The Hartford doesn’t offer medical staffing insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Medical Staffing Insurance?
Medical staffing insurance is made up of different types of business insurance coverages designed to help protect you from the risks you might face as you run your staffing agency or placement firm. These could include injuries that happen at healthcare facilities, equipment damage, property loss or claims of negligence. Medical staffing insurance can help give you peace of mind, knowing you’re better prepared to deal with challenges.
A medical staffing insurance package can include these common types of coverage:
- Business Owner’s Policy (BOP)
- Professional liability insurance
- Workers’ compensation insurance
Why Might You Need Medical Staffing Insurance?
Medical staffing insurance is a collection of coverages designed to help protect you from the risks of placing healthcare professionals in high-pressure roles. From last-minute cancellations to mistakes made by the staff you assign, even small missteps can have big consequences.
Medical staffing agency insurance can help protect your business from many potential risks, like:
- Liability claims: Your temporary RN is accused of negligence after a medication mix-up.
- Cyber breach: A stolen laptop exposes sensitive data.
- Business interruption: A flood damages your office and delays staffing assignments.
Who May Need Medical Staffing Insurance?
Many types of businesses that help staff medical offices can benefit from insurance coverage, such as:
- Traveling nurse staffing agencies
- Per diem staffing firms
- Home health and private nurse agencies
- Medical administrative staffing agencies
What Medical Staffing Insurance Coverages Might I Need?
When it comes to protecting your medical staffing business, you’ll want coverage that matches your potential risks. Many medical staffing agencies start with a Business Owner’s Policy (BOP) because of the peace of mind it can provide.
A BOP combines three types of coverage to help protect your staffing business from everyday risks:
General liability insurance helps protect your staffing firm from claims that it caused bodily injury or property damage to others.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory and equipment you rely on. These can include:
- Computers
- Furniture
- Printers
- Software
Business income insurance helps replace lost income if you can’t operate temporarily because of covered property damage caused by wind, fire or theft. This coverage can also help pay ongoing operating costs, such as payroll and utility bills.
Remember — a BOP won’t cover every kind of claim you could face as a staffing company. You’ll need to get other types of insurance to give your business well-rounded protection, such as:
Commercial auto insurance to help cover claims resulting from an auto accident that occurs while you or an employee uses a company-owned vehicle for work.
How Much Does Medical Staffing Insurance Cost?
Although The Hartford doesn’t offer coverage for medical staffing businesses, here are the average costs our small business customers pay for common types of insurance. You can use these amounts to help estimate your cost:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
The cost of medical staffing insurance varies because every business faces unique risks. Insurance companies may consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific medical staffing business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A client slipped on a wet floor in our lobby and hurt their back. I had to call an ambulance to take them to the hospital.”
General liability insurance helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance (EPLI)
“I had to let one of my contractors go because they were performing poorly and were regularly late to their assignments. I was shocked to find out he sued me for wrongful termination.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my recruiters developed a back strain after working long hours and needed time off to recover.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“We couldn’t find the right fit for a client, and they sued us for breach of contract.”
Professional liability insurance helps protect your business from claims that it made an error in the professional services given to a client. It can help pay attorney fees or other court-related costs.
Cyber Insurance
“Someone hacked our computers and stole our clients’ personal information. We had to notify our clients about the breach.”
Cyber insurance helps you respond to a breach if personally identifiable information (PII) or protected health information (PHI) gets lost or stolen.
Commercial Auto Insurance
“One of my staff rear-ended another vehicle on the way to a placement call.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Get a Quote for Medical Staffing Insurance Options
Safeguard your business and the healthcare professionals you represent. Get a quote through Tivly today.
Last Updated: May 19, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small Business Claims,” viewed April 2026.
3 American Society of Safety Professionals (ASSP), "Why Ergonomics Should Be at the Forefront of Worker Safety and Well-Being,” viewed May 2025.
4 The HIPAA Journal, “Healthcare Data Breach Statistics,” viewed April 2026.
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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