--- title: "Insurance for Recruiting and Staffing Businesses: A Buyer's Guide" description: "Separate recruiting advice, worker placement, screening, personnel data and client-site work before quoting or changing a staffing model." canonical: "https://thegeneralaverage.com/industries/recruiting-and-talent" page-type: "industry-guide" updated-at: "2026-09-28" industry: "recruiting-and-talent" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. 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[Human-readable page](https://thegeneralaverage.com/industries/recruiting-and-talent) ## Agent Guide **What this page is:** Buying guide to the business insurance a Recruiting And Talent business typically considers: coverage checklist, risks, provider comparison and common questions. **Use this page when:** Answer what insurance a Recruiting And Talent business needs, or route to coverage guides, providers and industry FAQs for that industry. **Questions this page answers:** - What insurance does a Recruiting And Talent business need? - Professional Liability (E&O) Insurance for Recruiting and Talent - Cyber Insurance for Recruiting and Talent - Employment Practices Liability Insurance for Recruiting and Talent - Workers’ Compensation Insurance for Recruiting and Talent - Crime Insurance for Recruiting and Talent **Key facts:** - Sections: Which Insurance Should You Consider for Recruiting and Talent?; From Spot; Describe the Recruiting Worker Model and Client Role; Separate Recruiting Screening Rules From Insurance Questions; Recheck Recruiting Coverage When Hiring or Expanding States; Which Providers Should You Compare for Recruiting and Talent?; Common Questions About Insurance for Recruiting and Talent; Verticals Related to Recruiting and Talent; Sources and Further Reading for Recruiting and Talent. - See "Sources and Further Reading" for citations. **Limits (do not over-claim):** - Lists coverage worth discussing; it does not confirm a business qualifies for or needs any policy. - Provider ordering averages Reliability Score and Review Score; scores describe the provider, not an individual policy or quote. - Legal requirements (e.g. workers' compensation, licensing) vary by state and are not decided here. **Provenance:** Cited guide; provider rows come from Spot's rating data. Last updated 2026-09-28. **Related pages:** - [Industries](https://thegeneralaverage.com/industries) — parent hub - [Reliability Score methodology](https://thegeneralaverage.com/reliability-score) — how provider scores are computed - [Editorial policy](https://thegeneralaverage.com/editorial-policy) — sourcing standards # Insurance for Recruiting and Staffing Businesses: A Buyer's Guide [B2B](https://thegeneralaverage.com/industries/b2b) A recruiting firm, staffing agency and employer-of-record operation can involve different services and worker arrangements. Describe who employs and supervises each worker, what advice or screening the firm provides, and what records or payroll data it holds before asking which forms apply. [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers), [Background Checks: What Employers Need to Know](https://www.ftc.gov/business-guidance/resources/background-checks-what-employers-need-know) ## Which Insurance Should You Consider for Recruiting and Talent? Consider professional errors and omissions (E&O), cyber liability, employment practices liability, workers’ compensation, and crime. Start with the coverages tied to your day-to-day operations, then use the situations and buying questions below to compare your options. ### [Professional Liability (E&O) Insurance for Recruiting and Talent](https://thegeneralaverage.com/coverage/professional-errors-omissions) **When it matters:** Clients rely on candidate rankings, recruiting advice, search results or placement services. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** Professional-liability wording depends on the services the form defines. Ask whether recruiting, assessment and placement activities are included. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Which recruiting, assessment, recommendation and placement services are covered, and what exclusions apply to alleged financial loss or missed requirements? [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ### [Cyber Insurance for Recruiting and Talent](https://thegeneralaverage.com/coverage/cyber) **When it matters:** The firm stores applicant identities, screening results, compensation records or client hiring files. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) **What to review:** FTC cyber guidance asks buyers to evaluate vendor-held data and first- and third-party policy issues; it does not guarantee that applicant data or a specific incident is covered. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) **Ask:** Does the form address applicant and employee data, screening vendors, incident response, defense and interruption, and what limits or exclusions apply? [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) ### [Employment Practices Liability Insurance for Recruiting and Talent](https://thegeneralaverage.com/coverage/employment-practices) **When it matters:** The company makes or advises on hiring, promotion, discipline, accommodation or termination decisions. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** NAIC identifies employment-practices liability separately from general liability and notes employee-related allegations are not addressed by standard CGL in the same way. The policy wording still controls. