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What Is Stop Gap Insurance?
![Stop gap coverage](https://ewcstatic.thehartford.com/thehartford/the_hartford/pubimgs/S/higcom-image-sc-seo-africanamerican-woman-friendly-design.jpg)
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](https://ewcstatic.thehartford.com/thehartford/the_hartford/pubimgs/S/higcom-image-sc-seo-wfh-asianamerican-woman.jpg)
What Are the Monopolistic States?
There are four monopolistic states:
- Dakota del Norte
- Ohio
- Washington
- 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](https://ewcstatic.thehartford.com/thehartford/the_hartford/pubimgs/S/higcom-image-sc-seo-hardware-boss-and-worker.jpg)
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. Reciba una cotización today for stop gap coverage.