What Types of Insurance do you Need to Operate a Staffing Firm?

What Types of Insurance do you Need to Operate a Staffing Firm?

In order to operate safely and responsibly, all businesses need insurance coverage. Since the purpose of a staffing agency is to put people to work, it goes without saying that worker’s comp coverage is an absolute must. However, it takes more than just a single policy to ensure the business is protected. Here’s a quick rundown of both the types of coverage that are necessary, as well as a few supplemental insurances that can better protect both you and your business:

Must Have’s…

General Liability: This coverage offers protection for third-party bodily injury and third-party damage claims.

Hired/Non-Owned Auto Liability: This coverage protects employers when an employee uses their own vehicle for work and causes third-party damages.

Umbrella Liability: A general policy that provides liability protection in excess of standard liability exposures for auto, general, and employer’s liability policies.

But, Just in Case…

Property/Business Personal Property Coverage: This policy covers damage and theft of computer equipment, furniture, and other types of business/personal property belonging to the insured.

Professional Liability: A professional liability policy covers claims based on malpractice, error, or mistake in the rendering of professional duties.

Employment Practices Liability: This coverage offers protection against lawsuits brought by employees (past, present, or prospects) or governmental entities against the insured employer, alleging wrongful discharge, discrimination, or certain types of harassment.

As a potential business owner, it’s easy to understand how the process of selecting and securing adequate insurance coverage can be intimidating. However, AtWork guides franchisees through the entire startup process, ensuring that you choose the right coverage to protect the business from the start. To learn more about the AtWork franchise opportunity click HERE or call 888-553-1745 today!


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