Policies
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World Wide offers a program customized for the specific needs of the
staffing services industry. Click on the policies listed below to view full descriptions.

Alternative Staffing Liability
Commercial Umbrella / Excess Liability
Direct Hire / Personnel Consultants Error & Omissions
Employment Related Practices
Fidelity Bond (Third Party Coverages)
Hired and Non-Owned Auto
Office Package Policy
Property Coverage
Available on Staffing Services Liability (SSL)
Temporary Help Service Errors & Omissions
Workers Compensation

Alternative Staffing Liability

• General Liability
• Products & Completed Operations
• Property of others in the care custody and control of insured’s employees
• Employee Benefits
• Hired and Non-Owned Auto
• Personal and Advertising Injury
• Medical Payments
• Stop Gap for monopolistic WC states
• Blanket Additional Insured
• Required consent of the Insured to settle
• Defense costs in addition to the limit of liability
  

Policy available to staffing industry members including Temporary Staffing Firms;
Professional Employer Organizations (PEO); Alternative Staffing Organization (ASO)

Program limits available up to $5 million.

Refer to policy form for full coverage terms and conditions.

Policy not available in AK, MA, TX, WA
Stop Gap not available in HI

Submission Requirements:
Alternative Staffing Liability Application
Hired and Non-Owned Auto Supplemental Questionnaire
Printed Promotional Material distributed by applicant
Applicant website address
941’s for prior 4 quarters or W 3
Currently valued – 3 years carrier loss runs

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Commercial Umbrella

• Provides excess coverage over your underlying liability policies, including Professional Liability when written through our program.
• Provides automatic replacement coverage for underlying policies that have been reduced or exhausted by loss.
  
• Follow-form coverage

Program Limits available up to $10 million.

Submission Requirements:
WW Commercial Umbrella Liability Application or ACORD Form
Currently valued 3 years carrier loss runs
DEC page for underlying policies when not written through ww

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Direct Hire/Personnel Consultants Errors & Omissions

• Coverage for wrongful acts of the Insured and in-house staff while performing placement services for others for a fee
• Occurrence Form
• Defense Costs in addition to the limits of liability
• Personal Injury Liability
• Consent of Insured required to settle
  

Available on: (SSL)Staffing Services Liability, Personnel Consultants E&O

Program Limits Available up to $5 Million

Refer to policy form for full terms and conditions

Submission Requirements:
Personnel Consultants Errors & Omissions Application
Printed Promotional Material distributed by applicant
Applicant website address
Currently valued – 3 years carrier loss runs

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Employment Related Practices Liability
Coverage designed to protect the staffing firm against claims brought by an applicant or employee for allegations including but not limited to discrimination, sexual harassment and wrongful termination.

Also a broader stand-alone Employment Related Practices Policy is available.

Please contact us for specifics - 800-245-9653

Available on: Staffing Services Liability (SSL)

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Fidelity Bond

• Insureds’ Fidelity (Included)
  Covers loss sustained by the Insured resulting from the dishonest acts committed by an employee;
  
• Clients’ Fidelity (Included)
  Covers loss sustained by a Client of the Insured, resulting from the dishonest acts committed by the Insured’s employee;
  
  
• Legal Liability (Included)
  Covers damages and/or defense costs incurred by the Insured resulting from the dishonest acts committed by an employee;
  
  
• Trades Secret Fidelity (Included)
  Covers loss of earnings sustained by the Insured resulting from the theft of the Insured’s customer, applicant or employee lists;

OPTIONAL COVERAGES

• Loss inside the Premises
  
• Loss Outside the Premises
  
• Money Orders and Counterfeit Paper Currency
  
• Depositors Forgery Coverage
  
• Credit Card Forgery
  
• Computer Fraud Coverage

Program limits available up to $10 Million

Refer to policy form for full coverage terms and conditions

Submission Requirements:
WW Fidelity Bond Application
Printed Promotional Material distributed by applicant
Applicant website address
Most recent W 3
Currently valued – 3 years carrier loss runs

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Submission Requirements:
Hired and Non-Owned Auto – Supplemental Questionnaire
Complete Staffing Services Liability Application or Alternative Staffing Liability Application

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• Building and Business Personal Property coverage for each location. Coverage is written on a blanket basis. Tenant improvements made are also covered if property is leased.
  
  
• Coverage for leased/borrowed computers, copiers, office equipment, etc.
  
  
• Coverage for computer equipment owned, leased or rented from others.
  
  
• Coverage for cost to reproduce data or programs that are lost or accidentally erased.
  
  
• Coverage for income lost when your business is temporarily closed due to a covered loss.
  
  
• Coverage to operate your business in an alternate location when your primary location closes temporarily due to a covered loss.
  
  
• Coverage for research costs necessary to restore lost, damaged or destroyed records.
  
  
• Coverage for expenses incurred to re-establish receivable records or amounts uncollectible from clients due to the destruction of those records up to the limit.
  
  
• Coverage for personal items belonging to your firm’s officers, partners or employees at your firm’s premises.
  
  
• Coverage for money and securities in the office and away form the premises.
  