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Which entities, insured persons and employment decisions are within the form, and what exclusions, retentions or third-party claim terms apply? [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ### [Workers’ Compensation Insurance for Recruiting and Talent](https://thegeneralaverage.com/coverage/workers-compensation) **When it matters:** You hire employees, supply temporary workers or add workers in another state. [DWC Employer Information](https://www.dir.ca.gov/dwc/employer.htm), [DWC FAQs for Employers](https://dir.ca.gov/dwc/faqs.html), [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) **What to review:** Workers’ compensation rules depend on state and worker facts. California generally requires employer coverage even with one employee; that does not establish another state’s rule or determine worker status. [DWC Employer Information](https://www.dir.ca.gov/dwc/employer.htm), [DWC FAQs for Employers](https://dir.ca.gov/dwc/faqs.html), [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) **Ask:** Which entity employs each worker, which states and duties are listed, and where should the firm check other states’ current rules? [DWC Employer Information](https://www.dir.ca.gov/dwc/employer.htm), [DWC FAQs for Employers](https://dir.ca.gov/dwc/faqs.html), [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) ### [Crime Insurance for Recruiting and Talent](https://thegeneralaverage.com/coverage/crime) **When it matters:** Staff can access client payroll, deposits, candidate funds or payment instructions. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **What to review:** Crime forms may address employee theft. Ask separately which form, if any, applies to payment diversion, social engineering or client-fund scenarios. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) **Ask:** Ask which form, if any, addresses the exact funds, authorized users and loss scenario; what verification conditions and exclusions apply? [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ## From Spot Spot, which publishes this research, gets quotes from 50+ providers and finds the best fit for your coverage, needs, and cost. Companies save up to 40%, and we keep managing your insurance as it changes. [Book a Free Consultation](https://cal.com/team/spotinsure/insurance-consultation) ## Describe the Recruiting Worker Model and Client Role For each placement, state who hires the worker, runs payroll, assigns day-to-day tasks and controls the worksite. If temporary staff work at a host, OSHA says staffing and host employers share workplace-safety responsibilities based on the facts and control; that guidance does not assign insurance or employment status. [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) Tell the broker whether you recruit, place, supply temporary labor, administer payroll or act as employer of record. Ask which entity and services appear in each application and how the forms treat client-site work and contractual responsibilities. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm), [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) ## Separate Recruiting Screening Rules From Insurance Questions When an employer obtains a consumer report for hiring, FTC guidance describes steps such as notice, written permission and specified adverse-action procedures. This source concerns the employer using the report; it does not establish that a recruiting firm is itself a consumer reporting agency. [Background Checks: What Employers Need to Know](https://www.ftc.gov/business-guidance/resources/background-checks-what-employers-need-know) Map applicant records, screening providers, access permissions and retention practices. Give the insurer accurate details about the data and vendors, then ask how the actual cyber form handles the stated event; FTC compliance guidance does not establish insurance response. [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity), [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) ## Recheck Recruiting Coverage When Hiring or Expanding States Before hiring or assigning work in California, confirm the current rule with California DWC. DWC generally says California employers need workers’ compensation even with one employee; check each other state with its own regulator rather than carrying that rule across state lines. [DWC Employer Information](https://www.dir.ca.gov/dwc/employer.htm), [DWC FAQs for Employers](https://dir.ca.gov/dwc/faqs.html) A new service such as assessments, hiring recommendations or employer-of-record administration may change the work described to the insurer. Ask the broker to compare the service description with professional-liability and employment-practices forms rather than relying on line names. