How can managing your workers’ compensation claims process protect every employee?

The first step is to file the claim right away. To this end, have claim forms available to all supervisors. Some companies keep forms near the first aid kit alongside the OSHA log. Management must acknowledge the problem to correct it, so keep good records.

Keep any information regarding preferred doctors networks or nearest emergency care facility with the first aid kit. Maps to these facilities help in crisis management.

Because of the privacy laws, keeping records of employee health concerns (hypertension, diabetes, allergies to medicines) at the ready is tricky at best. Without making the records readily accessible by anyone, they need to be available to supervisors in an emergency.

The insurance company has a depth of claims experience that no insured can have. If not treated properly, some injuries worsen over time. The company has a right to investigate and guide treatment and rehabilitation. A delay in reporting that causes the situation to worsen may create coverage problems. Dutifully report all claims immediately.

Allow the insurance company to investigate the claim. Usually, if the claim results in only medical bills and no lost time, the company will not spend time finding causation; but your company management needs to understand the progression of events that leads to any loss.

Uncover the cause. Were safety appliances, equipment, and personal protection in place and used properly? When the employee was drug tested after the claim, was that an issue?

Use any claim as an opportunity to discuss safety at your next scheduled safety meeting. Discuss the following topics as collateral to the claim:

Assure employees the injury is covered by workers’ compensation and the injured will be cared for properly. If the injured is at work, have them report on the level of care.  Discuss the results of the investigation regarding the cause of the loss in neutral terms, but no personal information about the employee. This discussion is about future avoidance, not humiliation.  Remind employees of the drug testing policy and explain the policy aims to protect everyone.

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Unhappy with Your Workers’ Compensation Company, Pricing or Service?  Want to Get Away From Invasive Audits?   We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice!  You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening!  Forget Dealing With Big, Factory Companies or Computer Systems!  We Have Special Programs for the: Auto, Construction, Limousine Service, Manufacturer and Transportation Industries.  Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!  

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If the insurance company investigation implies fraud, fake injury, review safety rules or regulations in a more generic form. Perhaps discuss slips, trips, and falls prevention as opposed to that specific incident.

Risk avoidance is your best measure against workers’ compensation injuries. Maintaining a safety culture with training, meetings, and management leadership keeps a workplace safer. Having proper paperwork and first aid readily available reduces the lost production effect of injuries.

The more prepared you are to handle an injury professionally, the more you protect your workforce. Manage ahead of the crisis with proper planning.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

We have new contractor general liability programs that if we can fit you into one of them, you can save up to 30+%!

The other day we obtained a quote for a contractor who was paying $60,000+ for their general liability coverage.  Our pricing came in at $41,000!  That’s a $19,000 savings!  We used higher payrolls too so the saving are actually greater!

How would you like better coverage for less money?

How would you like to get rid of some of the crazy exclusions you have in your policy?

How would you like to be serviced by an organization that specializes in construction insurance and when you call, get someone on the phone always?

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Unhappy with Your Workers’ Compensation Company, Pricing, Service?  We Represent 10+ Companies and Can Offer You the Best Policies, Excellent Pricing, GREAT Service and EXPERT Advice!  You Will Deal with One (1) Person That When You Call or Email, Will Be There to Help Day and Evening!  Forget Dealing With Big, Factory Companies or Computer Systems!  Call Gary Wallach at 914-806-5853…Be Treated Like a V.I.P.!  Note: We Have Special Programs for High Risk Contractors Such as Asbestos, Demolition and Roofers!  Call Today!  ________________________________________________________________________________________

When it comes to construction insurance, your broker really needs to know what they’re doing.  Surplus & Excess Line insurance companies design their own coverage forms and if you do not understand them, at time of claim you can end up without coverage.

For instance, “Blanket Additional Insured Endorsement,” some forms ONLY cover the entity you have a signed contract with.  But in contract it may require you cover 10 other entities that you do not have signed contracts with.  Unless you understand whose covered, you can be in for a rude awakening.  Forget your broker issued a certificate showing everyone is covered, what governs is the insurance policy contract.

With the state of the economy, getting insurance costs down is a good idea.

BGES Group can help you do that.  All we need for you to do is call.

