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Employment agencies serve job seekers and employers by placing individuals in jobs and helping companies find new employees. These agencies act as the middlemen between job seekers and employers, reducing the amount of work involved in job hunting and hiring for both parties. Employment agencies may specialize in a specific field, such as accounting, or they may offer a variety of positions for job seekers.

General Liability Insurance for Employment Agencies – Individuals who enter the offices of employment agencies are subject to on-site injuries, especially if areas are hazardous or poorly lit. Outside areas such as parking lots, sidewalks, and other walkways should be free of defects such as holes, cracks, trash and any uneven surfaces should be marked with yellow paint. Confidentiality is also a concern when dealing with the personal information of employees and potential employees. Employment agencies could be liable if personal information about employees is wrongfully released.

Professional Liability (Errors and Omissions) Insurance for Employment Agencies – The risk of lawsuits arising from professional errors is high, especially if agencies’ employees are not licensed or do not have adequate experience or training.

Workers’ Compensation Insurance for Employment Agencies – The risk of injury to the agency’s direct employees is limited to the typical office hazards including tripping and falling, electrical shocks, and eye-strain. However, if off-site temporary workers are employees of the agency, the risk of injury increases depending on the type of work being done in their assignments.

Business Auto Insurance for Employment Agencies – Some employment agencies offer shuttle services for employees to assignments or interviews, and in that case, there is a risk of automobile accidents occurring. Employees may also be required to use their own vehicles for business purposes, which elevates the risk. Risks can be decreased if MVRs are pre-approved for all drivers.

Property Insurance for Employment Agencies – The potential for loss in employment agencies is that of most office environments and includes fire. The primary fire loads for employment agencies include paper files, manuals, books, furniture, and cleaning supplies. Depending on the type of equipment stored in these offices, theft from outsiders may be a concern.

Crime Insurance for Employment Agencies – Crime typically occurs in employment agencies when dishonest employees steal from their employers. In order to prevent embezzlement of funds, employment agencies should separate the payment and deposit functions from employees who reconcile bank statements.