What Kind of Insurance Does a Staffing Agency in Michigan Need When Placing Industrial Workers?

Placing workers in warehouses, manufacturing plants and fabrication facilities carries significant financial exposure. An injury on a client’s premises, a vehicle accident during a placement, or a negligence claim from a dissatisfied client can result in losses that threaten the entire business. The right insurance policies can provide financial protection for your agency before any of those situations escalate.

Essential Policies for Staffing Firms

Industrial placements create layered liability because your employees are working under conditions you do not control. Our team can help you secure the following policies:

• Workers’ compensation insurance: Required in Michigan, it can cover employees’ medical expenses and lost wages if they are injured or become ill due to an at-work incident.
• General liability insurance: This can cover third-party bodily injury, property damage, and personal and advertising injury claims arising from your operations or placements.
• Professional liability insurance: This can cover claims that your agency made a negligent hiring decision or failed to meet its obligations with a client.
• Business interruption insurance: This can help with lost income and ongoing expenses if a covered risk forces you to shut down operations temporarily.
• Employment practices liability insurance: This can help with legal defense costs, settlements and judgments from claims of wrongful termination, discrimination or other employment-related issues filed against your company.
• Umbrella liability insurance: This can add a layer of coverage above your underlying policy limits when a major claim exceeds your primary limits.

How Our Team Can Help

A generic insurance strategy may not be enough for the volume of workers placed, the variety of worksites involved, or the contractual requirements that clients impose. Our team reviews your placements, client contracts and current coverage to identify gaps and recommend policies built around your risk profile.

Contact Willow Insurance Group to request a personalized quote.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.