Who insures it · 6 named markets · read 2026-10-28

Who insures Staffing agencies and PEOs?

Staffing agencies and PEOs is a risk most standard carriers decline on sight. The markets below say in their own published appetite or program pages that they write it; each line links to that page with the date it was read.

6 markets publicly write Staffing agencies and PEOs: World Wide Specialty Programs, Philadelphia Insurance Companies, Amwins, SUNZ Insurance Company, James River Insurance and others. 3 admitted carriers, 1 program administrator, 1 wholesaler, 1 E&S carrier.

By Sam Alishahi, independent insurance broker

The markets

Who says they write it

From each market's own appetite, product or program page (or a trade article quoting it), read on the date shown. Appetites change: the linked page controls. A market listed here isn't necessarily one this agency is appointed with; a licensed broker reaches most of them directly or through a wholesaler.

Market	What they say they write	Where	Paper	Source
World Wide Specialty Programs Program administrator	Staffing-only insurance programs for temporary and permanent staffing firms: professional liability, general liability, workers' compensation, EPL, employee benefits liability, hired/non-owned and owned auto, crime, umbrella; cites expertise in VMS, MSP, ASO and PEO structures. “our sole focus has been dedicated to developing insurance programs for companies that provide temporary and permanent staff.”	not stated	not stated	wwspi.com · read 2026-10-28
Philadelphia Insurance Companies Admitted carrier	Temporary staffing program: commercial package, umbrella, errors & omissions (claims-made or occurrence), EPLI extending to placed employees, and crime; admitted paper and E&S available. “Philadelphia Insurance Companies (PHLY) specializes in the temporary staffing industry.”	not stated	both	phly.com · read 2026-10-28
Amwins Wholesaler	Workers' compensation solutions for almost every type of temporary-staffing company through AM Best A-rated or better carriers (Amwins Specialty Casualty Solutions). “offers multiple workers' compensation insurance solutions for almost every type of temporary-staffing company.”	all states	not stated	amwins.com · read 2026-10-28
SUNZ Insurance Company Admitted carrier	Workers' compensation carrier founded specifically for PEOs, staffing agencies and transportation companies. “Established in 2005, SUNZ Insurance Company was founded specifically for PEOs, staffing agencies,”	not stated	not stated	sunzinsurance.com · read 2026-10-28
James River Insurance E&S carrier	Manufacturers & Contractors product lists temporary staffing agencies (other than professional/medical) among its target classes. “Temporary Staffing Agencies (other than Professional/Medical)”	not stated	not stated	jrvrgroup.com · read 2026-10-28
EMPLOYERS Admitted carrier	Specialty workers' compensation program for temporary and contract medical staffing agencies that place clinical professionals. “Temporary and contract medical staffing agencies place skilled clinical professionals”	not stated	not stated	employers.com · read 2026-10-28

Also seen but not listed (cap of 6): Kinsale General Casualty page lists 'Staffing companies' as a target class; Normandy's WC page offers 'Options for Staffing and PEO risks' via brokerage. Hiscox staffing page returned 403; Carolina Casualty domain is for sale; NSM and Benchmark pages not usable.

How Staffing agencies and PEOs gets placed

Standard markets first where any will look at it; when they won't, the placement goes through surplus lines, where a licensed surplus lines broker places it with an eligible non-admitted insurer and files the state's surplus lines tax and stamping forms. In California, risks on the Department of Insurance export list can go to surplus lines without the usual diligent search of admitted carriers. Surplus lines policies aren't backed by a state guaranty fund, so the insurer's financial rating matters more.

What an underwriter will want before quoting: a full description of the operation, years in business and the owners' experience, revenue or payroll, loss runs (five years where available, currently valued), the contracts or venue requirements that set the limits, and photos or safety plans where the hazard is physical.

I'm licensed in 49 states and Washington, DC and your request stays with my agency, not passed to another agent. In Florida, where my licenses are still being issued, a partner agency in your state helps in the meantime.

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