workers comp insurance

Are You a Tri-State Contractor Who Is Unhappy With Their General Liability, Umbrella Liability, Auto, Bond or Workers’ Compensation Rates or Coverage?

Are You a Tri-State Contractor Who Is Unhappy With Their General Liability, Umbrella Liability, Auto, Bond or Workers’ Compensation Rates or Coverage? Call and See If You Fit Into One of Our Top 5 Construction Programs. A Queens Contractors Reduced His Premium From $375,000 to $197,000. Be Next!

Here’s What We Can Do For You: 

1. We offer the top 5 construction programs in the tri-area. Some are exclusive to a few agencies, ours being one. If we can fit you into one of them you’ll receive great coverage, rates and coverage stability. We recently helped a Queen’s contractor get into one and by doing so reduced his premium from $375,000 to $197,000. In addition, he obtained a “Cadillac” policy that none of his client’s has a problem accepting.

2. Does your policy have a “Labor Law” exclusion? No Contractual Liability? Subcontractor Hammer Clause? Interior height restriction? Exterior height restriction? Do these height restrictions apply to you or your subs work too? Is your policy rate based on gross receipts? Would it be better if it were based on payroll and subcontractor costs? Do you have Primary/Non Contributory coverage? Blanket Additional Insured coverage? Does your Blanket Additional Insured cover everyone that is required to be covered under the contracts you sign? Do you have Blanket Waiver of Subrogation coverage? If we can fit you into one of our programs then we can get rid of these exclusions, get you “Cadillac Coverage” maybe for better pricing too.

3. You know how some large companies have considerable buying leverage due to their volume of business? Well we do hundreds of millions in premium so we usually can get great deals for our client’s. The beauty of our office is you get the benefit of our pricing leverage BUT “I Personally Treat Every Client Like They Were a $10 Million Dollar Account.” Click here and read what my clients have to say.

4. Most brokers are generalists. They sell policies having no clue about the exclusions, warranties, restrictions. This places many contractors in great financial jeopardy. We are construction specialists and have 39 years under our belt. Instead of taking hours to research your account, we have a team that brainstorms then knows what to do. You get this help for FREE by contacting us.

5. Do you need bid or performance bonds? We have a separate department for our client bonding needs. Need higher limits? Lower rates? Expert advice? Whatever you need we can help.

6. Are you paying exorbitant premiums for your Commercial Umbrella Liability Policy(s)? The pricing for this coverage has gone through the roof! We have exclusive programs that only a handful of agents represent. If we can fit you into one of them you can end up saving a fortune with much better coverage. We just renewed a Bronx contractor’s $5 million Umbrella for just $19,000.

7. A lot of contractor general liability policies require their subs carry proper coverage. Failure to do so can cause a claim to be denied or be subject to a substantial deductible. Would you like help screening your sub contractor’s insurance policies? We can DO THAT FOR YOU! Not only doing so protects you in the event of a claim but it can help fit you into one of our exclusive programs saving you a ton of money while offering you comprehensive protection.

8. Unhappy with your Workers’ Compensation company, pricing, service? We have a program that offers some of the lowest rates in the tri-state area as well as better protection (it is not a state program).

9. Do you take jobs out of state for weeks at a time? If you are with an assigned risk or a state carrier, you may be exposed to a substantial uncovered financial liability. For example, you are a New York contractor who has a 2 month job in New Jersey. One of your employees gets hurt and decides to file claim in New Jersey. New Jersey hospital stay is $179,000. On the other hand if employee filed claim in New York, hospital stay may be $79,000. You could be out of pocket $100,000 without the right coverage. Our program can eliminate this problem.

10. We can do for YOU what most other agency don’t offer. Try to fit you into one of our top programs, design a policy where the exclusions, limitations, restrictions are tailored around your needs. Screen your subcontractors insurance. Help you with bid and performance bonds. We also offer Group Health and all personal lines coverages. Finally “I Will” treat you like you are the only account in the world that matters regardless of size because that is what YOU deserve and how I treat people.”

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2019 – BGES Group

workers comp insurance

The 10 Biggest Problems Contractors Face With Their Workers Compensation

Do you have any of the following problems with your Workers’ Compensation coverage? If so, as one of tri-states leading specialists turn to us for help.

Problems:

1. Rates too high – We have two programs whose rates are great!

2. Your payments are on a fixed monthly installment plan – We have a program where your payments are based on past weeks payroll. No payroll, no workers compensation payment.

3. You have employees that perform various trades a week yet your insurance company charges you for the highest rated code – We have a program that allows you to split each field workers payroll by trade so you DO NOT pay the highest rate.

