Staffing Insurance
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World Wide offers a program customized for the specific
needs of the staffing services industry. The policies listed below are described
on the accompanying pages.

Alternative Staffing Liability
Commercial Umbrella Liability/Excess Liability
Direct Hire/Personnel Consultants Errors and Omissions
Employee Benefits Liability
Employment Related Practices
Errors & Omissions (Temporary Help Service & Direct Hire/Personnel Consultant Firms)
Fidelity Bond/Employee Dishonesty (Including Third Party Coverage)
General Liability
Hired and Non-Owned Auto
Office Package Policy
Personal Injury / Advertising Injury Liability
Property Coverage
Sexual Misconduct
Staffing Services Liability
Stop Gap Coverage
Temporary Help Service Errors & Omissions
Workers Compensation

Alternative Staffing Liability

Coverage designed to protect the staffing firm from the financial consequences of legal action brought against the insured for bodily injury or property damage caused by the insured’s negligence or that of the insured’s employee—including those that are working off-site.

Available on: Alternative Staffing Liability (ASL)

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Commercial Umbrella Liability / Excess Liability

Commercial Umbrella coverage extends the liability limits of your primary policies, including General, Automobile and Employers Liability. Our Umbrella policy has the unique capacity of extending your Errors and Omissions as well.

Available on: Commercial Umbrella Policy

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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
• Personal Injury Liability
• Defense Costs in addition to the limits of liability
• Consent of Insured required to settle
• Occurrence Form
  

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
Prior carrier 3-year loss history – hard copy loss runs

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Employee Benefits Liability

Coverage designed to protect the staffing firm from claims or damages resulting from the administration of the staffing firms’ employee benefits program.

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL), Office Package Policy (OP)

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Employment Related Practices

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.

Available on: Staffing Services Liability (SSL)

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Errors & Omissions (Temporary Help Service & Direct Hire/Personnel Consultant Firms)

Designed to protect the Staffing firm when the actions of an employee cause financial loss to others.

Available on: Staffing Services Liability (SSL), Temporary Help Service E&O

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Direct Hire/ Personnel Consultants E&O

Coverage for wrongful acts of the Insured and in-house staff while performing placement services for others for a fee.

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

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Employee Dishonesty (Including Third Party Coverage)

Coverage designed for the staffing firm, as well as their client, in the event of theft/dishonest acts on the part of an employee of a staffing firm.

Available on: Fidelity Bond

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General Liability

Coverage designed to protect the staffing firm for legal actions alleging bodily injury/property damage. For the temporary staffing firm, our policy extends coverage for the great potential risk of negligence and damage caused by the employee while on assignment (care, custody and control).

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL), Office Package Policy (Direct Hire/Personnel Consultants)

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Staffing Service firms face a unique liability exposure resulting from auto accidents caused by their employees while on the job. Employees who cause injury or damage with their own or your clients’ vehicles present a significant financial risk to your company. This is particularly true if personal auto insurance is inadequate, exhausted or non-existent.

Hired and non-owned Auto provides excess coverage over other auto policies and protects the insured for liability damages in the event that coverage for the automobile involved in the accident is inadequate or exhausted. Note: Hired and Non-Owned automobile does not provide coverage for injury to the insured’s employees, nor does it cover any exposure associated with the transportation of your employees.

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL)

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Office Package Policy (Direct Hire/Personnel Consultants)

Coverage designed to protect the direct hire firm from claims alleging bodily injury and property damage.

Available on: Office Package Policy

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Advertising Injury is coverage afforded to protect you in the event that your advertising causes damage to others.

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL), Office Package Policy (OP)

Personal Injury is coverage afforded in the event you are accused of libel, slander or wrongful imprisonment during the conduct of your business.

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL), Temporary Help Service E&O, Direct Hire/Personnel Consultants E&O, Office Package Policy (OP)

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Property Coverage

Coverage designed to protect the staffing firms’ investment in real property (buildings) office furnishings, equipment including computers and lost income due to theft or destruction of that property.

Available on: Property Policy, Office Package Policy (OP)

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Sexual Misconduct

Coverage for bodily injury of sexual nature committed by an employee against others.

Available on: Staffing Services Liability (SSL)

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Staffing Services Liability

• Professional Liability (Errors & Omissions)
• General Liability
• Products & Completed Operations
• Property of others in the care custody and control of insured’s employees
• Employment Related Practices Liability *
• Employee Benefits *
• 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
• Broad Form Additional Insureds
• Required consent of the Insured to settle
• Defense costs in addition to limits of liability
• 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.

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

*Without sign-off authority

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

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Stop Gap Coverage

Employers liability for bodily injury arising out of and in the course of the insured employee’s employment by the staffing firm. Coverage applies in those states where workers compensation must be purchased from the state. (OH, WV, WA, ND, WY)

Available on: Staffing Services Liability (SSL), Alternative Staffing Liability (ASL), Office Package Policy (OP)

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Temporary Help Errors & Omissions

Coverage for wrongful acts of the Insured and their employees while performing services for others;
Personal Injury Liability
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)
Consent of Insured required to settle
Occurrence Form
Coverage available for job classifications, including professional placements
Coverage available for Professional Employer Organizations
Incidental, Direct Hire activities may be added
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
Payroll & Sales History Questionnaire
Printed Promotional Material distributed by applicant
Applicant website address
941’s for most recent 4 quarters and W 3
Prior carrier 3 year loss history – hard copy loss runs

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Workers Compensation

Coverage required in most states to pay for injuries sustained by employees during the course of their employment.

Available on: Workers Compensation Policy (WC)

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