Another name for stop-gap coverage is “occupational accident insurance.” This type of coverage is designed to protect workers who are not eligible for traditional workers’ compensation, typically covering gaps in coverage for independent contractors or self-employed individuals. It provides financial benefits for work-related injuries or illnesses, including medical expenses and lost wages. The term “stop-gap” reflects its purpose: filling the insurance void where standard workers’ compensation policies might not apply. This insurance is particularly useful for those in high-risk professions or for employers seeking to offer additional protection to their workforce.