Need Staffing Services Insurance in Austin & Houston?
Starr Insurance Agency specializes in helping staffing firms across Texas get the right protection for their business. From temporary staffing agencies to professional employer organizations, we understand the industry inside and out — whether you’re operating in the heart of Austin, the Houston metro, or anywhere in between.
Staffing is a people business — and people are unpredictable.
Every worker you place represents a potential liability. Every client site is an environment you don’t control. And every contract you sign comes with obligations that could put your agency at financial risk if something goes wrong.
This is especially true in a city like Houston, where the staffing industry serves some of the largest energy, healthcare, and construction companies in the country. The sheer scale of operations here means your exposure is real — and your coverage needs to match it.
The risks staffing agencies face are unlike any other business
You’re not just an employer — you’re a staffing company, a contractor, and a service provider all at once. That means your exposure to lawsuits, workplace injuries, and professional liability claims is significantly higher than most businesses your size.
A single workers’ comp claim, a wrongful termination lawsuit, or a client alleging negligent hiring can cost your agency hundreds of thousands of dollars. In competitive markets like Houston and Austin, where staffing agencies are placing workers across high-risk industries daily, that financial hit could mean the end of your business.
The good news? Getting properly covered doesn’t have to be complicated or expensive.
Starr Insurance Agency is fully independent, which means we’re not tied to any single carrier. We shop your coverage across multiple top-rated insurance companies to find the policy that gives you the broadest protection at the most competitive price.
And because we work for you — not the insurance companies — you can trust that we’re always looking out for your best interests. We know how to read the fine print, spot the gaps, and make sure your policy actually does what you think it does when you need it most.
Coverages Your Staffing Agency Should Have
Here’s a breakdown of the key coverages that belong in every staffing services insurance program:
Workers’ Compensation Your placed workers are your employees — which means if one of them gets hurt on a client’s job site, the claim comes back to you. Workers’ comp is non-negotiable for staffing agencies and is required by law in Texas for most employers. In Houston alone, where workers are regularly placed in oil & gas, manufacturing, and logistics environments, this coverage is critical. It covers medical expenses and lost wages for injured workers while protecting your agency from direct lawsuits.
General Liability Accidents happen. If a placed worker causes property damage or injures a third party while working at a client’s location, general liability is what steps in to cover the costs. It also protects you from claims of bodily injury arising from your day-to-day business operations.
Professional Liability (Errors & Omissions) Staffing agencies make judgment calls every day — screening candidates, verifying credentials, matching skills to roles. If a client suffers a financial loss and blames it on a bad hire or a placement mistake, professional liability covers your legal defense and any damages awarded against you.
Employment Practices Liability (EPLI) Discrimination, harassment, wrongful termination — these claims are far more common in staffing than most agency owners realize. EPLI protects you when a current, former, or prospective employee files a claim against your agency related to their employment or the hiring process.
Hired & Non-Owned Auto Not every agency owns a fleet of vehicles, but that doesn’t mean you’re off the hook for auto liability. If anyone drives a personal vehicle on your agency’s behalf — running errands, visiting clients, or transporting workers across the Houston metro or Austin area — this coverage protects your business from the liability that follows.
Commercial Umbrella Some claims are just too big for a standard policy to handle. A commercial umbrella policy sits on top of your existing coverage and kicks in when a claim exceeds your underlying limits — giving your agency an extra layer of financial security when it matters most.
What Affects the Cost of Staffing Services Insurance?
Several factors come into play when insurers calculate your premium. Understanding them can help you make smarter decisions about your coverage:
Type of Staffing You Do — Placing nurses and warehouse workers carries far more risk than placing accountants or graphic designers. The industries you serve have a direct impact on your rates.
Total Payroll — Workers’ compensation and several other coverages are priced based on payroll volume and the job classifications of your workforce. The larger your payroll, the more important it is to make sure you’re classified correctly.
Loss History — Past claims are one of the biggest factors insurers look at. A strong safety record and low claims history can work significantly in your favor when negotiating rates.
Contract Language with Clients — Some client contracts include indemnification clauses that shift liability onto your agency. These need to be reviewed carefully because they can dramatically change your exposure.
States Where You Operate — Each state has its own insurance regulations and workers’ comp requirements. If you place workers across state lines, your policy needs to reflect that.
Getting Started with Starr Insurance Agency
Protecting your staffing agency shouldn’t be something you put off. The right policy today could be the difference between weathering a major claim and closing your doors tomorrow.
Whether you’re headquartered in Houston, Austin, or anywhere else across Texas, Starr Insurance Agency is ready to take a close look at your current coverage. We’ll tell you exactly where you stand, what gaps need to be filled, and how we can get you better protected — at a price that makes sense for your business.
Let’s get your agency properly protected.