Frequently Asked Questions.
Is the client buying a policy?
No. They are subscribing to a staffing service which will give them access to the assigned staffing company’s policy. There is no insurable interest unless the employee is reporting wages under the FEIN # of the staffing company.
Will the staffing company clients find employees?
Most clients want to find their own employees; however, the answer is yes. The staffing company will charge a fee to help clients find support staff for temporary projects or the client may identify staff, get the proper forms for employment completed and the staffing company will pay the wages and provide benefits.
What are the program limits?
They may vary from State to State but generally,
- Each Accident $1,000,000 Disease Each Employee $1,000,000 Disease Policy Limit $1,000,000
Is it cheaper for lower limits?
No. We had lower limits, then raised them and did not change the pricing. Making changes to the policy impacts all of the client subscribers. Remember, the policy is in the name of the staffing company.
What if they need actual coverage?
The purpose of this program is to allow smaller employers to bid on jobs etc and show evidence that they have secured a program for providing hired labor with required benefits as extended by the staffing company. Coverage is only extended to employees of the staffing company, its affiliates or assigns. Employees must be added to the staffing program prior to beginning work.
Do clients have to come into a broker's office to register?
What if the client doesn’t have a computer?
Can they register now and pay later?
How does a broker know that the client signed up?
Can a client cancel easily?
Is there another way to pay besides PayPal?
Can the client write a check?
What if the client doesn’t have a bank account?
Can the agent broker use their PayPal account?
What happens if a payment doesn’t go through?
How can clients request a certificate/certificate holder to be named?
How fast are Certificates issued?
Allow for a full business day or 24 hours. But typically, this is done much sooner.
How can clients report a claim?
This can be found in the StaffPro Plus portal. You must report all claims under the “report a loss” tab. The first step in the process is to confirm that the injured worker is an active employee of the staffing company. If a client is not reporting wages or paying subcontractors who do not carry their own policy, the client will be responsible for any claims.
What about other coverage such as general liability and commercial property?
Can I have someone named as an additional insured?
Will this suit what my contractor or risk manager needs?
About the StaffPro Plus Program
There are a large number of small contractors and/or sub-contractors who do not have any employees and who do not want to pay higher premiums for coverage on themselves. Participating clients will receive certificates of insurance; however, only employees who are actively processing payroll on the approved payroll platform will be covered under the policy. The named insured is not the client. There is no coverage for contingent liability from subcontractors. If a client hires labor, they must add the employee to the staffing program.
These programs are administered, serviced and coverage is secured through Syndicated Insurance Resources, Inc. Syndicated Insurance Resources, Inc. is acting as the agent to secure coverage for THE COMPANY. Any discussions related to coverage are at a summary level and will not supersede the terms of the policy, contract or service agreements. Please refer to the actual policies quoted, service agreements and legal contracts for specific terms, conditions, limitations, and exclusions that will govern in the event of a loss. National Producer # 16294105 CA License #OH38583
For Florida only, Syndicated Resource Holdings Group, Inc dba Syndicated Insurance Agency of Florida – Syndicated Resource Group Holdings, Inc. L091318