Workers' Comp With a Coverage Gap
A gap should be explained precisely, not minimized.
The useful questions
- What were the exact dates?
- Why did the gap occur?
- Were employees working?
- What payroll existed?
- Were there any incidents?
- What was the prior policy?
- What effective date is needed now?
Keep expectations honest
The presence of a gap does not automatically establish eligibility or ineligibility. Precision about the chronology is what makes the next conversation useful.
Where this problem commonly shows up
Have a Live Account?
Tell us the state, industry and operations, premium, mod if known, and what happened. We'll help determine the next step.