Licensed in all 50 States | 20+ Years Manufacturing Expertise | Certified Specialists
Protect Your Manufacturing Facility From Temp Worker and Staffing Agency Liability Claims
Manufacturing facilities using temporary workers face unique employment liability risks. Third-party employment practices liability insurance (third-party EPLI) protects manufacturers from discrimination, harassment, and wrongful termination claims filed by non-employees working in your facility.
These workers aren’t on your payroll, but they can still sue you. Without this specialized coverage, your business remains exposed to costly litigation from staffing agency workers—even though you don’t directly employ them.
Manufacturing Insurance Group delivers tailored third-party employment practices liability coverage designed specifically for manufacturers managing temporary staffing relationships. We understand the complex liability issues created by temp workers, contract employees, and joint employer regulations. For over 20 years, we’ve protected manufacturing facilities just like yours.
Understanding Joint Employer Liability
Click a scenario to see how liability flows to BOTH your facility and the staffing agency
Our manufacturing insurance specialists help you understand which coverage protects your specific risks.
Your Production Floor, Your Liability—Even for Workers You Don't Directly Employ
Most manufacturers don’t see it coming.
72% of manufacturing facilities use temporary workers to manage production demands. They handle seasonal peaks. They cover absent employees. They fill critical production roles during busy periods when your regular staff can’t keep up. But here’s what catches manufacturers off guard: these temp workers can file discrimination and harassment claims against you. Your standard employment practices liability insurance won’t respond. The staffing agency points at you. You’re exposed. Completely vulnerable.
Manufacturing Insurance Group’s third-party EPLI coverage closes this gap. It protects your manufacturing business from employment claims by non-employees. It keeps you focused on what matters—production, not litigation.
The Coverage Gap in Standard Manufacturing Insurance Policies
Your existing insurance has holes.
Big ones.
Your commercial general liability policy won’t help. It covers property damage and bodily injury—not employment practices violations. Discrimination claims? Excluded. Harassment allegations? Not covered. You’re on your own if a temp worker files a complaint about workplace treatment.
Workers compensation won’t save you either. It handles workplace injuries and illnesses, but employment liability claims fall completely outside its scope. Wrongful termination? You’re on your own. Harassment? Pay out of pocket. Retaliation claims? Not covered by workers comp.
Here’s the kicker: even your standard EPLI only protects you from your own employees. When a staffing agency worker files a complaint, that policy doesn’t respond. You’re left holding the bag. Alone. Exposed.
The costs are staggering.
Manufacturers face $75,000 average settlement costs for employment practices claims that go to court. Lose the case? Court judgments average $217,000 per claim. One harassment allegation from a temp worker on your production floor can devastate your finances. One claim. One lawsuit. One judgment. Years of profits gone in an instant.
Third-party employment practices liability insurance fills the gap. It protects you from discrimination claims. It covers harassment allegations. It defends wrongful termination suits. All filed by workers you don’t directly employ—temp workers, staffing agency employees, contractors working in your manufacturing facility.
Joint Employer Liability and Third-Party EPLI for Manufacturing Staffing
The employment law landscape keeps changing.
Manufacturers using temporary staffing face new risks every year.
In October 2023, the NLRB issued new joint employer rules. They dramatically expanded manufacturer liability for staffing agency workers. Courts vacated that specific rule in March 2024, but the uncertainty remains. The threat persists. Manufacturers using temporary staffing stay vulnerable to employment practices liability.
Joint employer status means shared liability. You and the staffing agency can both be held responsible for employment violations. Temp workers claim discrimination in shift assignments? Both liable. Harassment by your supervisors? Shared responsibility. Wrongful termination from your facility? You’re both on the hook for damages.
The question isn’t about hiring and firing—staffing agencies handle that. The issue is control. Working conditions. Supervision. Workplace environment. On your production floor, you control all of it.
Your shift supervisor directs temp workers. Assigns their tasks. Addresses their performance issues. That’s workplace control. That control creates liability exposure for employment practices violations. Standard policies don’t address it. Third-party employment practices liability insurance does.
What Third-Party Employment Practices Liability Insurance Protects
Third-party employment practices liability insurance covers claims from non-employees in your manufacturing facility.
Discrimination claims – Temp workers allege unfair treatment based on race, age, gender, religion, or disability. Discriminatory shift assignments. Unequal treatment on production lines. Biased task distribution. All covered under your third-party EPLI policy.
Sexual harassment allegations – Your supervisors create a hostile work environment for staffing agency workers. One inappropriate comment can trigger expensive employment litigation. One joke. One gesture. One comment at the wrong time. Thousands in legal fees follow. Third-party employment practices liability coverage responds.
Wrongful termination claims – Temp workers claim illegal removal from your manufacturing facility. The staffing agency technically employs them, but you made the call to remove them from your floor. You face the lawsuit. Your third-party EPLI policy provides defense.
Wage-and-hour defense – Claims about unpaid overtime. Meal break violations. Compensation disputes involving temp workers. The policy responds to these employment practices allegations from staffing agency workers.
Retaliation claims – Temp workers report safety concerns, discrimination, or protected activities. They face negative consequences after speaking up. They sue. You’re covered under third-party employment practices liability insurance.
The policy covers legal defense from dollar one. Attorney fees. Court costs. Expert witnesses. Settlement negotiations. All included in your coverage. Settle or lose? It covers judgments and settlements up to your policy limits.
