https://robfreeman.com/ What is stop gap insurance coverage? Stop gap insurance coverage is an insurance policy or endorsement to an insurance policy that fills a hole or gap in your worker's compensation insurance. If you are operating in one of the "monopolistic" states, North Dakota, Ohio, Wyoming or Washington State, you may not have an employer's liability policy provided with your worker's compensation policy. Employer's liability insurance is an important business liability insurance coverage that is included in most worker's compensation policies that protects companies from claims by employees related to negligence that led to a bodily injury or illness. Employer's liability insurance also provides protection for companies if there are claims by an employee in a third party action over claim, loss of consortium, dual capacity lawsuits and consequential bodily injury claims. A stop gap policy fills the gap by providing employer's liability coverage. Note that employer's liability insurance is different than employment practice liability insurance (aka "EPLI").