If there’s one thing professional employment organizations have in common across industries, it’s that their insurance needs are unique. While types of liability might look similar on paper from one industry’s policy to the next, the realities of the risks taken by staff on the ground are very different, and each policy needs to reflect that. Nowhere is that wide differentiation more clear than for those PEOs who focus on medical staffing solutions, providing skilled workers to hospitals, clinics, private practices, and even home care services.
Employer Liability for Medical PEOs
Staffing companies don’t take on all the same liabilities a first-party employer does, but they do take on many of them, and they share others. That’s why your staffing firm insurance needs to be built for staffing firms, not just employers in general. When it comes to the additional liabilities that are part of providing care for sick or injured people, you could also wind up needing coverage many other staffing firms do not need, depending on the roles you fill and their requirements for professional liability coverage. Working with an insurer who specializes in medical PEOs is the best way to make sure you have the resources to double-check all your coverage areas, so you and your employees are always protected when they go out on a job.