Commercial Division
Temp Staffing
Staffing, PEO and employment-driven exposures
Agents must be appointed with INVO to receive commission on submitted or bound accounts.
What we write for staffing firms
Appetite at a glance
- Temporary and temp-to-hire staffing agencies
- Clerical, light industrial, hospitality and healthcare placements
- Workers' compensation, GL and professional for staffing operations
- Multi-state payroll with a single program structure
- PEO and employment-driven exposures including EPLI
Products
What we write in this division
Choose the tile that best fits the account. Each product lists the coverages available and exactly what to attach so we can quote on the first pass. If nothing fits, use the general submission tile and our team will route it.
Primary
Staffing Workers' Compensation
Comp for temporary staffing agencies, by state and class code.
- Workers' Compensation
Eligibility highlights
- Temporary and temp-to-hire staffing
- Payroll by class code and state required
- Client contracts and safety program reviewed
Send with the submission
- Appropriate ACORD Application
- INVO temp staffing supplemental
- Payroll by state and class code
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Primary
General & Professional Liability
GL and PL for staffing operations, including placed-employee exposure.
- General Liability
- Professional Liability
Eligibility highlights
- Staffing GL with professional exposure
- Placement types and industries served required
Send with the submission
- INVO staffing GL/PL supplemental
- Copy of the client service contract
- Hired and non-owned auto detail if applicable
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Catch-All
Temp Staffing General Submission
Any staffing exposure that doesn't fit a specific product.
Send with the submission
- Appropriate ACORD Application
- Loss runs up to 5 years, if possible, or no-loss letter
- Description of staffing operations
Response time: 1 business day
Ancillary
EPLI
Employment practices liability for staffing firms and their clients.
- EPLI
Send with the submission
- INVO EPLI supplemental
- Wage & hour worksheet
- Loss runs up to 5 years, if possible, or no-loss letter
- Prior declarations page when available
Response time: 1 business day
Cyber
Cyber Liability
Cyber and privacy cover for agencies holding employee data.
- Cyber
Send with the submission
- INVO cyber supplemental
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Ancillary
Crime
Employee dishonesty and third-party crime for placed employees.
- Crime
Send with the submission
- INVO crime supplemental
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
Ancillary
Excess Liability
Excess limits over staffing GL, auto and employers liability.
- Excess Liability
Send with the submission
- INVO excess supplemental
- Underlying schedule of coverage and limits
- Loss runs up to 5 years, if possible, or no-loss letter
Response time: 1 business day
The market in your state
Employment services in Tennessee, by the numbers
Public U.S. Census Bureau counts for NAICS 5613, the industry this division writes most. Use them to size the opportunity before you prospect, then search INVO's appetite for the class.
- Establishments
- 1,096
- Employees
- 67,385
- Annual payroll
- $2.5 billion
- Counties with activity
- 43
Largest counties by establishments: Davidson (220 establishments, 9,744 employees); Shelby (217 establishments, 12,802 employees); Knox (108 establishments, 7,353 employees).
Source: U.S. Census Bureau, County Business Patterns 2021, retrieved 2026-10-05 from api.census.gov. Payroll is the Census annual payroll figure for the year shown; it is not a premium estimate.
Search Tennessee markets for staffingQuestions
Temp Staffing FAQ
The questions agents ask most before sending an account.
Still unsure? Ask an underwriter.
Other divisions
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Each division owns its classes end to end.
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Explore divisionWorkers’ Comp
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Explore divisionCommercial Specialty
Specialty casualty markets
Explore division- You're here
Temp Staffing
Staffing, PEO, WC, and liability
