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Employers Liability

Get coverage for those times when you need a stopgap.


Employers liability coverage—sometimes referred to as stopgap coverage—is designed to fill the gap between your workers compensation and your revenue and assets. Most businesses know the value of workers compensation insurance to protect themselves in the case of claims for employee injury, but it does not cover everything. And, in some places, such as the United Kingdom, you may even be required to carry employers liability.

To navigate the complexities of this coverage, be sure to get with an IOA advisor so that you have a clear understanding of what is required not only for your business but also what is required where it is located.

Covered Claims
  • Dual-capacity suits
  • Intentional acts
  • Loss of consortium
  • Third-party countersuits

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