Staffing firms don’t just move people; they also move assets. From laptops and mobile devices to temporary office furnishings and recruiting equipment, staffing firms rely on property that doesn’t always stay in one place. Thus, protecting these assets with property and inland marine insurance is essential. For insurance agents serving staffing clients, recommending this coverage is key to staying ahead of mobile, modern-day exposures.
What Is Property & Inland Marine Insurance?
Property insurance typically covers fixed-location assets like owned buildings or office contents from perils such as fire, theft, vandalism, and certain weather events. By contrast, inland marine insurance covers items on the move or stored off-site. Often added by endorsement or floater, it extends coverage to equipment in transit or temporarily located at client sites or events.
This distinction matters for staffing firms, which routinely operate across multiple locations and rely on mobile tools. Standard property policies may limit off-premises coverage, making inland marine protection a practical necessity.
Why Inland Marine Coverage Is Vital for the Staffing Industry
Staffing firms face risks that extend well beyond their main offices. Laptops assigned to remote recruiters, tablets used at hiring events, and office equipment deployed at client sites are all susceptible to loss, theft, or damage. These mobile assets can be difficult to track and often fall outside the protection of standard commercial property policies. Without inland marine insurance, staffing firms may face out-of-pocket losses when equipment goes missing or is damaged in the field.
The financial hit from a single incident can be substantial. But the greater cost often lies in delayed service, lost revenue, and strained client relationships. The right coverage for staffing industry firms helps avoid that spiral, supporting faster recovery and minimal disruption.
Evaluating Asset and Business Risks
Coverage starts with understanding what’s on the line. Insurance agents can help clients identify their highest-value assets, including electronics, furnishings, rented space, and even owned buildings.
Equally important is evaluating business income exposure. If a fire, theft, or vandalism event halts operations, business income and extra expense coverage helps firms stay afloat during downtime. Accurately assessing the indemnity period (i.e., the maximum duration for which business income benefits apply) ensures the policy reflects realistic recovery needs.
World Wide Specialty supports agents in this process, helping tailor property and inland marine coverage to actual staffing firm conditions, not just policy minimums.
Securing Smart Coverage With World Wide Specialty Programs
With World Wide Specialty Programs, agents can place property and inland marine coverage alongside liability insurance. Doing so simplifies protection and ensures continuity across policies. Our team understands the fast pace and multi-site nature of staffing work and underwrites accordingly.
To streamline submissions, agents should prepare an ACORD application, three years of carrier loss runs, and property details, including construction type and protection class. Coverage is available for office property, business income, and extra expense, but it’s only written in conjunction with liability policies, so everything stays integrated.
Coverage That Secures Staffing Operations
Staffing firms need insurance that moves with them, from mobile assets to remote operations to ongoing revenue. Property and inland marine insurance offers that flexibility, protecting equipment and ensuring business continuity.
Agents who work with a staffing-focused wholesaler like World Wide Specialty Programs gain access to policies built around the industry’s unique needs, from asset valuation to real-world business interruption planning.
Contact us today to learn how property and inland marine coverage for staffing industry clients can support business resilience and secure high-value supplies across every location.
About World Wide Specialty Programs
For the last 50 years, World Wide Specialty Programs has dedicated itself to providing the optimal products and solutions for the staffing industry. As the only insurance firm to be an ASA commercial liability partner, we are committed to that partnership and are committed to using our knowledge of the industry to provide staffing firms with the best possible coverage. For more information about Staffing Professional Liability Insurance or any other coverage we have available to protect your staffing business, give us a call at (877) 256-0468 to speak with one of our representatives.