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) ## Which Providers Should You Compare for Recruiting and Talent? These providers document the coverage listed below. Providers are ordered by the average of their Reliability Score and Review Score, weighted equally. This is not confirmation that your business qualifies. Scores describe the provider, not an individual policy. ### Professional Liability (E&O) Insurance Providers #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Professional Liability Insurance | Talk To biBerk](https://www.biberk.com/small-business-insurance/professional-liability-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions](https://www.cna.com/products/cyber) · [Epack 3 – Cyber, Media, Technology & Professional Liability](https://www.cna.com/sites/default/files/assets/epack-3-cyber-media-technology-professional-liability-ss.pdf?ContentCache=NONE&MOD=AJPERES) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Professional Liability (E&O)](https://www.foxquilt.com/businesscoverage/professional-liability.html) [+46 more Professional errors and omissions (E&O) providers](https://thegeneralaverage.com/coverage/professional-errors-omissions#documented-providers) ### Cyber Insurance Providers for Recruiting and Talent #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Cyber Insurance & Data Breach Coverage for Business | biBerk](https://www.biberk.com/small-business-insurance/cyber-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Cyber Insurance - Cyber Risk Solutions | CNA Insurance](https://www.cna.com/products/cyber) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Cyber Business Insurance](https://www.foxquilt.com/businesscoverage/cyber-insurance.html) [+47 more Cyber liability providers](https://thegeneralaverage.com/coverage/cyber#documented-providers) ### Employment Practices Liability Insurance Providers #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Employment Practices Liability | CNA](https://www.cna.com/sites/default/files/assets/0bd3b7da-eb28-4142-aa13-d068f35e7a05/cna-employment-practices-liability.pdf?ContentCache=NONE&MOD=AJPERES) #### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) **Reliability Score** Broker Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) **Review Score** 8.2 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html) #### [Coalition](https://thegeneralaverage.com/insurance-providers/coalition) **Reliability Score** Broker Reliability Score: 6.1 / 10 (75% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/coalition/reliability) Carrier & MGA Reliability Score: 6.3 / 10 (80% of rubric assessed). Assessed 2026-09-23. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/coalition/reliability) **Review Score** 10.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/coalition/reviews) [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance) · [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer) [+35 more Employment practices liability providers](https://thegeneralaverage.com/coverage/employment-practices#documented-providers) ### Workers’ Compensation Insurance Providers for Recruiting and Talent #### [biBerk](https://thegeneralaverage.com/insurance-providers/biberk) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/biberk/reliability) **Review Score** 9.0 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/biberk/reviews) [Workers’ Compensation Insurance From biBerk | Get A Quote](https://www.biberk.com/small-business-insurance/workers-compensation-insurance) · [biBerk Insurance Review 2026: Berkshire Hathaway’s Basic Online Storefront | NerdWallet](https://www.nerdwallet.com/business/insurance/learn/biberk-insurance) #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Workers’ Compensation Insurance | CNA Insurance](https://www.cna.com/products/workers-compensation) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Workers’ Compensation Insurance](https://www.foxquilt.com/businesscoverage/workers-compensation.html) [+38 more Workers’ compensation providers](https://thegeneralaverage.com/coverage/workers-compensation#documented-providers) ### Crime Insurance Providers for Recruiting and Talent #### [CNA](https://thegeneralaverage.com/insurance-providers/cna) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/cna/reliability) **Review Score** 9.0 / 10 (1 rated source). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/cna/reviews) [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-liability) #### [Foxquilt](https://thegeneralaverage.com/insurance-providers/foxquilt) **Reliability Score** Carrier & MGA Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/foxquilt/reliability) **Review Score** 8.9 / 10 (3 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/foxquilt/reviews) [Smarter Crime Insurance](https://www.foxquilt.com/businesscoverage/crime.html) #### [Marsh McLennan Agency](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency) **Reliability Score** Broker Reliability Score: - / 10 (Assessment status unavailable). Assessed 2026-09-29. [Assessment Scope](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reliability) **Review Score** 8.2 / 10 (2 rated sources). [Review Sources and Method](https://thegeneralaverage.com/insurance-providers/marsh-mclennan-agency/reviews) [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html) [+34 more Crime providers](https://thegeneralaverage.com/coverage/crime#documented-providers) Review Scores average eligible source ratings, including approximate BBB grade conversions; they are not pooled customer ratings. [How Reliability Scores Work](https://thegeneralaverage.com/reliability-score). ## Common Questions About Insurance for Recruiting and Talent ### Who handles workplace safety when a business places a temporary worker? OSHA says the staffing agency and host employer share responsibility for temporary-worker safety, with duties depending on the facts and who controls hazards. This is workplace-safety guidance, not an insurance allocation. [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) [Read the full answer](https://thegeneralaverage.com/industries/recruiting-and-talent/who-handles-temp-worker-safety) ### Does a recruiting firm have the same background-check duties as an employer buying a report? The FTC page reviewed here