  
• Personal property coverage when you’re traveling and/or temporarily working away from your office.

Refer to policy form for full coverage terms and conditions

Submission Requirements:
WW Application or ACORD Application
Promotional material distributed to clients
Applicant website address
Currently valued – 3 years carrier loss runs

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• Building and Business Personal Property coverage for each location. Tenant improvements made are also covered if property is leased. Coverage is written on a blanket basis.
  
  
• Coverage for leased/borrowed computers, copiers, office equipment, etc.
  
  
• Coverage for computer equipment owned, leased or rented from others.
  
  
• Coverage for cost to reproduce data or programs that are lost or accidentally erased.
  
  
• Coverage for income lost when your business is temporarily closed due to a covered loss.
  
  
• Coverage to operate your business in an alternate location when your primary location closes temporarily due to a covered loss.
  
  
• Coverage for research costs necessary to restore lost, damaged or destroyed records.
  
  
• Coverage for expenses incurred to re-establish receivable records or amounts uncollectible from clients due to the destruction of those records up to the limit.
  
  
• Coverage for personal items belonging to your firm’s officers, partners or employees at your firm’s premises.
  
  
• Coverage for money and securities in the office and away form the premises.
  
  
• Personal property coverage when you’re traveling and/or temporarily working away from your office.

Refer to policy form for full coverage terms and conditions

Submission Requirements:
WW Property Application or ACORD Application
Currently valued – 3 years carrier loss runs
Only written in conjunction with liability coverage through ww
Need Construction type and Protection class for each location

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Available on Staffing Services Liability (SSL)

• Professional Liability (Errors & Omissions) OCCURRENCE
  
  
• General Liability
  
  
• Products & Completed Operations
  
  
• Property of others in the care custody and control of insured’s employees
  
  
• Employment Practices Liability CLAIMSMADE
  
  
• Employee Benefits CLAIMSMADE
  
  
• Hired and Non-Owned Auto
  
  
• Personal and Advertising Injury
  
  
• Medical Payments
  
  
• Sexual Misconduct-bodily injury resulting from rape or molestation
  
  
• Stop Gap for monopolistic WC states
  
  
• Blanket Additional Insured
  
  
• Defense costs in addition to limits of liability
  
  
• Required consent of the Insured to settle
  
  
• Coverage available for most professional classes, including accountants, attorney’s, programmers, architects *and engineers *
  
  

Policy available to all members of the staffing industry including Temporary Staffing Firms, Temp to Direct Hire, Professional Employer Organizations, Alternative Staffing Organizations.

Program limits available up to $5 million.

Refer to policy form for full coverage terms and conditions.

Policy not available in Texas
Employment Practices not available in VA, PA
Employee Benefits not available in PA, AK
Sexual misconduct not available in FL

*Without sign-off authority

Submission Requirements:
Staffing Service Liability Application
Hired and Non-Owned Auto Supplemental Questionnaire
Printed Promotional Material distributed by applicant
Applicant website address
941’s for 4 quarters or W 3
Prior carrier 3-year loss history – hard copy loss runs

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Temporary Help Errors & Omissions

• Coverage for wrongful acts of the Insured and their employees while performing services for others;
• Consent of Insured required to settle
• Defense Costs in addition to the limits of liability
• Ability to provide coverage for bodily injury and/or property damage where applicable (i.e. medical personnel)
• Personal Injury Liability
• Occurrence Form
• Coverage available for job classifications, including professional placements
• Coverage available for Professional Employer Organizations
• Incidental, Direct Hire activities may be added

Available on: (SSL)Staffing Services Liability, Temporary Help Service, Direct Hire/Personnel Consultants E&O

Program limits available up to $5 Million

Refer to policy form for full coverage terms and conditions

Submission Requirements:
Temporary Help Service Errors & Omissions Application
Printed Promotional Material disturbed by applicant
Applicant website address
941’s for most recent 4 quarters or W 3
Currently valued – 3 years carrier loss runs

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• Single and multi state policies available.
  
  
• Employers Liability
  
  
• $75 K minimum premium (exceptions can be made -call for details)
  
  
• 3-years in business
  
  
• Mandatory pre-loss control survey required determining eligibility. Thirty day minimum lead-time required. Call for details
  
  
• Free access to on line risk management program
  
  
• Program not available in NJ (incidental coverage can be offered)
  
  
• Guaranteed Cost, Large Deductible and Retrospective Rating Plans available.
  
  
• USL & H is acceptable
  
  
• Program not available to Professional Employer Organizations (PEO)
  

Submission Requirements:
Commercial Insurance & Workers Compensation ACORD Application
Complete WW Supplemental Questionnaire (link)
5 years currently valued loss runs where available
5 year premium history including audits where available
Copy of your current Experience Rating worksheet
941’s for the last 4 quarters
Detailed explanation on all claims over $25,000
Brochure or promotional information
Information pertaining to safety program
Financial statement

Worker’s Compensation Coverage will not be offered on a Mono-line basis.

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World Wide New York Insurance Services, Inc. CA, NH, TX All rights reserved.