Your workers, on someone else's floor.
Coverage for temporary, temp-to-hire and permanent placement agencies across light industrial, clerical, healthcare and professional staffing.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Workers' comp is the core
When your temporary workers are placed with clients, your agency usually carries their workers' comp. Pricing follows the work they actually do at each client, so class codes and job descriptions matter, and carriers look closely at the client mix.
Clients also ask for general liability, professional liability, employment practices and crime coverage for your workers on their premises. I place staffing coverage through specialty staffing programs.
- Workers' compTemporary and internal staff, priced by the work performed.
- General liabilityClaims arising from your workers at client sites.
- Employment practicesClaims from candidates, employees and third parties.
- Crime and professionalClient property and placement errors.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Operations: types of staffing and industries served.
- Payroll: temporary payroll by job type, and internal staff.
- Clients: largest clients and what workers do there.
- Controls: safety programs and site visits.
- Contracts: client insurance requirements.
- History: current policies, experience mod and claims.
Staffing agency insurance, answered
Who covers workers' comp for temporary workers?
Usually the staffing agency, as the employer of record. Client contracts spell out who carries what.
Why do class codes matter so much?
Workers' comp is priced by the work performed. Placing workers in warehouses costs more than clerical work, so accurate job descriptions keep pricing right.
Do we need employment practices coverage?
Staffing firms face claims from candidates and placed workers, so EPLI is common, and clients often require it.
What do underwriters rate on?
Job types, payroll, client industries, safety controls and claims history.
Do you offer staffing agency insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your agency. I'll shop it.
Your payroll by job type and client mix are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.