4. You have employees that work out of your home state weeks at a time – Did you know state and assigned risk plans may not cover you properly whereby you end up with a huge uncovered liability? For example, your office is in New York but currently you have a job in New Jersey for two months. Employee gets injured on job, decides to file claim in New Jersey. Hospital stay in New York cost $100,000, in New Jersey it costs $250,000. You could end up out of pocket $150,000. We have a program that eliminates this problem.

5. Your Workers’ Compensation company’s auditors are difficult to deal with – You will find our company auditors to be flexible, reasonable, agreeable and helpful. With some of our programs depending on the state you’re in audit may take less than 15 minutes or you may not have a yearly audit.

6. You have a high (debit) Experience Modification factor and it’s causing you problems getting coverage &/or work – We have programs who offer competitive pricing even though you have a high experience mod.

7. Your Worker’s Compensation insurance company is difficult to work with. Their service is poor – We have a program whose service is FIRST CLASS from day to day customer service, claims, reports, certificate issuance, you name it they’re excellent!

8. You use a payroll service that provides Workers’ Compensation but you are not happy with them – We offer THE BEST payroll programs in the tri-state area. As intermediaries when you have an issue you come to us and we handle it for YOU!

9. You are paying service and policy fees that amount to 10% or more of the cost of coverage – If you fit into one of our programs we DO NOT charge service or policy fees.

10. You keep switching Workers’ Compensation companies every year to two – We have one of the longest running programs in the United States. 24+ years. If you’re looking for excellent pricing, long-term coverage stability, FIRST CLASS services and one of tri-states leading experts to answer all your questions you can now get that through us.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems – Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group

Contracts

CARES Act Boosts Unemployment Benefits for Laid-off, Furloughed Workers

With the sudden eruption of economic calamity, and more than 247 million Americans under stay-at-home orders, some 3.1 million individuals filed for unemployment in the last week of March.

To counter the blow to their income, Congress passed and President Trump signed the $2 trillion Coronavirus Aid, Relief, and Economic Security (CARES) Act, which in part allocates around $250 billion in unemployment benefits for the workers who have lost their jobs due to the coronavirus pandemic.

The CARES Act extends unemployment insurance benefits to workers who are not eligible for additional benefits at the state level, as long as they lost their jobs due to the outbreak.

The new law also extends benefits to part-time employees, freelancers, independent contractors, gig workers and self-employed individuals. While gig and self-employed workers are newly eligible for unemployment benefits, they may not qualify if they don’t have the proper work and pay documentation.

The unemployment benefits under the CARES Act also apply to furloughed employees who file unemployment claims with the state.

Depending on your state, workers will be able to collect both state unemployment and federal unemployment through the CARES Act, which was designed to augment any unemployment benefits workers may receive in your state.

The Pandemic Emergency Compensation program funded by the CARES Act will provide an additional $600 per week on top of state unemployment benefits through July 31. It will also extend state-level unemployment insurance by an additional 13 weeks. For example, whereas most of California’s unemployment benefits last 26 weeks, the bill extends state benefits to 39 weeks. The extended benefits will last through Dec. 31.

Another part of the CARES Act is the Pandemic Unemployment Assistance program, which will provide up to 39 weeks of benefits for those who are not typically eligible for state benefits, such as people who are self-employed or people who did not work enough last year to qualify for unemployment benefits.

Many states have a one-week “waiting period,” before benefits start, so often the person won’t be paid unemployment the first week they are off work. This law pushes states to waive that period by paying the full cost of that week of benefits as soon as they become eligible.

Also, some states require that people applying for unemployment benefits have been employed for a certain period of time. The CARES Act effectively waives work history requirements and allows any workers who usually wouldn’t qualify to receive unemployment benefits.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

Special Contractor Insurance Programs (NY) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

New Jersey and Connecticut Contractors: We have a competitively priced (savings up to 50%) General Liability, Umbrella Liability, Business Auto, Workers Compensation program. Want to lower these costs? Get a quote today!

Smart Home Security Systems – Protect and manage what matters most. You’re in control with simple, affordable security, and home automation. Click here to learn more.

Identity Theft – Over the past year hundreds of thousands of people have had to deal with identity theft. This has become such a huge problem so we now offer Identity Theft Protection. We heard stories of kids going for car loans and learning they owe $200,000+ to companies they never heard of. Under our program you can protect yourself, spouse and children. Anyone you know can purchase this protection though our plan! Click here to learn more or sign up.

If you would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
e-mail: bgesgroup@gmail.com
website: http://www.bgesgroup.com
© – Copyright – 2019 – BGES Group