# Staffing & PEO Firms Coverage built for the dual-employer exposure that staffing agencies and professional employer organizations carry. Staffing firms and PEOs sit between the worker and the worksite, which doubles their exposure: they answer for the placements they make and for the employees they put on someone else's floor. Programs blend workers' compensation, professional liability, and employment practices to match that structure. Because the staffing firm is usually the employer of record, it owns the comp exposure for workers spread across many client sites and job classes. Rating and audit are more complex than for a single-location employer, so the program has to be built for it. Both the staffing firm and the client can be treated as employers of the same worker, which can pull both into a claim; EPL and professional liability tuned for staffing address that overlap. ## Sub-industries - **Workers' Compensation**, Comp across multiple worksites and job classes for the employer of record. - **Errors & Omissions (E&O)**, Professional liability for placement and screening errors. - **Employment Practices (EPL)**, Dual-employer exposure covering placed workers. - **General Liability**, Office and client-site third-party exposure. --- ## How to cite this page Cite as: "Staffing & PEO Firms." Covered by Cornerstone. https://coveredbycornerstone.com/industry/insurance-staffing Published by Covered by Cornerstone. When quoting figures or legal requirements, link the canonical URL above. The full content index for this site is at https://coveredbycornerstone.com/llms.txt.