What other are saying about the Berkley EmCap
“We have with the Berkley captive program for 6+ years. During that time we have seen significant saving each year.”
Crystal Bollinger, Human Resources Director, Palliative CareCenter & Hospice of Catawba Valley
“The Berkley captive allows us the opportunity to continually mold and shape the overall design of our Medical Plan and Wellness initiatives to best suit the needs of our employees and their families.”
EmCap Group Health Insurance Captive
Are you fully insured for employee group health insurance? If so, you are probably seeing significant rate increases each year and receiving little to no meaningful information from your plan. This begs the question, “Are you supporting the market or being supported by the market.”.
EmCap is a financial means that allows small to midsize employers to break down their healthcare costs into layers. Medical claims can be grouped together according to size and frequency.
The vast majority of claims are small, route claims which are predictable year over year. Larger, more costly claims happen less frequently and are difficult to predict.
There are three risk layers in the EmCap program, retain, share, and transfer.