Employer Liability Insurance (Stop Gap)
Not all on the job injuries or illnesses fall under the Ohio workers compensation statue. From time to time, a situation will arise in which an employer is responsible for injuries sustained by an employee and a lawsuit results. In such situations an employer liability, or stop gap, insurance policy can come in handy. Stop gap coverage was designed because workers compensation does not provide protection for business owners against suits initiated by employees. Examples of these situations include:
- Claims for injuries or diseases not covered by Ohio state workers compensation laws
- Intentional tort claims
- Dual capacity claims
Just like workers compensation, employer’s liability insurance is limited to injuries or illnesses that occur during employment. The purpose of this coverage is to protect the employer. Please feel free to give Busha-Okeson Insurance a call at 800-654-2021, or fill out the form on this page, for more information about Stop Gap coverage.