Express Services, Inc. Commercial Insurance Program for Franchises

Staffing Consultants Errors & Omissions

* Required prior to direct hire placements

$1,000,000 Limit. Higher limits available upon request.

Designed to protect the Staffing firm when the actions of an employee cause financial loss to others.

• Coverage for wrongful acts of the Insured and in-house staff while performing placement services for others for a fee
• Occurrence Form
• Consent of Insured required to settle
• Defense Costs in addition to the limits of liability
• Personal Injury Liability - Personal Injury is coverage afforded in the event you are accused of libel, slander or wrongful imprisonment during the conduct of your business.

General Liability

* Required

1,000,000 per occurrence/$2,000,000 aggregate
Higher limits available upon request

Coverage designed to protect the staffing firm for legal actions alleging bodily injury/property damage, and Personal & Advertising Injury.

Hired and Non-Owned Auto

* Required

$1,000,000 Combined Single Limit

Employees who cause injury or damage with their own vehicles or rented vehicles present a significant financial risk to your company. This is particularly true if personal auto insurance is inadequate, exhausted or non-existent.

Hired and non-owned Auto provides excess coverage over other auto policies and protects the insured for liability damages in the event that coverage for the automobile involved in the accident is inadequate or exhausted. Note: Hired and Non-Owned automobile does not provide coverage for injury to the insured’s employees (covered by Workers Compensation).

Employee Dishonesty

* Required

Higher Limits Available upon request

Coverage designed for the staffing firm, in the event of theft/dishonest acts on the part of an employee.

Property Coverage

* Required

100% of Value

Designed to protect the staffing firms’ investment in real property (buildings) and personal property (office furnishings, equipment including computers) and Business Income and Extra Expense (lost income due to theft or destruction of that property).

Commercial Umbrella Liability / Excess Liability

* Optional

$1,000,000 – $5,000,000 Available

Commercial Umbrella coverage extends the liability limits of your primary policies, including General Liability - (often times required by your landlord), Automobile and Employers Liability.

Our Umbrella policy has the unique capacity of extending your Errors and Omissions as well.