Staffing Umbrella Liability Insurance

In today’s litigious environment and with the high cost of liability claims, it’s only prudent that staffing firms carry Umbrella Liability insurance. An Umbrella policy contains additional coverages and additional limits of liability over the underlying policies. Many clients in fact require that staffing firm carry higher liability limits and staffing firm risk managers will request such coverage for adequate protection.

World Wide’s Umbrella Liability Insurance for Staffing Industry

Our Umbrella Liability policy provides increased coverages and limits of liability over scheduled underlying policies including Professional Liability (PL), General Liability (GL), Commercial Automobile Liability, Employee Benefits Liability (EBL) and Employers Liability (EL) without an SIR in most states.

Casualty Business Crisis Expense coverage is included at no additional charge. Casualty Business Crisis Expense Covers:

  • First dollar –no underlying coverage
  • Specified limit in addition to other Umbrella limits.
  • Coverage includes:
    • Manmade disasters
    • Multiple deaths/injuries
    • Major crashes
    • Burns
    • Dismemberment
    • Traumatic brain injury
    • Paraplegia
    • Contamination of food, drink, and pharmaceuticals

Umbrella Liability Highlights:

  • Mental anguish is not excluded from the definition of bodily injury
  • Occurrence coverage provided over Commercial Auto, GL, PL, EB, and EL
  • No SIR
  • Follow Form of the underlying Professional Liability policy
  • Coverage for exposures NOT covered by the underlying
  • Casualty Business Crisis Expense – first-dollar coverage

Submission Requirements:

  • ACORD Form Application
  • Currently Valued – 3 Years’ Carrier Loss Runs
  • Copy of Employee Manual or Employee Handbook