Staffing Agency Workers' Comp for Agents: What CPR Places and What to Send
CPR Business Solutions places workers' compensation for staffing and temporary staffing agencies that standard markets decline or non-renew: high mods, light-industrial and construction placements, audit disputes and lapsed coverage. Tell us the states, the placement mix and roughly where the mod sits, and we reply within one business day with a yes, a no, or exactly what we would need to see. You do not need an ACORD or loss runs for that first answer.
Staffing accounts we want to see
Experience mods above roughly 1.25, including mods of 1.5 and above.
Light-industrial, warehouse and food-production staffing with heavy frequency.
Agencies with some construction or higher-hazard placements.
Cancellations, non-renewals and lapsed coverage.
Accounts in a state fund or assigned risk that want a path back to the voluntary market.
Agencies with audit disputes, payroll classification problems or large audit bills.
Multi-state staffing payrolls that need a lead-state structure.
California staffing agencies working with larger clients under Labor Code section 2810.3.
How we place them
We take the account to the market that fits it. Depending on the file, that means specialty staffing markets, PEO and ASO programs, pay-as-you-go structures, or a state fund or assigned-risk placement with a plan to return to the voluntary market. We also ask about the endorsements the agency's client contracts require, so the policy and the contracts line up at bind.
What to send
Start with the three-line answer through Will We Write It. If it is a yes, send:
ACORD 130 and a description of the agency's operations.
Payroll by class code and by state, not a lump sum.
Current and prior experience mod worksheets.
Five years of currently valued loss runs, including open claims and reserves.
The placement mix: industries, and the share that is light industrial, food, hospitality, clerical or construction.
The percentage of high-hazard work, and any heights, excavation or hazardous-materials placements.
Safety and onboarding programs, including job-site evaluation before placement.
Return-to-work program details.
Client vetting and certificate practices.
Ownership and management experience, and any prior audit disputes or coverage gaps.
How underwriters read the loss history is in our loss run guide.
Frequency is the story
Staffing mods are driven by claim counts more than by single large claims, and turnover makes them volatile. The most useful thing a submission can show is what the agency changed: job-site evaluations before placement, first-week safety orientation, prompt injury reporting and a return-to-work program that keeps claims medical-only.
Reading list for your client
Staffing agency workers' comp guide: classification, the mod problem and placement paths.
Alternate employer endorsements and certificates: what client contracts ask for.
Staffing agency premium audits: where disputes start and how to prevent them.
PEO and ASO for staffing agencies: which structures fit.
High X-mod placement: the four paths for a high-mod account.
Frequently Asked Questions
How fast will CPR answer a staffing submission?
Send the states, placement mix and approximate mod through our Will We Write It page and we respond within one business day with a yes, a no, or what we need to see. No ACORD or loss runs are required for that first answer.
Does CPR work with retail agents?
Yes. Agents and business owners both submit to us. We are a wholesale workers' comp MGA built to take accounts a retail agent cannot place with their own markets.
Will you write a staffing agency with light-industrial and construction placements?
Often yes, depending on the mix, the mod and the safety program. Those are the placements many standard markets decline, and they are part of what we work. Send the placement mix and payroll by class and state.
Can you help with a staffing account that has an audit dispute?
Yes. Classification and audit disputes are common in staffing, and we look at them as part of placing the account. Send the audit and the payroll records behind it.
What states do you cover?
We place workers' comp nationwide, with a strong California focus. Multi-state staffing payrolls are structured around a lead state, and monopolistic states are handled case by case.
Have a staffing account that needs a home? Run it past us at Will We Write It, or send the file to proposals@cprbrokers.com. Call 714-928-3858 (office 704-256-5945).
