Workers' Compensation
Statutory
The core staffing exposure. Written by carriers that accept temporary placement payroll and multi-state class code schedules.
Specialty Program
Insurance built for staffing and PEO operations.
Temporary staffing carries employer risk without employer control. Fortwell places comp, EPLI, and professional liability for light industrial, clerical, hospitality, and healthcare staffing firms.
Coverage for staffing firms
Comp, liability, and employment exposure in one coordinated program.
General Liability
$1M / $2M
Third-party bodily injury and property damage arising from your temporary workers at a client's site.
Employment Practices
$1M+
Wrongful termination, discrimination, harassment, and wage-and-hour defense — the fastest-growing staffing claim category.
Professional Liability
$1M / $2M
Errors in placement, credentialing, and background screening, including negligent hiring allegations from client companies.
Contractual / Alternate Employer
Endorsed
Alternate employer and waiver of subrogation endorsements your client service agreements require before a worker starts.
Crime & Fidelity
Scheduled
Third-party fidelity for theft by placed employees at client premises — commonly demanded in clerical and financial placements.
Limits and terms are tailored to each operation, contract, and state. We confirm coverage requirements before binding so certificates are accepted on day one.
Why agencies work with us
Your risk lives in the client contract.
01
Contracts reviewed before you sign
Client service agreements shift risk hard. We read the indemnity and insurance clauses and tell you what your policy actually supports.
02
Multi-state payroll handled
Placements cross state lines constantly. We keep class codes, monopolistic states, and certificates aligned so coverage never lapses mid-assignment.
03
Certificates issued same day
New client, new job site, new COI. Our service team turns staffing certificates around fast so placements start on schedule.
Claims, Risk & Advisory
We don't just place coverage — we help you use it.
Our team works beside you before, during, and after a loss. From certificate compliance to claims advocacy and contract review, we turn insurance into a practical business tool.
Claims Advocacy
When a loss happens, we manage the notice, coordinate with adjusters, and push for accurate reserves. Our goal is to protect your experience modification and keep your business running.
Learn moreRisk Management & Consulting
We review contracts, certificates, and owner-controlled insurance programs before work starts. Our consulting helps you negotiate better terms, close gaps, and reduce exposures before they become claims.
Learn moreCertificates & Compliance
Same-day certificates of insurance, additional insured endorsements, and subcontractor compliance tracking that keeps your job sites and contracts moving without delay.
Learn moreBonds
Contract, commercial, and license bonds placed with surety markets that understand contractors and growing businesses. We package financials so you can bid and bond with confidence.
Learn more