Look what some of our clients have to say about us:

V Jakupi

Best Insurance Broker you can get period!
In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did. It has been now more than 5 years without an issue. Glad we found them and looking forward continuing working with Gary and the group.

E Ezhova

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

R Lodato

Gary was very Helpful and Fast. He listened to my complicated insurance problem tried to solve it from different approaches before finding the best course of action for me. He selflessly spent a lot of time making sure that leaving the State Insurance Fund was definitely necessary before using his services. I am 100% happy with his services. I can’t recommend him highly enough.

E. Zaretsky

We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.

WP Blue

We have been using Gary and his services for over 10 years now. He is absolutely amazing. Always right on top of things. Answers you back quickly and helps you through all your issues! Gets you certificates of insurances within the hour. We can’t recommend him enough!

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

It might be hard to fathom any type of audit being beneficial, but premium audits are actually just as important to you as they are to your insurance carrier. When you were first issued your policy, the carrier looked at the estimated sales figures or payroll data that you provided to them. They calculated your premiums based on this information. Now that you have real numbers under your belt and an actual experience, the information can be reassessed to determine the correct premium amount.

Depending on how your business operates and the size of your policy, there are several different methods your insurance carrier can use to conduct your premium audit, including:

1. Mail – your carrier will mail you an audit form and the instructions to complete the form. Once completed, you will return the form by mail to your carrier.

2. Phone – your carrier will hire an independent audit company to conduct your audit over the phone.

3. Physical – your carrier will usually conduct the audit at your business, but it could be conducted at an alternative location, such as your certified public accountant (CPA’s) office.

Regardless of the method, the audit will typically include your disbursements and payroll journals, ledgers, tax and Social Security reports, state unemployment forms, and other accounting records being inspected. As you can see, an enormous amount of data will be inspected. You can use the following tips to help you prepare for your audit, help it run smoothly, and end positively.

Before The Audit Arrives

* You should try to get an idea of what the auditor will be reviewing by looking at the auditor’s work sheets and past audit billing statements.

* Determine which of your employees would be best suited to work with the auditor. Look for someone that’s both knowledgeable about the accounting records that will be used in the audit and about what work is done by various employees and departments.

* Assemble all the accounting records that will be used during the audit.

* Ensure that you have certificates of insurance on hand for all subcontractors you’ve used. Don’t forget to make sure that your documentation shows all the contractors have their own general liability insurance and workers’ compensation.

* Check that your payroll documents include a breakdown of wages according to class code, department, and employee.

The Day Of The Audit

* To make sure you have all the applicable records easily available to the auditor, you might request the audit be conducted at your business.

* Don’t be afraid to ask the auditor to explain any points that aren’t perfectly clear to you.

* Request a hard copy of what the auditor finds.

After The Audit

* Carefully assess the audit billing statement, comparing it to your original policy.

* Don’t agree to pay any additional premium dollars until after you’ve made a list of all changes and discussed any problematic areas with the auditor.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

Workers Compensation Audit

General Liability Audit

BGES Group is one of tri-states “Construction Insurance Specialists” who can help you with the following:

