Stop Gap Insurance Program from International Excess Program Managers
International Excess Program Managers offers a flexible and competitive Stop Gap Insurance Program designed to help agents and brokers place difficult-to-cover risks in states where Workers' Compensation does not provide employer liability coverage. This program is especially useful in monopolistic states like Ohio, where employers need standalone stop gap coverage to protect against workplace injury lawsuits not covered under standard policies.
Ideal Accounts and Target Classes
This program is a great fit for a wide range of businesses operating in Ohio that must meet employer liability requirements. Ideal accounts include:
- Manufacturers with multiple employees and physical operations
- Contractors and construction-related businesses
- Healthcare facilities and senior care providers
- Retailers and wholesale distributors
- Other businesses with employee exposures in monopolistic states
If you have a client operating a mid-sized manufacturing facility in Ohio or a contractor with field crews, this Stop Gap solution can help them meet compliance needs and mitigate employer liability exposure.
Coverage Highlights and Advantages
- Minimum premiums starting as low as $750
- Multiple limit options available: $300,000, $500,000, and $1,000,000
- Zero deductible for easier claims handling
This program is tailored to help agents provide their insureds with access to broad, standalone stop gap liability protection, especially in states where workers’ compensation policies exclude this coverage.
Underwriting Notes and Minimum Premiums
With minimum premiums starting at $750, this program is competitively priced for small to mid-sized employers. Underwriting is handled by experienced professionals who understand the exposures unique to monopolistic states and employer liability needs. The program is backed by various carriers, giving you flexibility and options during the quoting process.
Territories and Availability
This Stop Gap Insurance Program is currently available in Ohio and may be expanded to additional states. The program is admitted in most available states, providing a reliable and compliant solution for your clients.
Why Work With International Excess Program Managers
As a trusted Managing General Agency, International Excess Program Managers brings niche program expertise, excellent market access, and responsive service. They understand the unique needs of agents placing business in monopolistic states and provide efficient, reliable support from submission to policy issuance.
Whether you're looking to place a single account or add stop gap to a broader package, their team can help you find the right fit for your client’s needs.
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