What is a stop gap endorsement, and do I need one? 

Stop gap is an endorsement on your general liability policy that provides employers liability coverage. L&I pays benefits to an injured worker, but it does not defend you if that worker sues you. If you have employees in Washington, stop gap fills that gap. Ask for it by name. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.