equipment owned, leased or rented from others
• Coverage for cost to reproduce data or programs that is lost or accidentally erased
• Coverage for income lost when your business is temporarily closed due to a covered loss
• Coverage to operate your business in an alternate location when your primary location closes temporarily due to a covered loss
• Coverage for research costs necessary to restore lost, damaged or destroyed records
• Coverage for expenses incurred to re-establish receivable records or amounts uncollectible from clients due to the destruction of those records up to the limit
• Coverage for personal items belonging to your firm’s officers, partners or employees at your firm’s premises

 

Refer to policy form for full coverage terms and conditions