A Temporary Service Agency provides workers to a variety of businesses. Based on New York State workers' compensation case law, such workers are generally considered to be the employees of the temporary service agency since that agency hires, fires, and has direction and control over these individuals. Therefore, it is the responsibility of the Temporary Service Agency to provide New York State workers' compensation insurance coverage to both its administrative staff and the workers that it sends out to various clients. (A Temporary Service Agency is a business that is classified as a temporary service agency under the business' North American Industrial Classification System (NAICS) code.)
Please note that any business that is not a temporary service agency cannot lend its employees to another business without each business having a workers' compensation insurance policy in its own legal name.