When staffing firms put company-owned vehicles on the road, they’re not just arranging transportation — they’re taking on rolling risk. Whether it’s a van transporting temps or a sedan used for site visits, every mile driven carries liability. In 2023 alone, transportation incidents led to 1,942 fatal occupational injuries, a stark reminder of how quickly the road can turn deadly.
That’s why owned auto liability insurance is more than a compliance requirement. It’s a key safeguard against third-party injury and property damage claims that can derail operations.
For insurance agents advising staffing clients, aligning coverage with real-world fleet use is essential to controlling costs and limiting exposure.
Match Insurance to Vehicle Use
Fleet vehicles vary widely in both function and risk. A recruiter’s compact car doesn’t face the same exposures as a 15-passenger van moving employees across town. Agents should work with clients to document how each vehicle is used, particularly if it falls outside standard passenger use.
This helps underwriters, like those at World Wide Specialty Programs, accurately classify vehicles and quote accordingly. Misclassifying high-usage or specialty vehicles can result in gaps often discovered too late.
Also, coverage depends on ownership. Only vehicles titled to the staffing firm qualify for owned auto liability insurance. Confirming this early helps avoid issues at renewal or claim time.
Explore Fleet Policy Cost Benefits
For staffing firms with five or more vehicles, fleet insurance often delivers both cost savings and operational efficiency. Instead of insuring each vehicle separately, a fleet policy consolidates coverage and simplifies administration.
Fleet policies also offer more flexibility, like allowing any licensed employee to drive any fleet vehicle. That flexibility matters in an industry with rotating drivers and dynamic schedules.
Agents should evaluate when the shift from individual to fleet coverage makes financial and logistical sense. Fleet coverage offers scalable protection for firms on a growth track.
Helping Clients Prepare for Underwriting
Solid underwriting starts with clear documentation. Agents can support clients by gathering the following details in advance.
- Driver names, license numbers, and driving records
- Vehicle locations, including garaging addresses
- Descriptions of how each vehicle is used (especially non-sedans like vans or box trucks)
- Vehicle values, if requesting physical damage coverage
Vehicles worth over $100,000 may require higher deductibles or prior approval. Similarly, fleets parked at a single location with a combined value over $500,000 could face extra underwriting scrutiny. Carriers may also request driver safety programs or employee handbooks to assess internal risk management.
World Wide’s owned auto liability insurance for the staffing industry offers more than just basic coverage. Options include medical payments, uninsured/underinsured motorist coverage, and physical damage protection for higher-value vehicles tailored to staffing operations.
Optimize Coverage, Minimize Risk
The most effective commercial auto policies are built around how a business truly operates. Staffing firms face unique challenges, including rotating drivers, mixed-use vehicles, and ever-changing job sites.
Agents who understand those realities and work with staffing-focused partners like World Wide Specialty can offer more relevant protection and greater value to their clients.
Contact us today to learn how World Wide Specialty Programs can help you deliver auto liability insurance built around the realities of staffing fleets.
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.