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Staffing Workers' Comp Specialists

The Workers' Comp Broker for Staffing Agencies

Staffing is our specialty, and it is 90% of all we place. So we know which markets are still writing it and what they want to see to say yes. Have you been declined elsewhere, or have a high mod, open claims, or need coverage in multiple states? You have found the right place.

What is the other 10%? The other industries where carriers regularly say no. If you are a roofer, landscaper, general contractor or electrician — it's the same hard-to-place problem, and we have the answer.

Prefer to talk it through? Call (561) 990-3022

Get a Quote Today

    Or call (561) 990-3022

    Nationwide Coverage

    46 states plus DC — the full private market

    Staffing Specialists

    Nearly nine of every ten businesses we place are staffing companies

    24–48 Hour Quotes

    Most submissions receive a quote in one to two days, because you do not have time to waste

    Hard-to-Place Risks

    High mods, open claims, non-renewed or cancelled coverage

    Ohio, Washington, Wyoming, and North Dakota run monopolistic state funds — workers' comp there is bought directly from the state, not through any broker. We will walk you through it if you have employees in those states.

    Industries We Serve

    Workers' Comp for Staffing — and the Hard Classes Carriers Won't Touch

    Nine out of ten clients we place are staffing companies, across every staffing vertical, like healthcare, manufacturing and warehousing. The tenth client is in a class the standard market has largely abandoned. Both clients need us to do the same thing: get them coverage.

    Staffing & Temp Agencies

    Healthcare & Care Services

    Light Industrial & Warehouse

    Skilled Trades & Field

    Office, Professional & Service

    Beyond Staffing: The Industries Considered High Risk

    View All Industries →

    We Make It Easy!

    Only 15 Minutes of Your Time

    Our expedited process begins with a conversation about your operation and objectives. From there we send a few short forms, 15 minutes at most, then construct your application and get it in front of the carriers that want your business. Your part is small on purpose. You've got clients to place and payroll to run.

    Pay-As-You-Go

    No deposit to start coverage. Premium is calculated from the payroll you actually run — not a year-old estimate — so there's no surprise bill waiting at the end of the year.

    How Pay-As-You-Go Works

    Hard-to-Place Risks

    A decline, a non-renewal, prior claims, lapsed coverage, or a high experience mod. This is the work we do every day, with carriers that want the risk.

    How We Place Hard Accounts

    Multi-State Coverage

    One nationwide program. When you need to add work in a new state, it can be added to your existing policy. No need for multiple policies.

    Explore Multi-State Coverage

    Nationwide Coverage

    As workers' compensation is state specific, requirements and rates change at every border. Wherever you place workers, we can help you navigate coverage nationwide.

    We place coverage in 46 states plus DC — the full private market. Click below to find out how your state works.

    Alabama Arkansas Arizona California Colorado Connecticut Washington, DC Delaware Florida Georgia Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota — state-fund coverage only Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio — state-fund coverage only Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington — state-fund coverage only Wisconsin West Virginia Wyoming — state-fund coverage only

    Monopolistic states: North Dakota, Ohio, Washington, and Wyoming don't allow private workers' comp. Coverage there is bought directly from the state fund, and we'll show you how it fits alongside your program. View guidance →

    View All States →

    Is Your Experience Mod Creating Havoc?

    Your mod is calculated from your last three to five years of claims. Your prior claims are then compared to the expected loss history for your class codes. If your mod is a 1.0, your claims are running about where carriers expect for the work you do. Below 1.0 you're better than average; above a 1.0, you are surcharged.

    The mod rate is very unforgiving in staffing. Due to the nature of the business, there are usually more claims than in other industries, so a few bad claims on a growing payroll can push a mod past 2.0. At 2.0 or higher, most standard carriers stop quoting entirely, leaving you out in the cold.

    We work with businesses at every mod level. If your mod is pricing you out of the market, call us. It is a problem with a solution.

    How we place high-mod accounts

    The NPN Difference

    Most brokers quote some workers' comp, amongst many other lines of insurance. At NPN, workers' compensation insurance is all we do.

    When most brokers get a couple of denials, they give up. NPN places clients, year in and year out, when other brokers can't.

    Most Brokers

    • Generalists — workers' comp is one line among many
    • One quote attempt, then "we can't help"
    • High mods and prior claims kill their chances to find coverage
    • A handful of standard carrier relationships
    • A checklist of documents and weeks of back-and-forth
    • Coverage gets complicated at every state line

    NPN Brokers

    • Workers' comp is the entire practice and our specialty is staffing and high risk
    • We never give up trying to secure coverage
    • High mods and prior claims are where we start
    • Many specialty markets that want staffing risk
    • 15 minutes of your time, then we build the application and get quotes quickly
    • One program that can cover every state you operate in
    Get a Quote

    or call (561) 990-3022

    Common Questions

    Answers to a few of the questions we hear most from staffing companies looking for workers' comp coverage.

