The staffing industry is on an upswing, but so are the challenges that come with placing Workers’ Comp coverage for these companies. High employee turnover, constantly shifting roles, and multi-state operations are just the beginning. For retail agents and brokers, finding the right fit means navigating a shrinking field of carriers with increasingly narrow appetites.

Workers’ Comp insurance for staffing companies requires a smarter strategy. Worksperity helps agents break through underwriting roadblocks by giving them access to 90+ specialized markets and programs tailored to the realities of temporary labor. Let’s look at what’s changing in the market and how agents can stay ahead.

Why Staffing Clients Are Tough To Place

Staffing companies rarely fit into clean underwriting boxes. Their employees can vary in skill level, shift frequently between job sites, and work under a wide range of employer controls. 

According to the Workers’ Compensation Insurance Rating Bureau of California’s 2024 Employee Tenure Study, workers with less than one year of tenure present higher risks. They’re more likely to experience injuries caused by falls, being struck, or cuts. This trend is especially relevant for staffing clients, where rapid onboarding and short assignments heighten the risk of injury and claims volatility.

With a high claims frequency and a transient workforce, staffing accounts may get relegated to the assigned risk pool by carriers. As such, agents need more than traditional placement options. They need flexibility, speed, and partners who understand staffing from the inside out.

Trend #1: Multi-State Exposure Is More Common Than Ever

Whether it’s a healthcare staffing agency placing traveling nurses or a seasonal temp firm filling hospitality roles across regions, multi-state exposure is now the norm. Many carriers either can’t or won’t write across state lines, forcing agents to juggle multiple policies or settle for incomplete coverage.

Worksperity’s programs are built to solve this problem. We offer consolidated coverage that accommodates complex staffing structures and supports seamless quoting, even when clients operate in multiple states. It’s a particularly effective solution for seasonal staffing clients who move quickly and expect agents to keep up.

Trend #2: PayGo Models Are Becoming a Go-To Strategy

Staffing clients value control and flexibility, especially when it comes to payroll. PayGo Workers’ Comp solutions align perfectly with that mindset. By billing premiums based on after-the-fact payroll, PayGo eliminates year-end audits and the need for costly estimated payments.

Worksperity’s PayGo model is human resources–friendly, easy to integrate with existing payroll systems, and ideal for agents looking to close more business faster. It’s also well-suited to accounts with fluctuating headcounts or inconsistent hours.

Trend #3: Appetite for High-Risk Codes Is Expanding (But Selective)

Some carriers are starting to wade back into high-risk staffing segments, but they’re choosing their partners carefully. Brokers who come prepared with a strong submission, a clear understanding of class codes, and access to flexible programs are more likely to win out.

At Worksperity, our C-level carrier relationships open doors that other wholesalers can’t. And because we work only in Workers’ Comp, we know exactly how to navigate niche markets and complex exposures.

Win More Staffing Accounts With Worksperity

Placing Workers’ Comp insurance for staffing companies takes more than quoting a policy. It takes strategy, speed, and a wholesale partner who understands the complexity behind every class code. Worksperity equips agents with the tools, markets, and support to compete and win in one of the toughest corners of Workers’ Comp.

• One-on-one agent workflow: You get direct support from a Workers’ Comp expert who understands staffing challenges.
• No minimums or maximums: We work with all agency sizes, from local independents to regional brokerages.
• Coverage for all states and class codes: That includes notoriously tough codes like home healthcare, industrial, and hospitality.
• Rapid turnaround and educational support: We offer fast quoting paired with tools to help you explain and sell complex solutions to your clients.

Got a staffing client with tough coverage needs? We can help you find a home for them. Send a submission.

FAQ About Workers’ Comp Insurance for Staffing Companies

Why do staffing companies struggle to get placed in the standard market?

Temporary labor, high turnover, and claims frequency often push staffing clients into the assigned risk pool. Most carriers lack an appetite for these accounts.

What is PayGo, and how does it help staffing clients?

PayGo is a pay-as-you-go model where premiums are calculated per pay period using after-the-fact payroll. No audits, no disruption to payroll systems, and coverage through A-rated carriers.

Can Worksperity write multi-state staffing firms?

Yes. Our programs support consolidated coverage across multiple states, making it easier for agents to present clean, scalable solutions.

What types of staffing companies has Worksperity helped place?

Everything from light industrial temp agencies to skilled medical staffing and hospitality workers. If your client is hard to place, we likely have a solution.

What documents are needed to get started?

Acord 130, loss runs (or loss affidavit if no prior coverage), and the client’s e-mod (if applicable). Submission is simple and handled by our team.

About Worksperity

Worksperity is a specialized wholesale brokerage focused exclusively on Workers’ Compensation. We partner directly with retail agents to simplify placements for hard-to-place industries, including Workers’ Comp insurance for staffing companies and clients with coverage barriers. Our deep expertise, rapid quote capabilities, and access to 90+ niche markets empower agents to win more business, faster. Learn more at worksperity.com.