describes the employer’s steps when it obtains a consumer report for employment purposes. It does not establish the duties of a recruiting business that assembles or supplies reports. [Background Checks: What Employers Need to Know](https://www.ftc.gov/business-guidance/resources/background-checks-what-employers-need-know) [Read the full answer](https://thegeneralaverage.com/industries/recruiting-and-talent/does-screening-company-follow-ftc-employer-steps) ## Verticals Related to Recruiting and Talent - [Analytics](https://thegeneralaverage.com/industries/analytics): Coverage questions for analytics consultancies and data products when customers rely on recommendations, integrations, or hosted reporting. - [Engineering, Product and Design](https://thegeneralaverage.com/industries/engineering-product-design): How to revisit insurance when design work becomes a prototype, customer pilot, or product shipped to users. - [Finance and Accounting](https://thegeneralaverage.com/industries/finance-and-accounting): Quote questions for bookkeeping, accounting, tax, finance, and payment operations as client responsibility and data access grow. - [Human Resources](https://thegeneralaverage.com/industries/human-resources): Compare insurance questions when you hire your own team or sell recruiting, payroll, benefits, or HR services to clients. - [Infrastructure](https://thegeneralaverage.com/industries/infrastructure): Questions for cloud, developer-platform, data-center, and other infrastructure companies before production workloads or customer dependencies grow. - [Legal](https://thegeneralaverage.com/industries/legal): Separate law-practice services, legal technology, client funds, and workforce decisions before buying or expanding a legal business. - [Marketing](https://thegeneralaverage.com/industries/marketing): Compare insurance questions for agencies, media buyers, brand studios, and marketing software before signing client terms or launching campaigns. - [Office Management](https://thegeneralaverage.com/industries/office-management): Compare office liability, property, equipment and shutdown questions before signing a lease or moving into a customer-facing space. - [Operations](https://thegeneralaverage.com/industries/operations): Use site, process, staffing and equipment changes to decide what to tell a broker before operations expand. - [Productivity Software](https://thegeneralaverage.com/industries/productivity): Map customer reliance, account access, stored work and integrations to the policy questions raised during an enterprise pilot or renewal. - [Retail](https://thegeneralaverage.com/industries/retail): Compare storefront, product, inventory, ecommerce, and workforce questions for retail businesses. - [Sales](https://thegeneralaverage.com/industries/sales): Translate advice, customer visits, business travel, CRM access and payment authority into clear quote questions. - [Security Services](https://thegeneralaverage.com/industries/security): Separate guarding, installation, monitoring and cybersecurity services so the insurer can assess the work and customer access actually involved. - [Supply Chain and Logistics](https://thegeneralaverage.com/industries/supply-chain-and-logistics): Map goods custody, sites, vehicles, equipment and critical dependencies before taking on warehousing, delivery or freight commitments. ## Sources and Further Reading for Recruiting and Talent - [Protecting Temporary Workers](https://www.osha.gov/temporaryworkers) — Occupational Safety and Health Administration. Staffing agency and host employer safety coordination; duties depend on facts and control. This is not insurance allocation. OSHA guidance on staffing-agency and host-site safety coordination. - [Background Checks: What Employers Need to Know](https://www.ftc.gov/business-guidance/resources/background-checks-what-employers-need-know) — Federal Trade Commission; joint guidance with the Equal Employment Opportunity Commission. Employer/user responsibilities when obtaining employment information from a consumer reporting company, including notice, permission, certification and adverse-action steps. FTC/EEOC employer-facing guidance on using consumer reports in hiring. - [Cybersecurity for Small Business](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity) — Federal Trade Commission. Supplier risk, response planning and cyber-insurance buyer questions. Educational guidance, not policy wording. FTC cybersecurity guidance for vendor and data-risk questions. - [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance) — Federal Trade Commission (content developed with NAIC and federal partners). First-party coverage, lines 46–77; third-party coverage, lines 78–102. Examples are not a promise for any policy. - [Small Business Insurance](https://content.naic.org/consumer/small-business.htm) — 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. - [DWC Employer Information](https://www.dir.ca.gov/dwc/employer.htm) — California Department of Industrial Relations, Division of Workers’ Compensation. California employer workers compensation information; California-specific, including stated out-of-state employer examples. - [DWC FAQs for Employers](https://dir.ca.gov/dwc/faqs.html) — 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. 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](https://thegeneralaverage.com/editorial-policy). ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/industries/recruiting-and-talent.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)