Services > EM Capping Program

BWC’s EM capping is designed to minimize the effects of a significant premium increase when an employer becomes penalty rated.

The EM Cap will equal 100% of the employer's EM for the previous year, which can be a Group EM or an Individual EM.

Private employers wishing to enroll must complete and return an Agreement for 100% Cap (U-18) by September 30th.

Eligibility

• Individual EM for the current policy year of 1.01 or higher
• No more than 40 days of lapses within the 12 months prior to June 1st
• No more than 45 days past due on any premium payments
• In the first year agree to complete steps one, two, six and any other 2 steps of the "10-Step Business Plan for Safety"
• Continuing participation after the first year will require completion of the remaining steps

Contact us for more information.