Effective Ways to Find the Best Staffing Company Insurance Coverage

temporary staffing insurance

Do you ever get overwhelmed shopping for an insurance provider for your business needs? There are many choices out there, but no everyone has your best interests at heart, and not every company has the right package for you. The next time you need temporary staffing insurance, follow some proven methods to make the right choice.

Research

Your first step should be to spend some time at your office computer investigating local temporary staffing insurance agencies. Go to these websites and learn as much as you can about them. Find out what packages they offer, what premiums costs, how much experience the agencies have and other relevant information.

Interview

It will take some time, but it would be helpful to visit with agency representatives and talk them in person. You can find out a lot more through a one-on-one conversation than by reading words on a page.

Talk to Colleagues

If you’re well connected with others in temporary staffing, you surely know other companies that have recently made changes to their insurance plans. Ask which agencies they’ve chosen and how they feel about their service.

If you use these methods, you should be able to find a reliable insurance company to help you. This way, you will be prepared for just about anything.

3 Ways Staffing Insurance Keeps Your Agency Safe

Staffing agencies like yours have unique needs that set them apart from other businesses in any industry. This simple fact can make insuring our business entirely and creating a smooth, professional experience for everyone involved seem like an insurmountable challenge. However, temporary staffing insurance is on your side, and has what it takes in order to keep you, your employees and your clients safe and happy. It manages to do this by offering a few different layers of protection, such as

  • Legal protections and financial support in the event that your employee sustains physical injuries or work-related illnesses while placed at your client’s company.
  • Financial and legal support in the event that your temporary employee causes property damage or other sorts of trouble at your client’s place of business.
  • Keeps you on track and gets you the help you need if you or your employee are accused of copyright infringement, libel, slander or another crime in the same realm.

Each of these simple yet effective protective layers are what allow temporary staffing insurance to get you all the help you need to run your business smoothly and effectively. Speak to a professional about general liability insurance for your field as well as additional coverage options to get the support and protection you need in no time at all.

After You File a Temporary Staffing Insurance Claim

temporary staffing insurance

One question to ask insurance companies you are considering for your temporary staffing insurance company is this: “What happens after I file a claim?” In company responses, look for a straightforward step-by-process and ease of contact.

Acknowledgement of Claim

In the first 24 to 48 hours after filing the claim, you should expect to receive written acknowledgement of the claim you filed. This acknowledgement should include the claim number as well as the name and contact information of the insurance claims professional handling the claim.

Contact from Claims Claims professional

Within one business day of the claim being received, the claims professional should contact your staffing agency to talk about the claim and where the process could go. This contact is normally via telephone.

If a lawsuit has been filed against your agency, the claims professional reviews your coverage and assigns you defense attorneys. They are chosen from a list of qualified area attorneys.

Responsiveness

Dealing with a temporary staffing insurance claim can be an overwhelming and uncomfortable process. It is important that your insurance company is responsive to your questions. To that end, ways to contact your claims professional should be clearly listed. For example, you should know your claims professional’s name, mailing address, phone numbers, fax numbers, website URL and email address.

Protection against Employment Practices Claims

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temporary staffing insurance

With temporary employees, the way a workplace runs can have subtle undercurrents. Dealing with a temporary employee or direct hire staff might feel different to some managers than they feel about permanent employees. They aren’t allowed to discriminate, but there could be allegations from someone not invested in the company, such as a temporary employee. That’s why it’s imperative to get a comprehensive package of temporary staffing insurance. If companies do so, they are helping ensure their profitability in the face of litigation.

 

What Employment Practices Policies Cover

 

On the face of it, employment practices refers to how people are treated on the job. This refers to both temporary employees and in-house employees. Claims typically deal with allegations of discrimination in one of several ways. With a diverse workplace, especially one comprised partially of temporary employees, miscommunication and misunderstanding happens. How management deals with it is the key. That why companies need temporary staffing insurance as protection against claims like these:

 

  • Sexual harassment
  • Unfair termination
  • Discrimination based on gender, religion, ethnicity, or sexual orientation

 

Why Coverage is Important

 

In the litigious climate of today’s workplace, it is not enough to believe your employees have good intentions in the way they deal with each other. When someone claims they were discriminated against, whether she is a permanent or temporary employee, the charge must be taken seriously. Specialists in temporary staffing insurancecan help identify potential weak spots in your coverage and may even be able to advise managers against potential losses or lawsuits.