Are you a New York, New Jersey, or Connecticut contractor tired of the constant headaches that come with payroll and workersâ compensation? Sick of premiums that go up every year, audits that never end well, and brokers who donât return calls once the policy is sold?
If youâre a Tri-State contractor looking for a new payroll and workers compensation company, there is a solution â one that brings coverage stability, pricing stability, and long-term cost control regardless of whether youâre a GC, specialty contractor, or construction services company.
For contractors overwhelmed by rising rates, misclassification issues, audit surprises, and lack of support, this type of integrated payroll/workers comp program may be the most transformative business decision you make this year.
Below are 10 major benefits of enrolling in this unique national program â without naming the company â that thousands of contractors rely on for predictable workersâ comp pricing, smoother payroll operations, and lower long-term costs.
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đ Ten Benefits of This Elite Payroll + Workers Comp Program (Without Naming the Provider)
1. True Long-Term Pricing Stability
Instead of unpredictable yearly renewals, this program offers multi-year stability, meaning your pricing doesnât suddenly skyrocket because of one bad year, market changes, or a carrier pulling out of the state. Contractors who want predictable costs year after year rely heavily on this structure.
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2. More Lenient Underwriting for Construction Classes
Most carriers avoid or surcharge high-risk classes like roofers, framers, demo, concrete, or certain subcontractors. This program is known for accepting tough construction classes that others decline, helping contractors who canât find affordable coverage anywhere else.
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3. Smoother Cash Flow With Pay-As-You-Go
Premiums are based on actual payroll each pay cycle â not inflated estimates. That means:
⢠No large down payments
⢠No big audits
⢠No surprise additional premiums
Cash flow becomes easier and more predictable.
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4. Protection From the Volatile Assigned Risk Pool
Many contractors stuck in the NY, NJ, or CT assigned risk pool pay some of the highest rates in the country. This program gives you an avenue out of the pool and into a stable, long-term solution with more favorable pricing.
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5. Audit Relief
Contractors often face audits resulting in tens of thousands in additional premiums. This programâs structure dramatically reduces audit disputes, paperwork, and retroactive charges. Many companies experience audit-free operations with no year-end surprises.
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6. A Dedicated Claims Management Team
Instead of being handed off to a large claims department that treats you like a number, this program assigns:
⢠Experienced claims handlers
⢠Proactive injury management
⢠Genuine return-to-work strategies
⢠Early intervention to keep claims from spiraling
Contractors often see a significant drop in claim severity and claim duration.
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7. Built-In Safety Support
The program includes access to:
⢠Safety consulting
⢠Jobsite guidance
⢠OSHA compliance help
⢠Loss-control reviews
This leads to fewer injuries, lower long-term premiums, and a safer workforceâespecially for busy contractors who canât manage safety alone.
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8. A True PartnershipâNot a âSell & Forgetâ Policy
Many traditional brokers write a policy and disappear until next renewal. This program offers ongoing service throughout the year, including:
⢠Payroll support
⢠Workers comp guidance
⢠Claims strategy
⢠Carrier communication
Contractors finally feel like someone has their back.
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9. Incredible Fit for Contractors With Growth Plans
If youâre expanding into new states, adding crews, or taking on bigger jobs, this program scales with you. Itâs designed to help contractors grow without triggering huge premium increases or underwriting restrictions.
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10. Lower Long-Term Workers Comp Costs
Because of:
⢠Stable pricing
⢠Fewer claim spikes
⢠Better loss control
⢠Long-term rating strategies
Most contractors see dramatic improvement in their cost trajectory compared to standard comp programs. Over a 3â10 year period, this program often outperforms traditional workersâ comp and payroll arrangements.
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Why Tri-State Contractors Are Switching Now
Construction companies across NY, NJ, and CT are dealing with:
⢠Rate increases
⢠More carriers leaving the market
⢠Stricter underwriting
⢠Tougher audits
⢠Higher Experience Mods
⢠Rising claims costs
This payroll + workers comp program is one of the very few that protects contractors from market chaos. Itâs stable, heavily funded, and designed for long-term partnershipâsomething many contractors say is nearly impossible to find today.
If your current payroll or workers comp setup isnât delivering the stability or service you need, it may be time to explore a better option.
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About BGES Group â Construction Insurance Specialists
BGES Group specializes in helping New York, New Jersey, and Connecticut contractors get better workers compensation and liability programsâespecially when other brokers fail to deliver.
We work closely with contractors who:
⢠Are unhappy with their current workers comp carrier
⢠Need better payroll integration
⢠Have higher-risk construction class codes
⢠Are stuck in assigned risk
⢠Want multi-year pricing stability
⢠Want better claims management
⢠Want a broker who returns calls and fights for them
If you want a program that brings stability, protects your business, and lowers long-term costs, reach out anytime.
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đ Contact BGES Group
BGES Group
Construction Insurance & Workers Compensation Specialists
Contact: Gary Wallach
đą 914-806-5853
đ§ bgesgroup@gmail.com
đ www.bgesgroup.com