How to Get Workers’ Comp for Manufacturing Staffing Firms

If you run a staffing agency that specializes in placing temporary manufacturing workers, securing workers’ comp insurance can be a complicated process. Many insurance carriers consider both staffing agencies and manufacturing industries high-risk, making coverage harder to obtain and often more expensive.

At NPN Brokers, we specialize in finding workers’ comp insurance for manufacturing staffing agencies, ensuring they get the coverage they need without unnecessary hurdles. We understand the unique challenges staffing firms face and work with insurers who provide flexible, no-contract policies with no deposits and no audits. If you need workers’ comp for temp manufacturing employees, contact us today at (561) 990-3022 for a quick quote.

Manufacturing staffing agencies play a critical role in supplying skilled workers to factories and industrial facilities. However, because these employees often work in hazardous environments with heavy machinery, chemicals, and other risks, many insurance carriers are reluctant to provide coverage. This hesitation can lead to limited insurance options, making it difficult for staffing agencies to comply with workers’ comp regulations and protect their business from liability.

Additionally, the high turnover rate of temporary manufacturing employees adds another layer of complexity. Since temp workers frequently switch job sites and roles, insurers consider them a greater risk than full-time employees in the same industry. As a result, staffing agencies often face higher premiums and stricter underwriting requirements, making it crucial to work with an insurance broker who understands these unique challenges.

Understanding Workers’ Comp for Temp Manufacturing Employees

Manufacturing is an industry with inherent risks, including operating heavy machinery, exposure to hazardous materials, and physically demanding tasks. When you add the complexities of temporary employment into the equation, workers’ comp for staffing agencies with temp manufacturing workers becomes even more challenging.

Most insurance providers assess risk based on claims history, employee turnover, and job roles. Since temporary workers frequently change job sites and assignments, this can make them riskier in the eyes of insurers. However, staffing agencies are still required to provide workers’ comp insurance, regardless of the difficulties in obtaining it.

It is important for staffing firms to understand that workers’ comp insurance is designed to protect both employees and employers. If an employee is injured on the job, workers’ comp covers medical expenses, rehabilitation costs, and lost wages. Without proper coverage, staffing firms could face expensive lawsuits, regulatory fines, and difficulty securing new business contracts. By securing the right policy, staffing agencies can minimize financial risks and maintain a positive relationship with their clients in the manufacturing sector.

Workers’ Comp Requirements for Manufacturing Employees

Each state has its own regulations for workers’ comp coverage, but in general, staffing agencies must ensure that every temporary employee is covered while on assignment. Workers’ comp is legally required in most states for businesses with employees, including staffing firms that supply temp workers to manufacturing companies. If a temporary worker is injured on the job, the staffing agency—not the client company—is responsible for providing workers’ comp coverage.

Another key requirement is correctly classifying workers. Insurance carriers use classification codes to assess the level of risk associated with an employee’s job. Manufacturing roles typically fall into high-risk categories, which means they come with higher premiums. Properly classifying employees ensures that staffing firms are paying the correct premium rates while avoiding potential penalties or coverage gaps.

Additionally, many manufacturing companies require proof of workers’ comp insurance before they will enter into contracts with staffing agencies. Without proper coverage, a staffing firm may lose business opportunities or be forced to pay higher insurance costs later on. Ensuring compliance with workers’ comp requirements helps staffing firms maintain their reputation and keep their business running smoothly.

Challenges in Getting Workers’ Comp for Staffing Agencies with Temp Manufacturing Workers

Many insurance companies hesitate to cover staffing agencies in high-risk industries like manufacturing due to the following factors:

High Injury Risk

Manufacturing jobs come with a higher chance of workplace injuries, including:

• Slips, trips, and falls
• Repetitive motion injuries
• Equipment-related accidents
• Exposure to hazardous chemicals

Due to these risks, insurers often charge higher premiums or may deny coverage altogether for staffing firms that place temp workers in manufacturing roles. Even with strong safety protocols in place, the physical nature of these jobs means that injuries are more likely to occur.

Frequent Employee Turnover

Since temporary workers often change assignments, insurers see them as higher risk. The lack of continuity in work environments can increase the likelihood of accidents. Insurers prefer stability in employment, as long-term employees tend to be more experienced and familiar with safety protocols.

Difficult Claims History

If a staffing agency has had multiple workers’ comp claims in the past, it may struggle to find affordable coverage. A history of claims can make traditional insurance carriers hesitant to provide a policy. Even a single serious claim can drive up costs significantly, making it essential for staffing firms to implement strong workplace safety programs and risk management strategies.

How NPN Brokers Helps Manufacturing Staffing Firms Get Covered

At NPN Brokers, we work directly with staffing agencies to secure workers’ comp insurance for manufacturing staffing agencies, regardless of industry risks or past claims.

We provide a fast and easy quote process, understanding that staffing agencies need coverage quickly to keep operations running. Our team can provide a quote in minutes and secure coverage in as little as 24 hours. Many traditional insurance providers require long-term commitments, deposits, and extensive audits, but we eliminate these obstacles by offering flexible, no-contract policies.

Our pay-as-you-go options ensure that staffing firms only pay for the coverage they need based on their actual payroll. This makes workers’ comp insurance more affordable and helps businesses manage cash flow more effectively. We also specialize in securing coverage for high-risk industries, including manufacturing, so staffing firms can continue placing workers without the fear of losing contracts due to insurance limitations.

Steps to Getting Workers’ Comp for Your Manufacturing Staffing Agency

If you’re struggling to find coverage, follow these steps to secure workers’ comp for temp manufacturing employees through NPN Brokers.

First, gather necessary business information, including estimated payroll, job classifications of workers, locations where employees will be working, and any claims history. This information helps us provide an accurate quote and find the best coverage options.

Next, contact NPN Brokers for a quote by calling (561) 990-3022 or filling out our online quote request form. Our team will assess your agency’s needs and provide a fast and competitive quote tailored to your business.

Once we present your policy options, review them carefully to ensure they meet state regulations and client requirements. We offer flexible solutions that provide comprehensive coverage without unnecessary expenses or restrictions.

Finally, activate your policy and ensure compliance. Once covered, you can provide proof of insurance to your clients and continue placing workers with confidence.

Why Staffing Agencies Need Workers’ Comp to Stay Competitive

• Protects Your Business – Workers’ comp coverage shields staffing firms from costly lawsuits and financial losses due to workplace injuries. Without proper coverage, an injured employee could sue the agency, leading to significant expenses and reputational damage.
• Keeps Employees Safe – When a temporary worker gets injured, workers’ comp ensures they receive the medical treatment and financial support they need. Employees who feel protected are more likely to perform well, reducing turnover and improving workplace morale.
• Meets Client Requirements – Many manufacturing firms require staffing agencies to provide proof of workers’ comp before entering into contracts. Without coverage, your agency could lose valuable business opportunities.
• Improves Business Reputation – Having reliable workers’ comp coverage signals professionalism and responsibility. Clients and employees alike will have greater confidence in your staffing agency.

Get Workers’ Comp Coverage for Your Manufacturing Staffing Agency Today

Call us today at (561) 990-3022 to get a quote or fill out our online form to secure coverage in as little as 24 hours. Let us help you get the workers’ comp insurance you need to grow your staffing agency with confidence.