Madison Insurance Group
Employer of Record Services
Comprehensive EOR solutions that protect your business, simplify compliance, and reduce employment liability across all 50 states.
What Is an Employer of Record?
An Employer of Record (EOR) is a third-party organization that takes on the legal responsibilities of employing workers on behalf of another company. The EOR becomes the official employer for tax, payroll, benefits, and compliance purposes — while you retain full control over day-to-day work direction and business operations.
For temporary staffing firms and PEOs, EOR arrangements are a powerful tool for expanding into new states, onboarding contract workers quickly, and reducing the administrative and legal burden of multi-state employment. Madison Insurance Group works closely with EOR providers to ensure your insurance program is structured to match your employment model.
EOR vs. Traditional Staffing
Key Benefits of EOR Arrangements
EOR structures give staffing firms and PEOs a competitive edge — here's what they unlock.
Multi-State Compliance
Operate across all 50 states without setting up separate legal entities in each jurisdiction. The EOR handles state-specific employment law, tax registration, and regulatory filings.
Payroll & Tax Administration
The EOR processes payroll, withholds and remits federal and state taxes, and handles W-2 issuance — eliminating payroll complexity for your internal team.
Workers' Compensation Coverage
EOR arrangements require carefully structured workers' comp programs. MIG specializes in building WC solutions that align with your EOR model, including pay-as-you-go and multistate programs.
Employee Benefits Administration
Offer competitive benefits packages — health, dental, vision, life, and voluntary benefits — through the EOR without the overhead of managing your own benefits infrastructure.
Employment Practices Liability
Reduce exposure to wrongful termination, discrimination, and harassment claims. EOR structures combined with EPLI coverage provide a strong layer of protection.
Rapid Workforce Deployment
Onboard workers in new markets in days, not months. The EOR handles all employment setup so you can focus on placing talent and growing your business.
Insurance Coverages for EOR Operations
EOR arrangements introduce unique insurance considerations. MIG builds programs specifically designed for the EOR model.
Workers' Compensation
Multistate WC programs with pay-as-you-go options, broad class code appetite, and in-house claims handling.
General Liability
Commercial GL with blanket additional insured and waiver of subrogation to satisfy client contract requirements.
Employment Practices Liability (EPLI)
Third-party and employee coverage for discrimination, harassment, wrongful termination, and hostile workplace claims.
Professional Liability / E&O
Errors and omissions coverage for professional placements, temp employee wrongful acts, and staffing-related professional services.
Fidelity / Crime
Protection against employee dishonesty, theft, and fidelity exposures common in EOR and staffing arrangements.
Umbrella / Excess Liability
Excess limits above primary policies to meet large client contract requirements and protect against catastrophic claims.
Why Choose MIG for Your EOR Insurance?
- Specialists in temporary staffing and EOR insurance since 1976
- In-house underwriting with quote turnaround in days
- Multistate workers' comp programs built for EOR structures
- Pay-as-you-go WC options that match your payroll cycle
- 24/7 online certificate access for client contract compliance
- Direct access to Russ Rymer — no call centers, no runaround
Ready to Protect Your EOR Operation?
Get a customized insurance quote for your Employer of Record business in days, not weeks.
Get a Quote