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Resources

Workers’ Comp Resources & Guides

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By Staffing Vertical

Coverage guides for every staffing niche we insure, from light industrial to travel nursing.

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By State

Requirements, rate environments, and state-fund rules for every operating state.

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Class Codes

Our code library: what each classification covers and how it's priced.

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Cost & Rates

What drives workers' comp costs: mods, class codes, payroll mix, and market cycles.

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Latest From the Blog

Compliance Exemptions

Workers’ Comp for 1099 Employees and Independent Contractors

A true independent contractor is generally not covered by the workers’ compensation policy of the business that hires them. So in the narrow case, you do not need workers’ comp for 1099 employees. The problem is that the narrow case is rarer than most business owners assume, and the people searching for “workers’ comp for […]

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Compliance Exemptions

How to Get the Cheapest Workers’ Compensation Insurance

Cheap Workers’ Compensation insurance is not a fantasy. In fact, affordable coverage can be your reality when you partner with our brokers to find a policy. Getting the cheapest Workers’ Compensation insurance possible is a goal of many employers. By familiarizing yourself with your company’s various risk factors and getting in touch with reliable carriers, […]

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Janitorial Staffing

Why Slip-and-Fall Claims Cost Janitorial Staffing Agencies More Than Budgeted

Slip-and-fall injuries are the most common type of workers’ compensation claim filed by janitorial and commercial cleaning workers, and they are also the most consistently underestimated. Janitorial staffing agency owners who budget for workers’ comp on the assumption that cleaning work is relatively low-risk are often caught off guard when their actual claims experience tells […]

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This is the library of workers’ comp resources we point clients to most often: forms, cost breakdowns, class code references, and guides to how policies actually get priced and placed. It’s here to answer the practical questions that come up once you have coverage, or while you’re deciding whether a policy is the right fit.

Need a specific document? Check the forms library. Want to understand what drives your premium? Our cost breakdown for staffing agencies walks through the real cost factors. Looking for ways to manage cash flow around payroll? Payroll funding for staffing agencies explains how it works. And for details on a specific classification, our class code library covers individual codes.

Can’t find what you need? Call (561) 990-3022 or request a quote and ask a broker directly.

Common Questions

Answers to the questions we hear most from staffing companies shopping for workers' comp.

Have another question? Contact us →

What do you need from us to quote an account?

For most staffing accounts, we need a completed application, three to five years of valued loss runs, payroll broken out by class code and state, your experience mod worksheet if you have one, and a client list showing where your employees work and what they do. Send what you have. A missing document slows a quote down, but it won't stop one. Download the submission forms →

How long does a quote take?

Most quote requests are answered within 24 to 48 hours. If you're facing a deadline — a client start date, a cancellation notice, or a contract requirement — let us know and we'll move you to the front of the line.

What is an experience mod, and why does it matter so much?

Your experience mod compares your claims history to what's expected for a business with your class codes and payroll size. It's applied directly to your premium, so it can raise or lower your cost regardless of your rates, and it stays with your business even if you change carriers. A high mod also limits which carriers will consider you at all. That's why an account declined elsewhere often needs a broker who knows which carriers still write it. More on high-mod and hard-to-place accounts →

Where do we look up a class code?

Use our class code lookup for the codes that come up most often in staffing. Keep in mind that class code definitions vary by state, and the final word belongs to each state's rating bureau or agency. The lookup is a starting point for the conversation, not a guarantee of how a carrier will classify your business. Open the class code lookup →