Risk & Business Magazine General Insurance Services Fall 2019 | Page 4

Gain control over your healthcare costs PUBLISHER MANAGING EDITOR GRAPHIC DESIGN CONTENT COORDINATOR Carle Publishing Inc. Erika MacLeod Allyson Chute Stacey Cowperthwaite CONTRIBUTORS Daniel Todd Eric Gibson Stephanie Domazet Craig Menne Jim Butcher Amy Jo Martin Neil Pasricha Ari Meisel Joe Polish Ann Handley Scott Stratten Brad Smart Alison Williams Kyle Rosenbaum Elizabeth Johnson Kara Moon ADVERTISING (Local) PHOTOGRAPHY Carle Publishing IStock.com Stephanie Ruff Images and Art GENERAL INSURANCE SERVICES 421 Franklin Street, Michigan City, IN 46360 GENINS.COM General Insurance Services Risk & Business Magazine TM is published by Carle Publishing Inc. All content, copyright © 2019, Carle Publishing Inc. All rights reserved. Healthcare out of control? Change the status quo. EmCap ® is an innovative funding strategy that puts small and midsize companies in charge of their own employee health plans. You can gain control, transparency, and stability – and the opportunity for real cost savings. Take control today with EmCap. To learn more, contact: Craig Menne General Insurance Services [email protected] Shawn Lanter Berkley Accident and Health [email protected] This example is illustrative only and not indicative of actual past or future results. Stop Loss is underwritten by Berkley Life and Health Insurance Company, a member company of W. R. Berkley Corporation and rated A+ (Superior) by A.M. Best, and involves the formation of a group captive insurance program that involves other employers and requires other legal entities. Berkley and its affiliates do not provide tax, legal, or regulatory advice concerning EmCap. You should seek appropriate tax, legal, regulatory, or other counsel regarding the EmCap program, including, but not limited to, counsel in the areas of ERISA, multiple employer welfare arrangements (MEWAs), taxation, and captives. EmCap is not available to all employers or in all states. ©2018 Berkley Accident and Health, Hamilton Square, NJ 08690. All rights reserved. BAH AD 2018-02 1/18 www.BerkleyAH.com Risk & Business Magazine TM is a valued and recognized trademark of Carle Publishing Inc. This publication may not be reproduced, all or in part, without written consent from the publisher. Every effort has been made to ensure the accuracy of all content in this publication, however, neither the publisher nor General Insurance Services will be held responsible for omissions or errors. Articles, reports and information contained herein reflect the views of the individuals who wrote or prepared them and do not necessarily represent the position of the publisher or General Insurance Services. The material herein is intended for educational and informational purposes only. Nothing herein is to be considered the rendering of insurance advice for specific cases or circumstances. Communication of any legal information contained herein does not constitute an attorney-client relationship, nor convey legal advice or recommendation of any kind. Do not rely on information contained herein to replace consultation with qualified brokers, attorneys or other professionals in your jurisdiction. Please address all editorial and advertising inquiries to Carle Publishing Inc., Email: erika@ carlepublishing.com. Carle Publishing Inc. is not held responsible for the loss, damage or any other injury to unsolicited material (including but not limited to manuscripts, artwork, photographs and advertisements). Unsolicited material must be included with a self-addressed, overnight-delivery return envelope, postage prepaid. Carle Publishing Inc. and General Insurance Services will not give nor rent your name, mailing address or other contact information to third parties. Subscriptions are complimentary for qualified individuals. CARLE PUBLISHING Toll Free: [phone] Email: [email protected] Website: carlepublishing.com