Insurance for Staffing Companies in Florida

At Bellken Insurance Group, we are committed to providing the best insurance policies for staffing companies in Florida. Our knowledgeable staff will work with you to create a comprehensive coverage plan tailored to your specific needs and budget.



We’ll review all aspects of your business operations, from payroll services to human resources, so that you have the right protection in place should something happen. With our team of professionals, you can rest assured that your staffing company will be protected against any potential risks. Contact us today to get started!

Also known as errors and omissions (E&O) insurance, professional liability insurance is a crucial aspect of running a successful staffing agency in Florida. This type of coverage protects your business from claims made by clients who have experienced financial losses due to the services provided by your company or its employees.

Florida staffing companies should get professional liability coverage for various reasons.:

• Client Contracts: Many clients may require staffing agencies to have professional liability insurance in place before they will sign a contract or do business together.
• Risk Management: Staffing agencies face unique risks due to the nature of their business. Professional liability insurance helps mitigate these risks and protect your company's financial stability in case of a lawsuit.
• Reputation Protection: A lawsuit can damage your company's reputation, making it difficult to attract new clients and retain existing ones. Having professional liability insurance in place demonstrates a commitment to professionalism and can help maintain your company's credibility.

When selecting a professional liability insurance policy for your Florida staffing agency, consider the following key coverage areas:

• Negligence Claims: Covers claims arising from alleged negligence in the recruitment, selection, or placement of temporary workers.
• Misrepresentation: Protects against claims of false or misleading statements made to clients or candidates during the hiring process.
• Violation of Employment Laws: Covers claims alleging violations of federal, state, or local employment laws, such as discrimination or harassment.
• Breach of Contract: Provides coverage for claims related to the breach of a client contract or service agreement.
• Defense Costs: This covers legal expenses associated with defending your company against a claim, even if the claim is groundless or without merit.

Another key factor to consider when selecting a professional liability insurance policy is the limits of coverage. This refers to the amount of money that will be paid out in case of an eligible claim. To ensure your business is adequately protected, choose a policy with higher limits than your typical staffing engagement contract requires.

In addition to professional liability insurance, staffing companies in Florida must also have workers’ compensation insurance. This type of coverage provides financial protection for temporary employees who suffer a work-related injury or illness. It covers medical expenses and lost wages related to the incident, as well as legal fees if the employee decides to pursue a claim against the staffing agency.

Florida law requires all staffing companies with four or more employees (including temporary workers) to carry workers’ compensation insurance. This coverage can be purchased from a private insurer or obtained through the Florida Workers’ Compensation Self-Insurance Plan. Regardless of which option you choose, make sure that your policy meets the state minimums for both limits and scope of coverage.

For staffing companies that have company vehicles or employees who drive their own cars while on the job, commercial auto insurance is a must. This type of policy provides financial protection in the event of an accident and covers a wide range of damages and losses, such as medical bills, vehicle repairs, liability expenses, and even legal defense costs.

Florida requires all businesses that own or operate motor vehicles to carry commercial auto insurance. Depending on the company’s needs, this coverage can be customized to provide protection for a specific type of vehicle, such as trucks or vans. Companies are also free to adjust the limits and deductibles on their policy to meet their budget demands.

In addition to meeting Florida’s minimum auto insurance requirements, staffing companies should consider adding other coverage options such as Uninsured/Underinsured Motorists Coverage and Personal Injury Protection Coverage to their policy. These additional coverages may provide extra protection in the event of an accident with a driver who is uninsured or underinsured.

In the digital age, data breach and cyber liability insurance are becoming increasingly important for Florida staffing companies. As technology becomes more advanced, so too does the risk of a data breach or cyberattack, which can result in serious financial and reputational damages. Data breach and cyber liability insurance coverage helps cover the costs of responding to a data breach, such as forensic investigations, customer notifications, identity protection services for affected customers, legal fees, and more. This type of coverage is invaluable for staffing companies that regularly collect sensitive data from their clients and employees.

The cost of insurance for staffing companies in Florida depends on several factors, such as the size of the company, the type of workers they provide, the industry they serve, the level of coverage they choose, and their claims history. Therefore, there is no one-size-fits-all answer to how much insurance staffing companies need or how much it will cost them.



However, a general estimate based on industry averages suggests that a basic insurance package for a staffing agency in Florida could cost around $1,000 per year. This is just an estimate and individual premiums will vary depending on the size and type of business. It’s important to work with a professional agent or broker to find the right coverage for your business needs at an affordable price.

Letting an insurance agent or broker shop around on your behalf for the right coverage is one of the best ways to save money and get tailored protection for your business. Here at Bellken Insurance Group, we have access to top-rated national and regional insurance carriers that specialize in providing coverage for staffing companies. We’ll compare quotes from multiple insurers to find the most affordable policy that meets your specific needs.



Contact us today for a free consultation and quote. Our knowledgeable agents are here to answer any questions you may have about insurance for staffing companies in Florida, and help you find the coverage you need to protect your business. We look forward to working with you!