Staffing Agency Workers' Comp Insurance

Coverage Built for How Staffing Agencies Actually Work

Staffing agencies carry a unique workers' compensation exposure — your employee headcount changes constantly, you place workers into many different job types and classifications, and you may operate across multiple states at once. At LongshoremanInsurance.com, we build workers' comp programs specifically around that reality.

Twin-hulled cruising catamaran with blue sail cover

Do Any of Your Placements Involve Maritime or Waterfront Work?

If some of your placed workers are on vessels, docks, piers, or near navigable waters, those placements may fall under the United States Longshore and Harbor Workers' Compensation Act (USL&H) — a federal law separate from standard state workers' comp. We specialize in exactly this overlap: staffing agencies that need both general state workers' comp AND USL&H coverage for their maritime-exposed clients.

See Maritime Staffing Insurance

The Unique Challenges of Staffing Agency Workers' Comp

Multi-State Complexity

Managing workers' comp requirements across different states and jurisdictions

Constantly Changing Class Codes

Payroll and risk shift as placements change week to week

Loss History Impact

A single bad claim year can limit your options with standard markets

Insurance Solutions for Staffing Agencies

Workers' Compensation Insurance

Coverage for your placed employees across the states and classes you operate in

Multi-State Coverage Programs

Programs built for agencies placing workers across multiple states

High-Risk & Hard-to-Place Classes

Access to markets for staffing agencies with tougher risk profiles or loss history

Marine Insulation & Lagging Contractors

WHO THIS IS FOR

Marine insulation contractors performing shipboard pipe, hull, or bulkhead insulation
Lagging crews on ship repair or new-construction contracts
ALMA-affiliated contractors and subcontractors
Insulation subcontractors working under a shipyard or general contractor on vessel work

Why State Workers' Comp Alone May Not Be Enough

If your crew works aboard vessels or on shipyard property, your state workers' compensation policy may not respond the way you expect.
USL&H and state coverage can apply at the same time — this is called concurrent jurisdiction — and a shipyard or general contractor will often require proof of USL&H before your crew can badge in or start work, regardless of what your state policy already covers.
It's common for a policy in this space to include a Job Limitation Endorsement, meaning coverage applies to specified operations and locations, with any additional USL&H work during the policy term subject to prior underwriting review and approval.
This isn't a reason to assume you can't get covered — it's why working with a broker who already understands the trade matters.

What We Need From You to Get a Quote Started

Scope of work: new construction, ship repair, or retrofit
Where the work is performed: shipboard, dockside, or shop
Payroll by class code
Current or prior carrier and loss runs
Any contract language requiring USL&H coverage

Ready to Get the Right Coverage

Get In Touch

"Contact us to request a review of your USL&H insurance needs."

FREQUENTLY ASKED QUESTIONS

Is ship repair or shipbuilding work covered under USL&H?

It can be — eligibility depends on where the work is performed, the nature of the contract, and the facts of your specific operation. It's not automatic for every marine contractor.

Do I still need state workers' comp if I carry USL&H?

In most cases, yes. USL&H and state coverage often apply together rather than one replacing the other. Your specific facts determine what's required.

Why is this coverage harder to place than standard workers' comp?

Some carriers are cautious about shipyard and vessel risk and may limit coverage to specific jobs or locations through a Job Limitation Endorsement, with new work added subject to underwriting review.

How fast can I get a certificate for a shipyard job?

We move quickly once we have your scope, payroll, and prior loss information — contact us directly to start.

Workers' Compensation Insurance for Staffing Agencies