A staffing account can look different at renewal than it did a year earlier. New host employers, different job duties, payroll changes, additional states, or a shift in loss activity can all change how an underwriter views the business. For agents handling Workers’ Comp insurance for staffing agency clients, renewal preparation should start with identifying what has changed rather than simply updating last year’s application.

A focused review can help agents present a clearer account, anticipate underwriting questions, and determine whether the current market strategy still makes sense.

Review What Changed Since the Last Renewal

Start with the staffing agency’s current operation. Has the client added new host employers, begun serving different industries, changed the types of positions it fills, or expanded into another state? Payroll and employee counts may also look different from the expiring policy term.

For staffing agencies, operational changes can alter the exposures an underwriter needs to evaluate. A new warehouse contract, for example, presents a different picture than an account that previously supplied primarily clerical employees. Expansion into another state can also affect which markets are appropriate for the account.

Before sending the renewal to market, compare the client’s current operation with the information submitted last year. Identify new contracts, work locations, job functions, states, and other notable changes so that the renewal reflects how the business operates today.

Check Loss History and Safety Practices

Review loss runs before sending the renewal to market. Look for recurring injuries, severe losses, open claims, or a change in loss patterns. If a loss stands out, provide context. Explain what happened, whether the exposure still exists, and what the client changed afterward.

For staffing agencies, host-site practices can also add important context. The Occupational Safety and Health Administration explains that staffing agencies and host employers share responsibility for temporary worker safety. Communication about hazards, training responsibilities, and workplace conditions can help show how the client manages employees once they arrive at a host location.

Agents should ask what changed after a loss, including any new training, procedures, or host-site practices that could help underwriters better understand the client’s current operations. 

Prepare a Complete Renewal Submission

A difficult staffing renewal can become harder when underwriters have to track down missing or outdated information. Before marketing the account, confirm the submission reflects the client’s current operation.

Key items should include:

• Loss history: Provide current loss runs and explanations for unusual or severe claims when relevant.
• Payroll: Update projections to reflect the staffing agency’s expected business for the coming term.
• Classifications: Confirm class codes align with current employee duties.
• Operations: Describe the industries served, job functions, and host employers.
• Geography: Identify all states where employees will work.
• Supporting information: Include documentation of operational or safety changes when it helps explain the account.

Complete information cannot guarantee a lower quote, but it gives underwriters a better basis for evaluating appetite, pricing, and terms.

A Workers’ Comp wholesaler can also help agents determine whether the account still fits a standard market or whether claims, class mix, multi-state exposure, or another coverage barrier calls for a different approach.

Give Staffing Renewals a Stronger Path to Market

The best renewal submission reflects the staffing agency as it operates today. Reviewing job duties, classifications, payroll, losses, and host-site practices before approaching markets can help agents identify potential underwriting concerns earlier and present the account more clearly.

When Workers’ Comp insurance for staffing agencies becomes difficult to place, Worksperity helps retail agents explore specialized market options for hard-to-place clients. Send a submission to start the renewal conversation.

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.