When you are the owner of a staffing agency, there are many things about your insurance policy that will differ from traditional liability or property and casualty policies. Here are a few things you can look for that will help enhance your contract employee insurance policy so it provides the right coverage you need.
Look for a policy that can offer separate deductibles for both bodily injury and property damage. Since you are sending employees out from your firm to firms and companies all over the place, there are inherent risks in losing direct control over the employee that may not be addressed in a more traditional policy. If the temporary worker causes property damage, inflicts bodily injury or sustains bodily injury, you need to know you are covered in all cases.
Also look for a policy that covers employees no matter where they go. If you are operating a firm and sending employees all over the country, or even all over the world, a traditional policy may not extend outside of your immediate state or area.
Find a company that can offer contract employee insurance that is tailored to your unique needs as a staffing agency, and you will have one less thing to worry about when it comes to running your business.