1. If you’re unhappy with your pricing let us market your account to our network of 50 construction insurance companies and find you better.
2. We represent “The Top Main Street” programs and “All The Best Surplus Line Plans” too.
3. We have incredible leverage with carriers and can get you very, very, very competitive pricing and coverage usually better than most agencies.
4. Unlike 99% of agencies, “Construction Insurance” is our specialty so we know the nuances of each company’s coverage, limitations, exclusions and conditions.  We are NOT ORDER takers!  You need to deal with someone that really knows what they’re doing otherwise when a claim occurs, you can be uncovered.  We “ARE THE CONSTRUCTION AGENCY” you want to represent YOU!
5. Tell us what your issues are.  Let us find you a better fit.
6. Need help with insurance contract reviews?  We have a department set up to review contracts before you sign them.
7. Need help dealing with “Real Estate Management Companies?”  We can step in and talk to them on your behalf so you can focus on work and we can get you approved.
8. Need help screening subs insurance.  We have a department set up to screen subs insurance to make sure 1) They are in compliance with your policy insurance requirements; 2) You are properly protected in the event of a claim.
9. Can’t get someone on the phone when you need help?   You will be able to get us day or evening by calling 914-806-5853.  No more talking to a phone system.  No more waiting on hold.  No more hearing your contact is out to lunch or in a meeting or on vacation.  Call when you need and we will be there to help!
10. Other coverages we can help you with:
    1. Business Auto – We have 5 companies to market your account to.
    2. Commercial Umbrella Liability – We represent all the best liability companies.  Unhappy with the pricing you pay, try us.
    3. Worker’s Compensation – We offer Stand-a-Lone Policies, Payroll/WC Programs; Professional Employer Organizations (PEOs) and State and Assigned Risk Plans.  Unhappy with your company, service, their audits, want to get away from the carrier you now have, we can get you better.
    4. Bonds – We have a separate bonding department with extensive expertise, leverage and we can get the job done for you when most can’t.  Need better rates, higher bond limits, try us!
    5. Group Health – We have a separate health department set up for our clients.  Rates keep going up.  Coverage keeps changing.  Most people worry when they get sick what kind of bills they are going to have to pay.  Let us help you through this maze.  Call 914-806-5853 and ask fro Gary.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

If you’ve been involved in a large construction project, you are familiar with surety bonds and all of the underwriter’s questions you need to answer. If you’re new to the game, it can be daunting.

Many small contractors pass on bidding for projects if they require a payment and/or performance bond. They may have the finances, track record and experience to complete the project, but the application process for bonds can be forbidding.

But it doesn’t have to be that way as long as you are prepared and know what kind of questions the surety insurer’s underwriter will be asking.

Surety bonds are generally performance bonds, which protect the project owner from financial loss if the contractor’s work is defective or of poor quality, or if the contractor fails to complete the work or follow the terms and conditions in the agreement.

For example, if the contractor fails to finish a project due to a shortage of workers or financial problems, the surety company has to step in and perform in the contractor’s place. Obviously, it’s in the carrier’s best interest to insure projects where they won’t be asked to perform. As a result, the questioning can feel like an inquisition, but it’s worth it to be prepared so that the insurer underwrites the bond and you can get to work.

The parties

There are generally three parties to a performance bond:

The obligee This is the project owner, typically a local, state or federal agency, that will require the bond.

The principal This is the contractor that’s been hired to work on the project. Whenever a building contract requires a surety bond, it’s up to the contractor to secure it. The insurer will be most interested in the three “Cs” of surety bonds, namely, your company’s:

• Character,
• Capacity, and
• Capital.

The surety insurer  This is the company that will underwrite and back up the bond. They’re the ones that will be asking you the tough questions.

Typical application questions

The underwriting process is meticulous and various insurers have different questions they will ask. Some that a contractor can expect include:

• Have you, the principal, ever worked with this owner or general contractor (if you’re a subcontractor)? What was that project and was it successfully completed?
• Can we confirm financing on any private project? This question aligns with Section 2.21 on the American Institute of Architects (AIA) Document A201.
• What is the proposed project scope? Have you worked on a similar project before, and what was the outcome of that project?
• Geographically, are there any constraints that could impact your ability to complete the project? For example, if you’re working in a state with proprietary workers’ compensation laws, can you obtain the necessary insurance coverage to comply with that state’s statutory workers’ compensation requirements?
• What is the warranty period? Is it a typical time period or longer than usual?
• Name any material manufacturers involved in the warranties, and do the contract terms allow the contractor to tender claims to them?

Other areas of scrutiny

Besides the above, the surety insurer will also likely want to know:

• If the start and completion dates in the contract are feasible.
• The amount of the bid bond if there is one.
• Any warranty terms and if they are sensible.
• The payment terms and if they will allow the general contractor to manage the funds during the life of the project. In other words, will the period payments be enough to pay workers and purchase materials?
• If there is any retainage, or the withholding of the final contract payment for a specific time period to ensure that the job has been properly completed.
• If there are any damages that are set out in the contract in case of non-performance or shoddy workmanship.
• If the contractor’s costs to complete other projects that it is working on are sufficient to ensure that it can cover its general and administrative costs in the following year.

