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...d specifically for recruitment, employment, and staffing agencies. As a wholesale broker with deep sec...?This program is ideal for staffing agencies that place workers in sectors suc...

... Agency, Inc. offers a tailored Employment Practices Errors and Omissions (E&O...packaged with other coverages?Yes, Employment Practices E&O coverage can be pa...

...rs & Officers (D&O) and Employment Practices Liability (EPLI) program ...ils about HR policies and any past employment claims. Are prior acts (retroact...

Who needs business insurance? In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them. To learn more from our experts in the Dublin, OH and surrounding areas, get in touch with us. Common Exclusions Please note, coverage does vary by insurer and it will include additional exclusions other than the examples below. It would be best to thoroughly review your policy to know exactly what your policy does and doesn't cover. Damage to Your Work - Usually, commercial general liability policies exclude coverage for property damage to your work. Damage to Your Product - Commercial general liability policies will not cover property damage to your product. Contractual Liability - Commercial general liability policies exclude coverage for bodily injury or property damage that you are obligated to pay because you assumed liability in a contract or agreement. Recall of Products, Work, or Impaired Property - Commercial general liability policies will not pay the cost to recall faulty products, work, or impaired property. You do have the option to add this coverage to the policy by endorsement for an additional cost. Workers' Compensation and Employer's Liability - Commercial general liability policies don’t provide coverage for workers' compensation, or employer's liability. There may be other exclusions that apply on a local level to the Dublin, OH and surrounding areas. Types of business insurance Bodily Injury Property Damage Harassment Discrimination Directors & Officers Liability Errors and Omissions (E&O) Advertising Injury Personal Injury Workers Compensation A comprehensive general liability insurance policy should help keep you in business with - Legal expenses Medical expenses Settlement expenses Our business insurance experts have helped many businesses in the Dublin, OH and surrounding areas. Get in touch, we can help you too.

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.

Types of business insurance Bodily Injury Property Damage Harassment Discrimination Directors & Officers Liability Errors and Omissions (E&O) Advertising Injury Personal Injury Workers Compensation A comprehensive general liability insurance policy should help keep you in business with - Legal expenses Medical expenses Settlement expenses Our business insurance experts have helped many businesses in the Columbia, MO and surrounding areas. Get in touch, we can help you too. How do you pay for the policy? Three options depending on your circumstances – Paid Up front – usually for new businesses, or businesses that don’t have strong financials. Monthly Installment (financed) Quarterly or twice a year payments (not necessarily financed, but because you have a history with the carrier they give you this payment plan) Who needs business insurance? In a word – every business! If you are a white collar professional (consultant), or run a business, a contractor, or small business owner, you need some form of general liability protection to safeguard your business. A single accident could result in a costly lawsuit. A general liability insurance policy is a great way to protect your business. You want to make sure you have liability coverage that matches your level of exposure. Some employers or clients might require you to carry a certain amount of general liability before you can work for them. To learn more from our experts in the Columbia, MO and surrounding areas, get in touch with us.

Our Employer Solutions division offers dependent and claims audit services to organizations of any size. We specialize in healthcare cost containment and prove our expertise and flexibility with every client. With a quarter-century of practical experience under our belt, HMS has a host of services available to help government-funded programs and commercial programs uncover healthcare benefits available to their beneficiaries so that these programs can coordinate benefits properly and recover claims that were paid erroneously. HMS’s COB-related services include the following: •Other coverage identification and recovery •Cost avoidance •Case management and systems •Child support •Military services