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Stop-Gap Employers Liability Insurance - Let us find your best coverage - coverage for monopolistic state employers

In monopolistic states – North Dakota, Ohio, Washington and Wyoming – the state fund pays comp benefits but not employers liability. Stop-gap coverage fills that hole, usually as an endorsement on your general liability. Send us a few details and we will shop 50+ carriers for your best rate – no cost, no obligation. Prefer to talk? Call 800-616-3490.

Stop-Gap Employers Liability Quote Request

Applicant Information:

Business Structure (Optional - choose one)

Have these handy

  • State fund account number
  • Payroll in each monopolistic state
  • General liability policy
  • Contract insurance requirements

Related coverage

Coverage details

What Stop-Gap Employers Liability coverage includes

In monopolistic states – North Dakota, Ohio, Washington and Wyoming – the state fund pays comp benefits but not employers liability.

  • Employers liability - Employee injury suits outside the state fund.
  • Third-party over actions - Suits from others seeking recovery against you.
  • Consequential injury - Claims by family members of injured employees.
  • Dual capacity - Suits against you in another role, such as product maker.
  • Legal defense - Attorney fees and court costs.

Good to know: most carriers add stop-gap to your general liability policy for a modest charge, but limits must match what your contracts and umbrella require.

Not covered: the statutory comp benefits themselves, which only the state fund can provide, and punitive damages where uninsurable.

Insurance Application:

Stop-Gap Employers Liability

Required forms

Stop-Gap Employers Liability Supplemental Application (PDF)

Download, complete and email to info@societiesinsurance.com, or attach it with your quote request.

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