The above list is not exhaustive and some surety insurers may have different areas they will want to explore to ensure the contractor has the wherewithal to complete the project.

If you are vying for a contract that requires a surety bond, you’ll want to make sure your finances are up to snuff and that you have a strong track record.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

In today’s economy where the cost of doing business continues to soar, companies need to take steps to operate as cost-efficiently as possible. Employers can take greater control of instituting and enforcing preventive measures and injury management procedures by initiating simple internal procedures that hold individual departments accountable for workers’ compensation expenses. These procedures will help decrease both the frequency and severity of injuries, a win-win situation for employees and employers alike, resulting in reduced claims and reduced workers’ compensation premiums.

By communicating directly with those employees who are potential workers’ compensation beneficiaries, employers can more readily attain their safety goals. As a first step, employers should perform a simple analysis to identify high-risk groups based on a history of claims and injuries. Asking employees on a departmental level to think about and discuss the injury management process will improve communication among all parties in the working environment. Having at-risk employees talk about how a job can be performed more safely will produce the end result of reducing injuries. Conversely, asking employees to explain how injuries may occur because of unsafe equipment or incomplete work procedures will aid the employer in properly managing its safety procedures and work environment.

Too frequently, workplace injuries are not reported on a timely basis. Supervisors often fail to recognize and report accidents, hoping they will disappear without resulting in lost-time or medical expenses. This practice often causes greater expenses because the initial injury was not reported and treated immediately.

The company can further reduce injuries within each department by emphasizing job safety during training programs, and by periodically reviewing work patterns. If an employee does become injured, the employer and employee should share the common goal of returning the employee to work as soon as possible. Both parties should should desire the most effective medical treatment, a timely recovery, and a smooth, safe transition as the employee returns to the workplace.

Another benefit derived from each department being responsible for its own workers’ compensation costs, is that departmental managers can have a hands-on approach in helping injured employees return to work. Instead of having the injured employee contacted by a third party (which is usually a claims adjuster or even an attorney), the employer’s concern and response is directly communicated to the out-of-work employee.

Despite the fact that there are a few workers who intentionally defraud the system, they are very much the exception rather than the rule. Examining workers’ compensation costs on a departmental level makes it much harder for malingerers to file fraudulent claims.

Since accidents do happen, it is not possible to eliminate all injuries and their resulting claims. However, the severity and frequency of injuries can be greatly reduced by placing responsibility for maintaining a safe working environment at the departmental level. In the long run, both the individual department and the company as a whole reap the rewards.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

Americans are getting less physical activity than ever, with people now spending an average of more than 13 hours a day in a chair.

Prolonged periods of sitting are known to lead to increased obesity rates, high blood pressure, high blood sugar, diabetes – and even increased risk of cancer.

According to a study from the National Institutes of Health, those who spent over 13 hours per day sitting had double the mortality risk of those who spent less than 11 hours per day.

So far, despite the rise in office job cumulative-trauma injuries like carpal tunnel syndrome, there have not been any workers’ comp claims for health issues developed from sitting at a desk. Some claims for back problems, like compressed disks, have been covered by workers’ comp in the past, but not high blood pressure and obesity.

While employers can’t be held liable for health issues that develop from sitting hours at a time, many companies are taking active steps to get workers on their feet again, and moving around – both in the workplace and during off-duty hours.

How you can help

Examples of what you as an employer can do are:

• Walking breaks. Encourage sedentary workers such as computer operators to take frequent breaks to walk around. There are significant health benefits for even short walking breaks to break up long periods of sitting, even if the caloric burn is very modest.
• Install treadmill desks. These desks allow normally sedentary workers to continue moving even while being productive at their workstations.
• Sit-and-stand workstations. Many companies have installed workstations that allow workers to alternate between sitting and standing while working. In 2014, Denmark became the first country to require employers to give workers the option of having a standing desk.
  When combined with counseling and education, the sit-and-stand desk has been found to be effective in reducing sitting time by up to two hours per day, as well as the duration of sitting times.
• Install high tables. Employers have found that higher tables lead to more standing meetings – and more time standing rather than sitting.
• Have ‘walking meetings.’ Research has shown that walking meetings stimulate more creativity and more honest employee feedback than traditional meetings. And they get workers on their feet.
• Devote floor space to exercise.  Some companies have found success installing exercise bikes, a basketball court, weights, yoga mats or other exercise equipment at the office – and encouraging employees to use them.
• Allow paid time off to exercise. Clif Bar, a health food company, allows its more than 200 employees up to 2½ hours of paid exercise time each week – an average of a half-hour per day. The company also employs several professional fitness trainers and conducts more than 30 exercise classes each week in its on-campus gym.
  Mobify, a Vancouver tech company, holds multiple rooftop yoga classes for employees each week.
• Install some games. Bring in a ping pong or foosball table to get employees active. Studies have shown that workers more than make up for time away from their desks when they return from a period of physical activity by being more creative and productive.

