Professional Services · Minnesota
Minnesota Staffing Agency Insurance
Minnesota staffing agencies place workers across manufacturing, healthcare, office, and technology sectors — creating a complex workers' comp exposure that changes with every placement. As a MN-licensed independent broker, I find staffing agency insurance for MN businesses that covers employer liability for placed workers, professional liability for staffing decisions, and the commercial needs of agency operations.
What staffing agency insurance covers
Staffing agencies in Minnesota place workers across diverse industries — and with each placement comes a complex combination of workers' comp exposure, employer liability, and professional liability that requires specialized coverage.
Workers' Compensation
Covers temporary and contract workers placed by your agency against job-related injuries. As the employer of record, your agency is typically responsible for workers' comp for placed workers.
Employer Practices Liability (EPLI)
Covers wrongful termination, discrimination, harassment, and wage and hour claims from temporary workers — a significant exposure for staffing agencies that place large numbers of workers.
Professional Liability (Staffing E&O)
Covers claims arising from negligent placement decisions — placing an unqualified worker who causes harm, or failure to screen candidates properly.
General Liability
Covers bodily injury and property damage claims arising from your staffing agency's operations.
Commercial Crime
Covers theft, fraud, and dishonest acts by temporary workers placed at client locations — a significant exposure for agencies placing workers in cash-handling or financial roles.
Commercial Umbrella
Extends your GL and employer liability limits — staffing agencies with large placement volumes have proportionally larger exposure that umbrella coverage helps address.
Why Dayton Insurance
An independent agent who works for you
Unlike captive agents who represent one company, I shop multiple carriers to find the right coverage at the right price for your Minnesota business.
Truly independent
I represent multiple top-rated carriers — not just one company. That means you get options, not a single take-it-or-leave-it quote.
Claims advocacy
When you file a claim, you have someone in your corner. I'll walk you through the process and follow up with the carrier so you don't have to fight it alone.
One agent, start to finish
From the first quote to renewal, you work with Nate directly. No call centers, no handoffs, no surprises at renewal.
Get your quote
Ready to get covered in Minnesota?
As an independent broker, I shop multiple carriers to find the right fit for your Minnesota business. Most commercial quotes come back within 2–3 business days.
Request a Free Quote
No forms, no fees — just a straightforward conversation about your coverage needs.
Common Questions
Frequently asked questions
Who is responsible for workers' comp for temporary workers in Minnesota?
In most situations in Minnesota, the staffing agency is the employer of record and is responsible for workers' comp for placed temporary workers. The client company may have co-employment responsibilities in some arrangements. I'll help you structure coverage correctly for your placement model.
What is staffing E&O and why do I need it?
Staffing E&O covers claims that arise from placement decisions — placing an unqualified worker, failure to conduct required background checks, or a temporary worker whose actions cause harm at a client site. It's a specific professional liability that staffing agencies face.
How much does staffing agency insurance cost in Minnesota?
Staffing agency insurance in Minnesota varies significantly based on your annual payroll volume, the industries you staff, and placement types. Workers' comp is typically the largest cost component. I compare multiple carriers to find the right program for your staffing niche.
Am I covered if a temporary worker injures someone at a client site?
Your GL covers bodily injury caused by your operations, including placed workers acting within their placement scope. Staffing E&O covers claims specifically related to your placement decisions and screening process.