Covering Your Temp Employees

Temporary staffing agencies help their clients’ businesses by providing skilled workers for limited periods of time. This is an especially good arrangement when a client needs to supplement their workforce due to illness, vacation or paternity leave being used by a full-time worker. These individuals being used to “fill in” are provided to clients strictly on a temporary basis. The client is responsible for providing all direct supervision of any temporary personnel while they are at the client’s work site.

Temporary staffing services provide individuals who have skill sets in a number of industries, including bookkeeping, hospitality services, clerical work, janitorial services, warehouse workers, and computer/IT professionals. Some providers offer professionals in high-end positions such as doctors. Having temporary staffing insurance protects these workers in the event they cause property damage or personal injuries to others while on the job.

Workers comp coverage also required

Workers’ compensation insurance provides coverage when accidents happen to individuals while at the workplace. It ensures that the injured worker gets medical care and income protection while unable to work. Your agency has some unique workers’ compensation concerns since you must provide workers’ comp insurance for your in-house employees, as well as for temporary workers placed with other firms.

This coverage provides benefits to your injured workers regardless of who is determined to be at fault for the injury. Workers’ compensation laws vary from state to state and each state also determines the amount of benefits an injured worker will be entitled to, the types of impairments or injuries that are covered, and the method of evaluating injuries and what medical care may be required.

Temporary agencies should be aware of the risks associated with the different types of jobs that they fill for clients, with each employee covered with the necessary amount of workers’ comp insurance for the job they are required to do. It’s vital that you keep meticulous records of job classifications, salaries, the number of hours worked, and any applicable work orders in order to ensure appropriate coverage and premium calculations for all workers.

There are different exposures you may face and different policies to have in order to deal with any other risks. Speak to an agent today in order to discuss your particular needs.