Staffing Workers Compensation

Staffing Workers Compensation FAQ

Questions? We have answers to your workers compensation Questions. How much will it Cost?

About Us

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Work Comp for Your Staffing Company

Workers Compensation Solutions. This is our business. We provide solutions to high work comp costs for Staffing and PEO companies. Many of our clients experience significant and immediate insurance cost savings for their business! We produce win/win relationships with all of our clients! Staffing Comp recognizes the unique exposures facing PEO and Staffing Firms. We have developed a special insurance program for streamlining quoting, underwriting and simplifying claims management. Staffing Work Comp is a subsidiary of Harris Insurance and LongshoremanInsurance.com and has been in business since 1980. Our many clients include clients in the marine and staffing industry located on both the West and East Coasts of the USA.

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Pay As You Go

One Recent client had an annual premium of $240,000 with a $45,000 down payment to get his Staffing Workers Compensation going. We were able to provide guidance to enable the client to get his required Work Comp Insurance for his employees for a small fee of $2500 or so instead of the large down payment and no premium payment due for the first 40 days or so.

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Workers Compensation Made Affordable

Call us today. Does your staffing company have a large payroll? Do you have a new staffing company? Are You having to pay your workers compensation insurance under another company's name? Call us, we provide solutions to workers compensation problems.

Staffing Workers' Comp Questions, a new answer every weekday

Why do my clients keep asking for certificates, and what does a certificate actually do?

Howdy there. If you're in staffing, certificate requests are just part of the week. Here's why clients want them and what they can and can't do.

A certificate of insurance is a one-page snapshot that shows your client you have workers' comp in force, with which policy, and for what dates. Your client wants it because if you don't have coverage and one of your workers gets hurt on their job, the client could end up holding the bag. Their own auditor may charge them for your payroll too if they can't prove you were covered.

And so the certificate is proof. That's all it is.

Here's the part a lot of folks don't know. A certificate can't add coverage, and it can't change your policy. If your client wants an Alternate Employer endorsement, a waiver, or anything else, that has to actually be on the policy first. Writing it on a certificate when it isn't on the policy doesn't make it so, and it can cause real trouble for everybody.

So when a client sends over a list of wording they want, the right move is to check that wording against your policy before the certificate goes out. If something's missing, we can talk with the underwriter about adding it, and then the certificate can show it.

If you need help with a certificate request, or want coverage that matches what your clients ask for, call 205-275-5005 or use our quote form.

How do workers' comp audits work for a staffing company?

Howdy there. Audits are the part of workers' comp nobody explains, and then folks get a bill they didn't see coming. Let me lay it out plain.

When your policy starts, the premium is based on an estimate of your payroll. At the end of the policy, the insurance company audits your actual payroll. If you paid more than estimated, you owe more. If you paid less, you may get some back.

And here's the part that matters most in staffing. Payroll isn't all lumped together. It's split by the kind of work each person does. Office and clerical work is charged one way. Warehouse, construction, or light industrial work is charged another way. So if you put down mostly clerical and then end up placing a bunch of warehouse workers, the audit is going to catch that, and the bill can be a shock.

And so the fix is keeping your records clean:

Track payroll by job type, not just one total
Keep job descriptions for what your workers really do
Tell your agent when your mix of work changes during the year
Keep certificates from any subcontractors you use

So this is very important. A good estimate up front and clean records at the end keep surprises down. Your agent should be working with you on this all year, not just at renewal.

If you want us to look at how your payroll is set up, call 205-275-5005 or use our quote form.

What do you need from me to get a staffing workers' comp quote?

Howdy there. We keep it simple. Our quote form asks just 7 quick questions to get started:

Your name
Your company name
Your address
Your contact info, phone and email
Your payroll and sales
What your company does, meaning the kinds of workers you place
The coverage you need

That's it to get the ball rolling. You don't have to fill out a long application up front.

And so after that, we'll send you a few short follow-up emails, each with about 7 multiple-choice questions, to fill in the rest of what the insurance company needs. Things like which states you work in and how your payroll breaks down by type of work.

If you're a new company with no loss history, a signed No Known Loss letter is often fine. If you've been insured before, we'll need loss runs, usually for the last 3 to 5 years.

How long does it take? Standard quotes can often be done the same day. Complicated ones, like multi-state accounts or longshore exposure, take about 4-5 days. We offer premium finance.

So the best thing you can do is answer the questions as plainly and honestly as you can. A good quote starts with good information.

Ready to start? Use our quote form, or call 205-275-5005.