Which endorsement is described as a 'stop gap' for Employers Liability when attached to a CGL policy?

• A. Stop Gap - Employers Liability Coverage Endorsement
• B. Longshore Endorsement
• C. Foreign Coverage Endorsement
• D. Maritime Coverage Endorsement

Answer: (A)

This is about how a Stop Gap endorsement supplements a commercial general liability (CGL) policy to cover employers liability. A CGL generally excludes bodily injury to employees that would be covered by workers’ compensation, so without additional coverage, the insured could be exposed to claims that aren’t paid. The Stop Gap – Employers Liability Coverage Endorsement creates a defined limit specifically for employers liability, bridging that gap when workers’ compensation coverage isn’t in place or when a claim might fall under employers liability rather than workers’ comp. It effectively adds a safety net to the CGL for the types of employee-bodily-injury claims that workers’ comp would normally handle.

The other endorsements relate to very different areas: the Longshore endorsement covers workers in the maritime industry under the Longshore and Harbor Workers Compensation Act; the Foreign Coverage endorsement extends protection for operations outside the insured’s country; and the Maritime Coverage endorsement deals with ocean marine exposures. None of these provide the general employers liability gap-filler on a standard CGL policy, which is why the Stop Gap endorsement is the best fit.