Staffing firms rely on both fixed offices and mobile assets to keep operations moving. Computers, servers, and office furniture sit across multiple locations. Laptops, tablets, and mobile devices move daily between branches and job sites.
That constant movement creates risk. Standard property policies focus on fixed locations, and assets often lose protection once they leave the office. For these reasons, property and inland marine insurance play a critical role for staffing firms. Together, these coverages protect assets from fire, theft, vandalism, and off-site losses. They also help reduce operational downtime after a loss. But what does inland marine insurance cover, and where does property coverage stop?
Understanding Property Coverage for Staffing Firms
Property insurance protects assets that remain at insured office locations. For staffing firms, equipment often includes desks, computers, printers, servers, and networking equipment. Supplies and business materials stored on site also fall under this coverage.
Claims can include fire or smoke damage, theft after hours, and vandalism. Even a small incident can disrupt recruiting, onboarding, payroll, and placement activity. When core office tools cannot be replaced quickly, staffing operations slow down.
Furthermore, if office contents are insured below their replacement cost, claims may not cover what the firm needs to get back to work. Delays in replacing technology and equipment can extend downtime well beyond the physical repair period.
When reviewing property coverage for staffing clients, agents should confirm:
- All staffed office locations appear on the policy.
- Equipment and contents values reflect what it would cost to replace them today.
- The policy accounts for business functions that rely on physical office access.
This review helps prevent coverage shortfalls and uncovers gaps that can delay recovery after a loss.
Where Inland Marine Fills the Gaps for Mobile Staffing Assets
Staffing firms regularly move equipment off premises. Recruiters carry laptops and tablets, while on-site supervisors rely on mobile Wi-Fi and communication tools. Job fairs often use temporary office setups.
Inland marine insurance covers property that moves, travels, or sits temporarily at client locations. It applies to assets in transit and equipment used off site — items that often fall outside standard property policies.
Eligibility depends on mobility and exposure, not just asset type. Portable electronics, mobile office equipment, and certain rented tools often qualify.
Coordinating Property & Inland Marine Insurance for Staffing Operations
Property and inland marine coverage work best when structured together. Property insurance protects stationary assets at insured locations, while inland marine coverage protects those assets once they leave the premises.
Agents may recommend scheduled equipment or inland floaters for frequently moved items. Higher-value assets may require specific endorsements.
These decisions directly affect how carriers evaluate risk. Underwriters review staffing property and inland marine insurance submissions with a close eye on asset values, movement patterns, loss history, and the number of office locations involved.
Helping Staffing Clients Secure Comprehensive Asset Protection
Property and inland marine coverage together form a complete asset protection strategy. This approach fits staffing firms with multi-location and mobile operations. Agents play a key role in evaluating asset movement, values, and income exposure.
World Wide Specialty Programs offers staffing property and inland marine insurance as part of a staffing-specific program. Coverage is written alongside liability and includes access to business income and extra expense options. Get in touch with us to align submissions and secure coverage that reflects how staffing firms actually operate.
FAQ About Property and Inland Marine Insurance
What is inland marine insurance used for?
It protects mobile property, equipment in transit, and assets stored temporarily off site. Staffing firms often use it for laptops and mobile office equipment.
Which types of property are eligible for inland marine coverage for staffing firms?
Eligibility depends on portability and off-site use. Common examples include electronics, pop-up office equipment, and rented tools under staffing control.
What are the exclusions for inland marine insurance?
Exclusions often include wear and tear, mechanical breakdown, inventory shortages, and intentional damage. Terms vary by carrier and floater type.
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.