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.... This program accommodates both durable and non-durable goods distributors — from regional w... for wholesalers and distributors of durable and non-durable goods — including auto parts, furniture,...

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...ce — covering edible products and durable goods. MRM Group provides s... consumer products, electronics, and durable goods that face potential recall or cont...

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. Click here to read more about this program Are you interested in becoming an agent for this program? Click here. Frequently Asked Questions What types of accounts are a good fit for this Stop Gap Insurance Program?This program is ideal for employers in monopolistic states like Ohio, including manufacturers, contractors, healthcare providers, and other businesses with employee exposures. Which states is this program currently available in?The Stop Gap Insurance Program is currently available in Ohio and may expand to other states as needed. What are the available coverage limits?Limit options include $300,000, $500,000, and $1,000,000, giving agents flexibility to tailor coverage to each client’s needs. Is there a deductible with this program?No, this program offers a zero deductible, making it easier for insureds to manage claims. How do I get appointed to offer this program?You can begin the appointment process by registering through the provided agent registration link on this page. Need help placing an account? Connect with a market specialist.

...t manufacturers and distributors, durable goods rental operations, social serv... product manufacturers/distributors, durable goods rentals, social service providers,...

...roducers Household products and durable consumer goods manufacturers Contract manufacturer...acturers and brand owners of consumer goods — including food & beverage, p...

...s, CROs, clinical trial sponsors, durable medical equipment and dietary supple...ract research organizations (CROs) Durable medical equipment suppliers Med...

... stump socks and crutch tips. • Durable Medical Equipment – Includes wheelch...It also fits businesses offering soft goods, accessories, and repair services....

...nurse companies, and suppliers of durable medical equipment. ...s and traveling nurse businesses Durable medical equipment (DME) and home ...

...lity options for clients handling durable medical equipment (DME), oxygen supp...