Target Capital: Staffing & Recruitment Professionals

Accountants
Architects & Engineers
Home Inspectors
Lawyers
Lawyers E&S
Miscellaneous E & O
Package for Professionals
PEOs / ASOs
Staffing E&O/EPLI
Staffing Package Coverage
Tax Preparers

Target Insurance Services' liability insurance program for temporary and permanent staffing organizations, and executive recruitment firms, is a comprehensive insurance and loss-control program designed to protect professionals who make daily business decisions concerning their firms.

Although staffing professionals regularly pre-screen applicants and perform background and reference checks, they are not immune to lawsuits. Permanent and temporary staffing professionals can be sued for the poor performance of an employee, or even by an employee for sending him or her to an undesirable company for a permanent or temporary position.

In addition to liability and crime insurance, Target also offers a Package Program for Staffing Firms.

Target's Staffing & Recruitment Firms Program offers the following lines of coverage:

Errors and Omissions (E&O) Liability Insurance with optional Employment Practices Liability Insurance (EPLI) and built-in personal injury (PI) coverage

Key coverage features and highlights include:

Duty-to-defend policy
A clear definition of EPLI, harassment, discrimination, and wrongful termination
Personal injury coverage for emotional distress and mental anguish
Coverage for professionals, such as architects and engineers
Independent contractors placement coverage

Stand-alone 1st and/or 3rd Party Crime Coverage

Key features and highlights of Crime Coverage include:

1st Party Coverage (for crimes committed by the firm's in-house employees), and / or 3rd Party Coverage (for the temps sent to clients) can be purchased on a stand-alone basis
3rd Party Coverage can be written with limits that vary per client contract
Allowable Loss Payable Provisions are especially valuable to staffing-firm clients
Companies of all sizes are eligible
No minimum premium
Coverage includes: Employee Dishonesty, Forgery, Money & Securities (Inside & Outside), Other Property (Inside & Outside), and Computer Fraud (with Electronic Funds Transfer).

Separate limits for E & O and EPLI up to $5 million

1st Party Crime: Up to $5 million

3rd Party Stand-alone Crime: Up to 3 million

E&O/EPLI/PI and Crime coverage are underwritten through various carriers, all rated A or A+ by A.M. Best.

Completed applications with appropriate attachments
Submissions may be faxed to (860) 679-9391

Click here to download the most recent forms and applications for E&O, EPLI or PI.

Click here to download the most recent forms and applications for Crime.

If you have any questions regarding the Staffing Firms Program, please contact the program manager:

Desiree Scrimger, dscrimger@target-capital.com , (888) 888.1613 ext.353 Fax: (860) 679.9391
Mailing information: 35 Tower Lane, Avon, CT 06001