Regardless of the specific measures you take in your worksite, it’s important for senior managers to take the lead. Executives should personally participate in workplace wellness and fitness initiatives – and encourage others to join them.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 60+ 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

One sure-fire way for a business to get sued is if a visitor a customer, vendor or any third party injures themselves while on your premises.

Injury lawsuits can be costly, with outlays for medical costs and potential lost income if the injured party misses work, punitive damages if the case goes to court, and legal fees. Even if you prevail in the lawsuit, you’ll still be out significant sums for your lawyers.

That’s why it’s important that you have a two-pronged approach that comprises maintaining a safe facility and having a commercial liability insurance policy.

Your risks

Whether you own your building or rent it, once someone steps into your facilities or jobsite, you have a duty to make sure they are safe.

Someone who injures themselves in a facility a company rents would likely go after both the landlord and the tenant (you), but if they are in your offices and not a common area in a larger building, you would likely be the main defendant.

Also, many landlords have clauses in their contract that require tenants to assume full responsibility for maintaining safety in the areas they rent.

Besides someone slipping and falling on your premises, there is a host of other liability risks that you may face, including:

• A visitor or an employee assaulting another visitor.
• A visitor being injured by machinery or equipment.
• Someone being hit by a vehicle in your parking lot.

How to protect visitors

You should take all steps necessary to protect everyone who enters your premises.

Besides that, you should do the following to make sure your facilities are safe:

Inspect the facility Form a committee with employees from each department to inspect all areas a visitor might enter.

The committee should do monthly walk-throughs to look for any safety issues, paying particular attention to walkways and other areas that outsiders may access. The main focus should be to ensure those areas are uncluttered and free of tripping dangers.

These walk-throughs should be done at varying times of day to account for different activities during those times (such as a janitor mopping the floor in the early morning).

Training Train your employees to keep walkways clear at all times and practice workplace safety.

Make corrections Once you find an unsafe condition, correct it immediately. If you can’t address it straightaway, you should cordon off the area until it can be tackled and put up warning signs.

How to protect your business

To cover your business, the first step is to purchase a basic commercial general liability insurance policy.

Most CGL policies will cover many of the expenses of a premises liability lawsuit, including legal costs and any settlements or judgments, up to the limit of the policy. If someone is injured and doesn’t file suit, the policy will pay for their medical expenses.

Premiums are calculated based on a number of factors that affect your risk picture:

• Location (city, state, region)
• Industry
• Size of your company (larger companies tend to pay more for coverage)
• Claims history
• Policy coverage limits
• Deductible (a higher deductible means a lower premium, and vice versa).

For a basic $1 million CGL insurance policy, a business may pay anywhere between $300 and $1,000 a year depending on the above factors. Most policies are sold in $1 million increments. If you need more coverage than the insurer is willing to underwrite, you can purchase a separate umbrella policy.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

How many of you get upset because your broker never shops your insurance?

How many of you get substantial rate increases each and every year?

How many of you can’t get your broker on the phone when you need them?

How many of you get charged $1,000 to $5,000 policy fees per policy and still the service is not great?

Finally how many of you feel your broker is not that knowledgeable and you are unsure of the answers he/she gives you?

