As peak staffing season approaches, agents face a critical window to help clients resolve staffing Workers’ Comp insurance gaps. Many industries ramp up hiring in Q4 — from retail and logistics to hospitality and warehouse operations — but those gains can vanish if clients are bare, cancelled, or facing a lapse in coverage. 

Staffing companies are especially vulnerable, juggling fast onboarding and changing payrolls while staying compliant. If you’re working with seasonal clients in staffing, construction, or hospitality, now is the time to act.

Why Coverage Gaps Happen More Often Than You Think

Lapses, cancellations, and bare status aren’t rare — they’re recurring challenges in Workers’ Compensation:

• Lapsed policies often result from missed audits, slow seasons, or administrative errors.
• Bare clients may be startups or previously uninsured businesses seeking to reduce their overhead.
• Non-payment, high loss ratios, or insurer exits can cause cancelled accounts.

Staffing agencies, in particular, deal with multi-state operations, fluctuating payroll, and misclassifications, making them more likely to face coverage disruptions.

The Hidden Risks of Entering Peak Season Without Coverage

Operating without Workers’ Compensation can be catastrophic.

• Legal and financial penalties: Most states impose steep fines for uninsured operations and violations of Workers’ Comp rules and regulations.
• Missed revenue: Clients without valid coverage can’t secure vendor contracts or staff for seasonal surges.
• Damaged relationships: If agents can’t act quickly, they risk losing renewals and referrals.

Even when seasonal hiring slows, companies that do hire need to move quickly. Delays in placing coverage cost business.

How To Get Started

Getting your clients covered quickly starts with preparation:

• Collect documents: Gather the Acord 130, loss runs (or a No Loss Affidavit), and experience mods.
• Explain the need: Is the client lapsed, bare, or recently cancelled?
• Start now: Many seasonal clients need quotes within days.

Worksperity offers fast turnarounds and strategic support. Submit a client today, and get access to over 90 markets designed for tough placements.

Why Worksperity?

Seasonal clients with Workers’ Comp gaps can’t afford delays, and neither can you. As a Workers’ Comp wholesaler, Worksperity specializes in placement for staffing, hospitality, and other fast-moving industries. Our programs are ideal for clients with prior coverage issues, including those who are bare, recently cancelled, or coming off a lapse.

With no premium minimums and rapid quote turnaround, agents can move quickly without sacrificing quality. More importantly, you’ll work directly with a team that understands the urgency of seasonal placements and supports you every step of the way.

If you’ve been told “no” elsewhere, we help you turn those accounts into wins. Send a submission today, and get your seasonal staffing clients ready for the holidays.

FAQ About Staffing Workers’ Comp Insurance

Can I get staffing Workers’ Comp insurance for a client with no current policy?

Yes. We work with bare clients regularly, using tools like the No Loss Affidavit.

What if the client was cancelled due to non-payment?

Our markets evaluate intent, operations, and payment history — not just the cancellation.

How fast can we get quotes for seasonal staffing?

Often within 24 to 48 hours, depending on documentation. Rush placement is available.

Do you consider clients with red flags like past claims or coverage lapses?

Yes. Our underwriting partners look at the full picture, not just isolated red flags.

Can I submit small or seasonal accounts through Worksperity?

Absolutely. We’re built for flexibility, speed, and volume-free submissions.

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 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.