Errors and Omissions Insurance

Professional Liability Insurance for Members of the National Association of Personnel Services

The NAPS Errors and Omissions Insurance Program is designed to meet the specific needs of staffing and recruiting professionals.

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  • Program Highlights

    • A.M. Best rated A++ (Superior) – IX
    • Admitted Carrier (in most states)
    • Premiums are as low as $995
    • Deductibles starting from $1,000
    • Monthly payment options
    • Package Coverage is provided - Professional Liability plus General Liability
    • Retroactive date back to continuous date of coverage
    • Quick Quote option
    • Minimum Limits of $1M up to $5M
    • Ability to consider new ventures

    Key Reasons You May Need Professional Liability Insurance

    • Misrepresentation
      • Advising a client a certain job pays $x.xx, but really pays $y.yy. A client can sue you for the difference in lost wages.
      • If you as the staffing agency advised there is a certain incentive (sign-on bonus) for new hires at a certain company, and that company no longer offers the incentives, suit can be brought against you for misrepresentation.
    • Negligence
      • Failure to conduct a proper criminal background check. An employer can file suit if an employee you recommended is found stealing, embezzling, or conducting other fraudulent acts.
    • Failing to Check References
      • If a referred employee is incompetent at their position, and an employer finds out that the employee was not properly suited for the position, the employer can sue the staffing agency for failing to check references.
    • Failure to staff a qualified candidate
      • If an employer needs a certain season (inventory) job completed by a certain date, and the staffing agency does not refer liability employees, the employer can sue for lost revenue.