West Virginia Temporary Staffing Insurance

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West Virginia Temporary Staffing Insurance Policy Information

WV Temporary Staffing Insurance

West Virginia Temporary Staffing Insurance. When a company needs workers temporarily, they seek the help of a temp agency. With these services, a company can get workers for limited periods of time to assist in a business. Persons who referred to a job are employees of the temporary staffing agency. As with any other business, there are risks involved with running a staffing agency.

For this reason, it's important to invest in commercial insurance for your business. Having West Virginia temporary staffing insurance provides you with protection if there's a lawsuit against your business.

West Virginia temporary staffing insurance protects your agency from lawsuits with rates as low as $87/mo. Get a fast quote and your certificate of insurance now.

Why Insurance Is Important for Temporary Staffing Firms

A lawsuit can destroy your business, which is why it is important for you to have insurance. The first thing you must do is find out what are the different insurance policies available and which ones are best suited for your business. Before speaking with an insurance agent, it's a good idea to know the different types of West Virginia temporary staffing insurance policies that are available. Here are some of the more common coverages:

Commercial General Liability Insurance: Having this West Virginia temporary staffing insurance protects you from third-party bodily injury and property damage claims. It's important for your policy to identify that your business is a temporary staffing agency and not an employment agency.

Employee Theft and Crime Coverage: With this insurance, your WV staffing company is covered when employees or other persons commit theft and other fraudulent acts. Theft in your business can cause lots of financial damage which makes having this type of insurance important for your business.

Employment Practices Liability Insurance: If you want to protect your temp agency from discriminatory action claims, then having this insurance is crucial. Whether an employee or past employee claims sexual harassment or wrongful termination you are covered by having this type of West Virginia temporary staffing insurance for your business.

Professional Liability Insurance: Professional liability insurance otherwise known as errors and omissions coverage covers your staffing agency when lawsuits are made against your business due to negligence. If you fail to provide a qualified person for the job or you don't perform the necessary background checks, and you cause damage to another business you can be held liable. With professional liability insurance, the costs associated with such a lawsuit will be covered.

Workers Compensation: Having this policy for your business provides your employees with protection if they are ever injured while working for you or another company. A staffing agency should have workers comp coverage for their in-house employees as well as other staff they deploy to other businesses.

With WV workers compensation, employees who are injured while on the job will have their medical expenses covered regardless if it was their fault or not. This insurance also covers costs if an employee is unable to work because of injury. An added benefit of having this type of insurance is when an employee is injured and die as a result of the injury this insurance pays benefits to the surviving members of their family.

Having this insurance for your business gives your employees a sense of safety when working for your staffing firm. Another thing to note is that different states have different laws and some of them might require you to have workers compensation insurance before operating.

WV Commercial Auto: Most businesses have vehicles they use for daily operations. While on the road there is always the risk of an accident happening with your company vehicles. With this in mind, it's important to protect your business vehicles by having WV auto liability insurance. Having this insurance covers your vehicle if they damage another vehicle or the property of a third party.

WV Temporary Staffing Insurance

When operating a staffing agency, there are always risks involved. You don't have to worry as much about the risks if you get the right insurance for your temp agency. If you have the right insurance for your business, you can protect yourself from lawsuits that can ruin your business.

West Virginia Economic Data, Regulations And Limits On Commercial Insurance

Made In West Virginia

Are you thinking about starting your first business? Do you already own a successful business and you're looking to expand to a new location? Whatever the case may be, when it comes to running a business, there are several factors that need to be taken into consideration to ensure your success.

Of these factors, the location of your establishment is one of the most important. In order to achieve as much success as possible, the location must offer a favorable climate and a market that can benefit from the products or services you intend on providing.

The unemployment rate of a state is a good indicator of the overall economy. The lower the rate, the more jobs are available, which indicates that there are more successful businesses in the state. Also, it's important to know which industries are seeing the most growth in the state, as well as what type of insurance you'll need to carry to properly protect yourself and ensure you are complaint with laws.

If you are a business owner who has your sights set on West Virginia, read on for an overview of the economic trends and business insurance requirements in the Mountain State.

Economic Trends For Business Owners In West Virginia

In December, 2019, the unemployment rate in West Virginia was 5.0%, which was 1.5% higher than the national average of 3.5% at the same time. Additionally, the rate increased slightly over the course of the year, as it was 4.7% in July of the same year, 4.6% in August, and 4.9% in November.

The rate has been relatively steady over the four years; however, there has been a marked decrease, as in December of 2015, the unemployment rate was 6.4%.

As with most states, the prime areas for business development in West Virginia include urban regions and the surrounding suburbs. These locations offer a large target market, a larger workforce, and are with closer proximity to surrounding regions, hence why they're more promising for businesses. As such, Charleston, Huntington, Charlestown, Wheeling, and Beckley are the best areas to open a business in the Mountain State.

There are several industries that are thriving in the state of West Virginia. These industries include:

  • Aerospace engineering
  • Automotive engineering
  • Biotechnology
  • Chemical manufacturing
  • Education
  • Energy
  • Hospitality and tourism
  • Retail

If you are considering opening a business in any of the above-mentioned areas, your chances of success in West Virginia are favorable.

Commercial Insurance Requirements In West Virginia

The West Virginia Offices of the Insurance Commissioner regulates insurance in WV. West Virginia mandates very few forms of insurance coverage by law. They enforce worker's compensation.

West Virginia requires you to have worker's compensation insurance if you hire even one employee on a regular basis. This includes part-time employees, family members, minors, and immigrant employees. It is not required for independent contractors or domestic employees, though you should check to make sure any contractors you have are true contractors, and not employees.

West Virginia also requires all business-owned vehicles to be covered by commercial auto insurance. Other types of business insurance that business owners should carry depend on the specific industry.

Additional Resources For Professional Services Insurance

Get informed about small business professional services insurance, including Professional liability, aka errors and omissions (E&O insurance), that protects your business against claims that a professional service you provided caused your client financial loss.


Professional Services Insurance

Let's face reality. People today are claims conscious, resulting in a significant share of malpractice lawsuits against professionals.

Liability resulting from the rendering of or the failure to render professional services is excluded in most liability coverage forms. This means that a policy covering a account's or lawyers' office will cover liability arising out of the maintenance or use of the premises, but specifically exclude liability arising out of the rendering of a professional service or the omission of such a service.

In addition to the professions in which actual physical or mental injury may be caused to clients, certain other professions are exposed to claims for malpractice.

Claims may be brought against lawyers, accountants, architects, and similar professional persons for errors or omissions in their professional capacity. Errors & Omissions insurance pays damages that might be awarded to a plaintiff alleging professional negligence.

Professional liability policies are made available to such risks, and these policies provide essentially the same protection as is afforded under the physicians, surgeons or dentists professional liability policy.

Minimum recommended small business insurance coverage: Business Personal Property, Employee Dishonesty, Accounts Receivable, Computers, Valuable Papers and Records, General Liability, Employee Benefits Liability, Professional Liability, Umbrella Liability, Hired and Non-owned Auto Liability & Workers Compensation.

Other commercial insurance policies to consider: Building, Business Income with Extra Expense, Earthquake, Equipment Breakdown, Flood, Computer Fraud, Forgery, Money and Securities, Special Floater, Cyber Liability, Employment-related Practices Liability, Business Auto Liability and Physical Damage and Stop Gap Liability.


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Also find West Virginia insurance agents & brokers and learn about West Virginia small business insurance requirements for general liability, business property, commercial auto & workers compensation including WV business insurance costs. Call us (304) 908-4800.

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