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:
Have these handy
- State fund account number
- Payroll in each monopolistic state
- General liability policy
- Contract insurance requirements
Related coverage
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 LiabilityBegin Application
Required forms
Stop-Gap Employers Liability Supplemental Application (PDF)Want to save and finish later? Complete it online
Download, complete and email to quote@societiesinsurance.com, or attach it with your quote request.
Prefer to talk?
- Toll-Free: 800-616-3490
- East Coast: 706-550-4418
- West Coast: 206-755-0101
- info@societiesinsurance.com
-
Mon-Fri 8:00am - 6:00pm
Sat 9:00am - 12:00pm