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English Insurance Group Specialty Business Insurance

HEALTHCARE STAFFING AGENCIES

Healthcare Staffing Agency

Healthcare staffing agencies provide assisted living facilities, skilled nursing facilities, hospitals, long-term care facilities, rehabilitation centers, outpatient clinics and medical offices, urgent care centers, and other healthcare facilities with trained professionals to help them maintain adequate staffing levels during peak demands, employee absences, or talent shortages. The types of staff provided ranges, but common ones are Registered Nurses (RNs), Nurse Practitioners (NPs), Licensed Practical Nurses (LPNs), Certified Nursing Assistants (CNAs), and Home Care Aides.


Insurance Coverages Relevant to Healthcare Staffing Agencies



General Liability Insurance


  • Covers claims of third-party bodily injury or property damage occurring during agency operations.

  • Example: A client visiting the agency's office slips and falls on a wet floor.


Professional Liability Insurance


  • Protects against claims of negligence, mistakes, or failure to provide adequate services.

  • Example: A nurse placed by the agency administers the wrong medication to a patient, causing harm.


Employment Practices Liability (EPLI)


  • Covers claims of wrongful termination, discrimination, or harassment.

  • Example: A temporary nurse files a lawsuit alleging unfair treatment by the agency's recruiters.


Cyber Liability / Data Breach Insurance


  • Protects against data breaches and cyberattacks that expose sensitive client and employee information.

  • Example: A hacker gains access to the agency's database, compromising client contracts and employee records.



Healthcare staffing agencies operate in a high-stakes industry where errors, disputes, or accidents can have serious consequences. Comprehensive business insurance is essential to protect against financial losses, maintain the agency’s reputation, and ensure compliance with contractual obligations. By securing appropriate coverage, business owners can focus on matching healthcare professionals with the facilities that need them most.

Ask Kristie English, English Insurance Group, Principle

Ask English!

 

Question

Kristie English, M.Ed.

Principal / Agent

I'm the owner of a healthcare staffing agency, and I’m concerned about potential liability issues that might arise from placing healthcare professionals in various facilities. Are there any common pitfalls I should be aware of?

 

Answer

Great question! In the healthcare staffing industry, ensuring that you have comprehensive coverage is essential to protect both your agency and your professionals. Here are a few common insurance pitfalls to avoid:


  • Coverage Gaps: One of the biggest risks is assuming that a single policy will cover all aspects of your operation. Make sure to work with an insurance advisor who understands the nuances of healthcare staffing to tailor a package that covers every risk area.

  • Underinsuring: As your agency grows, your risk exposure changes. Regularly review and adjust your coverage limits to ensure you’re adequately protected.

  • Misclassifying Employees vs. Contractors: This can affect your workers' compensation and other employment-related coverages. It’s important to classify your workers correctly based on their role and relationship with your business.


By working closely with an experienced insurance professional who understands the unique challenges of the healthcare staffing industry, you can develop a robust risk management strategy that helps protect your agency from unexpected liabilities. If you need further guidance, don’t hesitate to reach out—we’re here to help you navigate these complexities with confidence!

Questions?

We're here to help you understand the best options for protecting your Heathcare Staffing Agency.

 

Call us at (833) BIG-TREE / (425) 673-7948, or use our online form to request a quote.

English Insurance Group Specialty Business Insurance
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