Staffing & Temp Agencies · Florida

Staffing Agency & Temp Agency Insurance in Florida

Your temps work under a client's roof but stay on your payroll and policy. Staffing agency insurance answers for their injuries, their mistakes and your contracts. We compare multiple A-rated carriers.

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What insurance does a staffing agency need in Florida?

Staffing agency insurance in Florida starts with workers comp, because the state's workers comp law counts an employment agency that provides its own employees to other businesses as their employer (§ 440.02(19)(a), Florida Statutes). Most agencies add general liability for harm a worker causes at a client's site, professional liability for placement errors, and crime coverage for theft by a placed worker. We compare staffing agency insurance across multiple A-rated carriers.

Insurance for Staffing Companies: Four Core Policies

Your people do their work under someone else's roof, so claims can reach you from three directions at once. These four policies answer most of them.

Workers comp

Pays medical care and part of lost wages when a placed worker gets hurt on assignment. It is usually the largest line a staffing agency buys, and carriers price it by the jobs you fill.

General liability

Answers when one of your workers damages a client's property or injures a visitor while on assignment, and pays for your legal defense.

Professional liability

Covers claims that you placed the wrong person or skipped a check you promised to run. Our professional liability insurance page explains how this policy works.

Third-party crime

Pays a client when a worker you placed steals money or property from it. Offices, homes and warehouses often ask for this proof.

Temp Staffing vs. Employee Leasing in Florida

Florida treats a staffing agency and an employee leasing company as two different businesses. That difference changes how carriers write your policy.

Temp and staffing agencies

You hire your own workers and send them to support a client during absences, busy seasons and special projects. Florida law keeps this temporary help arrangement out of employee leasing (§ 468.520(4)(a), Florida Statutes). Your workers comp covers the people you place.

Employee leasing companies (PEOs)

You take on a client's whole workforce and share direction of it with the client. Leasing companies hold a license of their own and must provide workers comp for the employees they lease (§ 468.529(1), Florida Statutes).

Staffing Agency Insurance Requirements in Florida

Florida's workers comp law decides who answers for an injured temp. These four rules set the base of your policy.

Florida law	What it means for your agency
An employment agency that provides its own employees to other persons is an employer under the workers comp law, and so is an employee leasing company (§ 440.02(19)(a), Florida Statutes)	Your temps are your employees for workers comp, even when a client directs their day.
Workers comp is required in private employment with four or more employees (§ 440.02(20)(b)2., Florida Statutes)	Count everyone on your payroll together: the office team and every worker out on assignment.
In construction, that requirement starts with the first employee (§ 440.02(20)(b)2., Florida Statutes)	Sending even one laborer to a building site brings construction class codes onto your policy.
An employee leasing company must provide workers comp for the employees it leases (§ 468.529(1), Florida Statutes)	Co-employing a client's staff calls for a different policy from a temp agency's.

Read these rules as the legal floor under your coverage, not as legal advice or a quote. Client contracts often ask for more.

Have This Ready for a Staffing Insurance Quote

Your payroll for the last year, split between office staff and workers on assignment.
The jobs you fill, from clerical and hospitality to warehouse and construction work.
Your largest client contracts and the limits each one asks for.
How you screen workers: background checks, drug tests and license checks.
Your claims from the last five years, workers comp included.

Where do Miami staffing firms get workers comp quotes from several carriers?

Many start with an independent agency, and American US Insurance does that work from Kendall for staffing firms in Doral, Hialeah, Medley and Miami Lakes. Your payroll is sorted by job class first, because insurance for staffing agencies is built one class code at a time. Warehouse and construction labor narrows the field, so we show which carriers accept your mix and on what terms. You decide with the class codes and your clients' requirements laid side by side.

Additional Business Insurance Options

Workers Comp Professional Liability General Liability Group Benefits Commercial Umbrella Cleaning & Janitorial

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Common Questions

Staffing Agency Insurance Questions

Do temp agencies pay workers comp for the workers they place?

Yes. In Florida the staffing agency is the employer of the people it places, so its workers comp policy pays when a temp is hurt on assignment (§ 440.02(19)(a), Florida Statutes). Clients usually ask to see your certificate before the first shift. Some contracts also call for an alternate employer endorsement, which extends your coverage to protect the client.

What does staffing agency insurance cover besides workers comp?

General liability answers damage or injuries your workers cause at a client's site. Professional liability covers claims over a bad placement or a missed screening. Crime coverage pays a client for theft by a placed worker, and employment practices liability covers claims of discrimination or harassment brought by your own workers.

Do medical staffing agencies need malpractice insurance?

Usually, yes. Nurses and aides you place give care in hospitals, clinics and homes, and a patient can sue over that care. Most hospitals and health systems ask for medical professional liability before they accept your staff. Carriers write it on its own or packaged with your general liability.

Does a staffing agency need general liability insurance?

Almost always. A temp who drops a box on a client's car or leaves a spill that a visitor slips on can bring a claim against your agency. Clients and landlords ask for proof before work starts. Some policies exclude claims tied to work you do not supervise, so read that part with care.

What insurance do clients require from a staffing agency?

Most client contracts list workers comp, general liability and an alternate employer endorsement. Offices and warehouses often add crime coverage, and hospitals add professional liability. Larger clients ask for higher limits and to be named as additional insured. Send us the contract, and we match each quote to it.

Is temp agency insurance different from employee leasing coverage?

Yes. Florida law keeps a temporary help arrangement out of employee leasing (§ 468.520(4)(a), Florida Statutes). A leasing company shares control of a client's whole workforce and must provide workers comp for it under its own license rules. Carriers underwrite the two businesses differently, so tell us which one you run.

Which carriers will you compare for my staffing agency insurance?

The list is built from the jobs you fill, since each carrier decides which placements it accepts for employment agency insurance in Florida. Clerical and light industrial placements open more doors than roofing or demolition crews do. We tell you which carriers turn down your mix and why. Then we walk through what each offer covers before you sign.

Will you insure a staffing firm that sends crews to job sites?

Yes. American US Insurance works with staffing firms that place laborers on construction and warehouse sites, where Florida's workers comp rule starts at the first employee in construction. We sort those crews into the right class codes before quoting. That keeps your year-end audit close to what you paid at the start.

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