Stop Gap Coverage

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What Is Stop Gap Insurance?

Stop gap coverage Stop gap insurance helps protect business owners from lawsuits due to workplace injuries or illnesses. Like its name implies, it aims to stop a gap in coverage in a business owner’s workers’ compensation insurance policy.
 
When business owners get workers’ compensation insurance from a private insurance company like The Hartford, the policy includes employer’s liability coverage to help protect them from lawsuits due to work-related injuries or illnesses.
 
Businesses in the four monopolistic states don’t have this protection because they purchase workers’ compensation coverage from a state fund. So, these business owners get a stop gap endorsement to help protect them from workplace injury and illness lawsuits.
 

Is Stop Gap Coverage Required?

Stop gap insurance Since most states require employers to carry workers’ compensation insurance, you may be wondering, “Does my state require businesses to have stop gap coverage?” Stop gap coverage isn’t required by law. Despite this, it’s an important coverage for business owners. Stop gap coverage helps protect you from lawsuits that your employee or their family may file because of a work-related injury or illness. Without stop gap insurance, you’d have to pay for legal costs out of pocket.
 

What Are the Monopolistic States?

There are four monopolistic states:
 
  1. North Dakota
  2. Ohio
  3. Washington
  4. Wyoming
Employers in these states have to get workers’ compensation coverage from a state fund. They can’t get coverage from a private insurer. When it comes to policies purchased through a monopolistic state fund, they can help employees recover from a work-related injury or illness. But it won’t include employer’s liability insurance to help protect from lawsuits.
 

How Do I Get Stop Gap Liability Insurance?

What is stop gap insurance Stop gap liability insurance is an endorsement you can get from an insurance company. Small business owners can get a business insurance endorsement to add to their general liability insurance policy. General liability coverage helps protect your business from claims that it caused bodily injury or property damage to someone else.
 

Get a Quote for Stop Gap Coverage From The Hartford

Stop gap coverage is an important endorsement that many businesses need. Whether you have a small or large business in a monopolistic state, stop gap coverage can help protect you from costly lawsuits. Our specialists can work with you to make sure you get the right coverage for your business. So, if you’re looking to add a stop gap endorsement to your general liability insurance policy, we’ve got your back. Get a quote today for stop gap coverage.
The Hartford shall not be liable for any damages in connection with the use of any information provided on this page. Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature.
 
The information contained on this page should not be construed as specific legal, HR, financial, or insurance advice and is not a guarantee of coverage. In the event of a loss or claim, coverage determinations will be subject to the policy language, and any potential claim payment will be determined following a claim investigation.
 
Certain coverages vary by state and may not be available to all businesses. All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Financial Services Group, Inc. In TX, this insurance is written by Sentinel Insurance Company, Ltd., Hartford Casualty Insurance Company, Hartford Lloyd’s Insurance Company, Property and Casualty Insurance Company of Hartford, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Hartford Accident and Indemnity Company and Hartford Fire Insurance Company. In Arizona, New Hampshire, Washington and California, the insurance is underwritten by Hartford Accident and Indemnity Company, Hartford Casualty Insurance Company, Hartford Fire Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Hartford Lloyd’s Insurance Company, Hartford Underwriters Insurance Company, Maxum Casualty Insurance Company, Maxum Indemnity Company, Navigators Insurance Company, Navigators Specialty Insurance Company, Pacific Insurance Company, Property and Casualty Insurance Company of Hartford, Sentinel Insurance Company, Ltd., Trumbull Insurance Company and Twin City Fire Insurance Company. The Hartford® is The Hartford Financial Services Group, Inc. and its subsidiaries, including Hartford Fire Insurance Company.
 
The Hartford® is The Hartford Financial Services Group, Inc. and its property and casualty subsidiaries, including Hartford Fire Insurance Company. Its headquarters is in Hartford, CT.
 
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