How would you like to deal with a 42 year veteran New York Construction Insurance Specialist who WILL ALWAYS treat you like a $10 million dollar client and who:

1. Gets you great rates!
2. Gets you great coverage!
3. Agency represents all the best construction programs for New York contractors!
4. Normally doesn’t charge policy fees!
5. Is always there to answer your calls!
6. Issues certificates within minutes!
7. Doesn’t send you renewal quotes 2 days before policy expires!
8. Watches over your account and markets it regularly!
9. Responds to your emails immediately!
10. Treats you like a V.I.P. and is extremely responsible, listens and who fights for you like a street fighter!

Coverages Offered:

Property

Tools & Equipment

Builders Risk

Contractors Liability – We have THE BEST programs available for N.Y. contractors

Umbrella Liability

Business Auto

Bid & Performance Bonds

Workers’ Compensation – We have THE BEST programs available for N.Y. contractors

N.Y.S. Disability

Group Health

We offer every coverage a contractor needs

Listen to what clients have to say:

V Jakupi

Best Insurance Broker you can get period!
In the middle of the busy season we received a letter from our old carrier that they no longer service NY, only NJ. We had only 60 days to find a new company. We got in touch with Gary who is very knowledgeable, friendly and experienced, assured us that he will take care of our insurance and he did. It has been now more than 5 years without an issue. Glad we found them and looking forward continuing working with Gary and the group.

E Ezhova

My broker, Gary Wallach, is the BEST!  He’s professional and a pleasure to deal with. Always has the answers for me and is quick to respond to my emails and phone calls. This is one reason I remain a loyal BGES Group customer. Good Rates on all my insurance needs too!

R Lodato

Gary was very Helpful and Fast. He listened to my complicated insurance problem tried to solve it from different approaches before finding the best course of action for me. He selflessly spent a lot of time making sure that leaving the State Insurance Fund was definitely necessary before using his services. I am 100% happy with his services. I can’t recommend him highly enough.

E. Zaretsky

We have used BGES Group for our insurances for over 20 years and had an amazing relationship with Gary Wallach. Gary is always looking for the lowest cost insurance, the highest quality, and his speed at providing certificates cannot be matched by anyone.

WP Blue

We have been using Gary and his services for over 10 years now. He is absolutely amazing. Always right on top of things. Answers you back quickly and helps you through all your issues! Gets you certificates of insurances within the hour. We can’t recommend him enough!

If You Feel It’s Time for a Change, Contact BGES Group, Gary Wallach at 914-806-5853

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group

Liability insurance is important for contractors and subcontractors. This type of coverage offers financial protection from the results of accidents, injuries and property damage caused during a project. When working on a construction project, many workers accidentally damage the property in one way or another. Mishandled tools, dropped items or misinterpreted directions are often the sources of property damage incidents. The regular standards of business require contractors to have proof of adequate construction liability coverage prior to starting a project on a structure. This standard is also required for subcontractors.

Commercial Contracting Insurance
Commercial contractors are usually expected to carry multi-million-dollar policies. This allows for coverage of any injuries or construction-related damages to the structure. As a rule, commercial contractors performing riskier tasks have higher coverage amounts. For example, a roofing contractor would have a higher amount than a contractor remodeling the interior of a one-story commercial structure. To finance premiums over the span of several months or one year, indemnity corporations charge contractors a down payment and monthly service fees.

_________________________________________________________________________________

We Have The Best Contractor Liability Programs in The New York, New Jersey and Connecticut Area.  Being Cancelled, Without Coverage, Paying High Rates, Looking for Better Coverage, Better Service, Call Gary Wallach at 914-806-5853!

________________________________________________________________________________

Residential Building Insurance
This type of coverage is important for any worker in the building business. In many cases, homeowners decide to sue the contractor for damages sustained during the process of construction. If there are any injuries on the job site, some workers may also want to file lawsuits against the contractor or homeowners. A good construction liability policy will protect contractors from loss in unexpected situations and various types of damage lawsuits. However, the contract must require every subcontracting party to have their own coverage. The contract must also state that the contractor does not claim any responsibility for damages occurring during the construction process that are the fault of one or more subcontractors. Policy amounts are related to the amount of money the contractor executes, so it is important to estimate a realistic figure. To be fully protected, it is best to have at least two or three times as much coverage as the total amount of the construction project.

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, Workers Compensation Premium Recovery, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – 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. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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) Replacing policies that are 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.

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 – 2022 – BGES Group