Marciala was injured while working for True Plastics. Because she was actually employed by Dynamic Staffing, Inc., she filed for and received workers compensation benefits from its carrier. Then she filed suit against True Plastics for the same injuries. True Plastics CGL carrier denied coverage because of the employer's liability exclusion. True Plastics argued that Marciala was only a temporary worker and not an employee.

Click here to see how the courts determined Marciala's employment status.

Employment agencies can provide many employment-related services to their clients. They provide three types of workers. Those who are hired full time by the client; those who are leased for an unspecified time frame; and those provided for short term or temporary assignments.

Click here to review the Producer's Commercial Lines Risk Evaluation System Narrative for Employment Agencies.

Employment agencies have unique exposures because leased and temporary employees are covered under their workers compensation policies even though these employees are working for another business. The agencies have other unique exposures due to contractual obligations and confidentiality concerns. Many carriers refuse to write them but markets are available.

Click here to review a listing of brokers and managing general agencies that are listed in The Insurance Marketplace as interested in writing this class of business.

Employment agencies might be a new niche for you to explore. Once you have researched the industry and talked with potential markets, consider soliciting local employment agencies. Business Building Letters offers three different letters you might like to use as part of a marketing campaign.

Click here to review the three letters