    Have another question? Contact us →

    Are Staffing Agencies Required to Have Workers' Comp Insurance?

    Yes — in many states, temp and staffing workers are the staffing agency's employees for workers' comp purposes. The moment you have a certain number of W-2 workers, you are required to carry workers' comp. Employee-count thresholds and officer rules vary by state — see your state's page for specifics.

    So If My State Does Not Require It, I Do Not Need It, Right?

    In practice, NO — even when your state does not mandate coverage, in staffing your clients will force you to have it. They are not going to let an uninsured staffer work on their site.

    Workers' compensation gives your client protection from injuries that occur in the course and scope of their employment. Without it, such a claim can reach your client, and the client has absorbed your exposure for the privilege of using your workers. That is why your client will require a certificate of insurance in hand before the first shift, often with a waiver of subrogation and their name as alternate employer on the certificate of insurance.

    Those terms keep the claim on your policy and off theirs. So while your state might not require you to carry workers' compensation insurance, the coverage, in staffing, is what makes you placeable at all.

    We Were Declined or Non-Renewed. Can You Still Place Us?

    Yes — that's our forte. We handle declines, non-renewals, prior claims, lapsed coverage, and high experience mods every single day — so you don't have to worry. We place with carriers that specifically write hard-to-place risk, and we will tell you plainly what is placeable and at what trade-offs before you commit to anything.

    How Much Time Does the Application Process Take?

    About 15 minutes for the application. We start with a short call to understand your operation and goals, then send over a few forms that you can usually complete in 10 minutes. From there, building the application and getting it approved is our job. You give us 15 minutes; we do the rest.

    How Fast Can We Get A Quote?

    Quotes within 24–48 hours from specialist carriers. If you're up against a client start date or a cancellation deadline, call (561) 990-3022 and tell us — deadline situations get moved to the front.

    How Does Pay-As-You-Go Workers' Comp Work?

    Instead of paying an expensive estimated premium up front, pay-as-you-go calculates premium each payroll run based on the wages you really paid — a fit for staffing firms and any business whose headcount swings and needs significant cash flow. That means no deposit, premiums that track real payroll, and far smaller year-end audit adjustments. Full details on our Pay-As-You-Go page.

    We Operate in Multiple States. Can One Policy Cover All of Them?

    In most cases, we can structure a program covering every state you work in — NPN places coverage in 46 states plus DC, which is the entire private market. The four monopolistic states (ND, OH, WA, WY) require buying from that state's fund, and we will show you exactly how that works alongside your program. When you win work in a new state, coverage there can be easily added to your existing policy.

    Workers’ Comp Insurance for Staffing Agencies, Nationwide

    A placement puts your employee inside a building you do not own, running equipment you did not purchase, under supervision where you have little control. Your workers compensation insurance for staffing agencies policy has to follow that worker there anyway, because the client site is where most of the risk actually lives. That gap between who pays the premium and who controls the hazard is why staffing gets underwritten, and priced, differently from almost every other class of business.

    We built this brokerage around the accounts other brokers pass on: 1) staffing, including temporary staffing workers’ compensation insurance; 2) companies in other industries considered high risk or with an elevated experience mod; 3) a recent decline or non-renewal; 4) an out-of-state placement; or 5) a payroll that swings by season.

    Coverage can be in place in as little as 24 hours, with no long-term contracts, no audits, and no deposits, structured pay-as-you-go so premium tracks payroll instead of guessing at it up front. See how we handle pay-as-you-go workers’ comp, high-risk and declined accounts, and coverage across multiple states.

    The staffing agencies we place most often sit in medical and healthcare, home health and home care, light manufacturing, warehouse and logistics, and hospitality placements, and we place across every state that allows a private carrier to write it, including New York, California, Texas, Florida, New Jersey, and North Carolina. If your agency needs staffing agency workers compensation insurance and the last broker you talked to didn’t have an answer, talk to one who does.

    Does NPN Brokers Work With Staffing Agencies Declined Before?

    Yes. A decline from one carrier does not mean your agency is uninsurable, and placing declined and non-renewed staffing agencies is a large part of our business. We work with your loss runs, class codes and the states where you work to find the carriers that want you.

    What Does a Workers Comp Broker for Staffing Agencies Actually Do Differently?

    A generalist broker treats a staffing agency like any other employer; a broker built for staffing understands that you are the employer of record for people working inside someone else’s operation, and prices and structures coverage around that split. That means pay-as-you-go billing for payroll that moves with your placements, multi-state scheduling done correctly, and underwriting submissions built the way staffing-specialist carriers actually want to see them.

    How Fast Can A Staffing Agency or My ‘High Risk’ Company Get Workers Compensation Insurance In Place?

    Coverage can be in force in as little as 24 hours once we have your loss runs, current declarations page, and payroll broken out by state and class code. There are no long-term contracts, no audits, and no deposits required to bind.