Real scenario: A temp worker claims your production supervisor made inappropriate comments. He gave her the worst shifts after she complained. Your staffing agency says you’re responsible—your supervisor created the hostile environment. Without third-party EPLI? You pay defense costs out of pocket. Every dollar. Every expense. Every expert witness fee. With third-party employment practices liability coverage? The policy handles everything.
Manufacturing-Specific Third-Party EPLI From Insurance Specialists
Generic EPLI carriers don’t understand manufacturing.
They don’t know first-shift versus third-shift dynamics. They’ve never managed production floor supervision. They don’t grasp temp worker integration challenges in fast-paced manufacturing environments where timing and efficiency matter every single day.
Manufacturing Insurance Group is different. We bring over 20 years of manufacturing insurance expertise to every third-party employment practices liability policy. We understand your production environment because we’ve protected hundreds of manufacturers. We’ve seen your exact challenges with temporary staffing. We know the daily pressures you face managing mixed workforces of permanent employees and temp workers.
Our third-party EPLI integrates seamlessly with your existing manufacturing insurance coverage. No gaps. No overlaps. No confusion about which policy responds when employment claims arise. Simple. Clear. Comprehensive protection that works when you need it most.
We work with small and medium manufacturers who need accessible, affordable third-party employment practices liability protection. You get precision coverage tailored to your facility size, temp worker usage, and specific liability exposure. Not one-size-fits-all corporate policies. Not Fortune 500 solutions you can’t afford. Real protection for real manufacturers using staffing agencies to meet production demands.
When employment claims happen, you work directly with specialists who understand manufacturing operations and temporary staffing relationships. They respond quickly. They know production can’t stop while you deal with employment disputes. They move fast because your business depends on it.
Get your free coverage evaluation today. Our manufacturing insurance specialists will review your current policies, identify coverage gaps in your employment practices liability protection, and show you exactly how third-party EPLI protects your facility from temp worker and staffing agency liability claims.
Protect Your Manufacturing Facility From Staffing Agency Employment Liability Today
Third-party employment practices liability insurance fills a dangerous gap in your manufacturing insurance portfolio.
It protects your facility from discrimination, harassment, and wrongful termination claims by staffing agency workers and temp employees. Manufacturing Insurance Group’s 20+ years of manufacturing expertise ensures precision third-party EPLI coverage tailored to your production environment and temporary staffing needs. We understand your challenges. We know your risks. We deliver protection that works.
Don’t wait for a $75,000 employment claim to discover you’re unprotected.
Contact our manufacturing insurance specialists now at (234) 231-9943 for your free coverage evaluation and customized third-party employment practices liability quote.
Protect what you’ve built. Secure your facility. Get coverage today.
What's the difference between third-party EPLI and regular employment practices liability insurance?
Regular employment practices liability insurance covers your direct employees.
The workers on your payroll.
Third-party EPLI covers everyone else working in your manufacturing facility: temp workers, staffing agency employees, and contractors. Two different types of workers. Two different policies. Both necessary for complete protection.
Manufacturing facilities need both types of employment practices liability coverage. Why? Because temp workers can file discrimination and harassment claims even though staffing agencies employ them. Your standard EPLI won’t respond to these employment claims. You’re exposed to $75,000+ settlement costs without third-party coverage. Two policies working together. Complete protection from employment practices liability.
How do I get third-party employment practices liability coverage for my manufacturing facility?
Three simple steps to secure third-party EPLI for your manufacturing staffing operations.
First, contact our manufacturing insurance specialists for a free coverage evaluation. We review your current policies and temp worker usage patterns. Second, we identify gaps in your employment practices liability protection and provide a customized third-party EPLI quote within 48 hours. No delays. No runaround. No waiting weeks for answers. Third, once approved, coverage typically begins within 5-7 business days.
Fast. Simple. Effective.
Call us today or request your free quote online. Start protecting your manufacturing facility from staffing agency employment claims immediately. Don’t wait until a claim hits your desk.
If a temp worker files a discrimination claim, who's liable—my manufacturing facility or the staffing agency?
Often both of you under joint employer liability rules.
The staffing agency technically employs the worker. True. But you control their working conditions in your manufacturing facility. You supervise them daily. You manage their workplace environment on your production floor. You direct their activities. Courts increasingly hold manufacturers liable when temp workers claim discrimination, harassment, or wrongful treatment by supervisors—classic employment practices violations that trigger lawsuits and settlements.
That’s why third-party employment practices liability insurance matters for manufacturing staffing. It protects you regardless of who technically employs the worker. No confusion between you and the staffing agency. No finger-pointing about responsibility. No delays in defense coverage. Just protection from employment claims when they arise.
Does third-party EPLI cover temp workers from multiple staffing agencies?
Yes.
Complete coverage.
Your third-party employment practices liability insurance protects you from employment claims filed by any non-employee working in your manufacturing facility. Doesn’t matter which staffing agency employs them. Doesn’t matter how many agencies you use for temporary workers. Full protection across all your staffing relationships.
Manufacturing facilities often use multiple staffing agencies for good reasons. Different shifts need different skills. Specialized positions require specific providers. Peak production demands more workers than one agency can supply. Our third-party employment practices liability policies provide comprehensive protection across all your manufacturing staffing relationships. No gaps when you switch agencies. No holes when you use multiple providers simultaneously. Just continuous protection.