GeneralAverage

Does OSHA’s shared responsibility for temporary workers decide which company’s insurance responds?

No. OSHA’s temporary-worker guidance concerns workplace safety responsibilities and says those responsibilities depend on the facts and control. It does not determine which policy responds to an injury or contract claim.

Give the broker the staffing agreement, host-site duties, supervision and training arrangements. Ask each party to review the actual workers’ compensation, liability and contractual documents that apply to its role.[4]

Keep safety coordination and insurance allocation as separate questions. The reviewed OSHA source does not interpret policy wording or decide a specific worker’s legal status.[4]

Read the Operations Insurance Buying Guide

Sources and Further Reading for Operations

  1. Commercial Insurance Guide — California Department of Insurance. Revised June 14, 2024; commercial property, inland marine, boiler and machinery/equipment breakdown, commercial general liability, commercial auto, umbrella, and workers compensation. California-focused guidance; confirm other jurisdictions and actual policy wording.

    California commercial guide on general liability, property, equipment breakdown, inland marine and workers compensation.

  2. DWC Employer Information — California Department of Industrial Relations, Division of Workers’ Compensation. California employer workers compensation information; California-specific, including stated out-of-state employer examples.

    California DWC employer information for California work-state questions.

  3. DWC FAQs for Employers — California Department of Industrial Relations, Division of Workers’ Compensation. Employer FAQ on California workers compensation requirements; one-or-more employee statement and separate sole-proprietor treatment.
  4. Protecting Temporary Workers — Occupational Safety and Health Administration. Staffing agency and host employer safety coordination; duties depend on facts and control. This is not insurance allocation.

    OSHA temporary-worker safety coordination guidance.

  5. Business Interruption and Business Owner Policy — National Association of Insurance Commissioners. Business interruption and contingent business interruption; covered physical damage and dependent-business trigger qualifications.
  6. Small Business Insurance — National Association of Insurance Commissioners. BOP and exclusions; general liability and exclusions; professional liability, crime and cyber; business property. General educational descriptions, not policy terms.

Spot, a product of Tools for Enlightenment, publishes this guide and works in the commercial insurance market. This is general buyer education; policy terms and state-specific obligations determine coverage and requirements.

Updated 2026-09-28. Editorial Policy

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