Many businesses devote their cyber security dollars to technologies designed to prevent attacks, such as firewalls, virtual private networks and anti-malware applications.

However, an October 2023 report indicates that they might do better to focus both on prevention and detection. Enhanced emphasis on detection could make cyber attacks less severe, resulting in smaller cyber insurance claims and possibly lower future premiums.

The report from Allianz Commercial found that a tiny fraction of all cyber attacks — 2% — account for the overall amount of cyber insurance losses. Organizations quickly contain 90% or more of other attacks. The dollar loss from most of them is less than the policy deductible; many of these losses are never reported to the insurance carrier.

Cyber-attack losses are either detected and contained quickly with small dollar losses, or they become full-blown expensive crises. Few fall between these extremes. Detecting an attack in its early stages is the important factor in limiting the damage it causes.

Prevention is important but not foolproof. Limiting the damage and cost of those attacks that do get through is just as important. If hackers are able to encrypt or steal a company’s data, the costs of recovery and downtime skyrocket.

The report’s authors found that attacks not caught in the early stages can be more than 1,000 times more expensive than those nipped in the bud. An attack that would cost $10,000 if caught early can end up costing $10 million or more otherwise.

Despite that, the report found that two-thirds of cyber security budgets are spent on prevention. Early detection systems are plentiful, effective and constantly improving, but they get a smaller share of organizations’ spending. As a result, only one-third of companies detect security incidents through their own information technology staff.

What to do

To improve cyber security, employers should consider these steps:

• Regularly assess the organization’s cyber security risks. Identify potential threats, evaluate how serious they are, and prioritize them to determine which to address first. Perform assessments annually or as the organization’s operations and technology change. For example, if a business offers new product lines, a new assessment should be done.
• Devote more resources — equipment, software, and personnel — to incident detection.
• Implement policies and procedures for storing data, routinely encrypting sensitive stored information, and securely deleting it when no longer needed.
• Adopt a written incident response plan designed to enable early detection and mitigation of cyber incidents. It should describe the tasks each person involved in the response will perform.
• If the organization is too small to have a dedicated cyber security staff, work with a qualified IT security firm to respond to attacks.

Cyber insurance should be part of every organization’s risk management program. Many insurers, in addition to paying recovery costs and business interruption losses, offer forensic specialists to determine how an attack occurred. Ask us about a cyber insurance policy appropriate for your operations.

Even the best defensive line will occasionally give up a big play. Early detection of cyber attacks will help your business minimize the resulting damage.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

As a New York contractor, navigating the complex landscape of insurance can be a daunting task. The right insurance broker can make all the difference, and that’s where BGES Group stands out. With a commitment to exceptional service, transparent pricing, and a personal touch, BGES Group, led by owner Gary Wallach, has been a reliable choice for contractors since 1981.

One of the standout features of BGES Group is their dedication to client communication. Unlike many agencies that subject clients to frustrating waits on hold, BGES Group ensures that when you call, you speak directly with a knowledgeable professional. The absence of exorbitant policy or service fees is a refreshing departure from the industry norm. In an era where some brokers charge thousands or even tens of thousands in extra fees, which by the way should be a “Red Light” regarding working with them (we wouldn’t because they are greedy…they usually get paid plenty by your insurance company), BGES Group’s commitment to fair pricing is a testament to their integrity.

Communication is key in the fast-paced world of contracting, and BGES Group recognizes this by offering a direct line for assistance. Whether it’s a pressing matter during the day or an urgent concern on a Sunday evening, BGES Group is there for you. The convenience of having a broker available seven days a week, day or night, reflects their understanding of the unpredictable nature of the construction industry.

Gary Wallach, the owner of BGES Group, brings decades of experience to the table. Having specialized in insuring contractors since 1981, Mr. Wallach operates as a seasoned expert in the field. His wealth of knowledge ensures that he can guide you to the best coverage and pricing options available. In an industry where personal connections can be overshadowed by large corporations, BGES Group operates with a mom-and-pop store mentality – always ready to lend a helping hand when you need it.

BGES Group takes pride in representing the finest New York contractor liability programs. If you find yourself dissatisfied with your current coverage, BGES Group is well-equipped to find you a better solution. Additionally, their excellent workers’ compensation programs cater to those seeking improved rates or relief from the burdensome annual audits imposed by some companies.

To experience the BGES Group advantage, contractors are encouraged to reach out to Gary Wallach directly. Whether by phone at 914-806-5853 or via email at bgesgroup@gmail.com, Gary is ready to provide the personalized attention and expertise that sets BGES Group apart.

In conclusion, when it comes to securing insurance for your contracting business in New York, BGES Group emerges as a beacon of reliability, transparency, and customer-centric service. With Gary Wallach at the helm, you can trust that your insurance needs will be met with a level of dedication and expertise that goes beyond the industry standard. 

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

Expecting a baby is one of the most joyous experiences in life.  As you prepare your nursery, don’t forget to talk us to make sure your coverage reflects the change in your growing family.  Below are a few pointers. 

Health insurance 

Before your baby is even born, review your coverage and make sure you understand how your plan covers your new family member, as well as the mother’s needs during pregnancy. Think about prenatal vitamins, prenatal screenings and neo-natal tests, delivery of your baby, and pediatric care for your newborn.

Notify your insurance carrier. Generally, health insurance carriers ask that a newborn be added to a policy within 30 days of birth.

The birth of a baby is considered a life event, and you are allowed to enroll the baby at birth instead of waiting for open enrollment to begin. 

If your family has multiple benefit options, compare health insurance choices to see which provides the best match for the needs of your family. 

Look at copays and coverages for both children and parents. Depending upon your specific plan, you may have access to health savings accounts or flexible spending accounts, which can provide valuable tax advantages.

Life insurance

As you plan for your revised life insurance needs, you must take the expenses of a new child into consideration, including housing, daycare costs, medical needs and education. Both spouses should be covered, even if one is a stay-at-home parent, and remember to keep your policy current. It is advisable to name a trustee to handle the policy benefits if your child or children are under 18 years old. 

It is also important that you understand the types of life insurance available, and that you consider the plusses and minuses of whole life insurance as opposed to term life insurance or universal life insurance:

Whole life insurance — These policies build cash value and also pay a death benefit that has a more expensive cost. One option is to purchase a term life insurance with a conversion option to switch to a whole life policy for a fee when ready.

Term life insurance — These policies offer death benefit protection for a specific time, and term life premiums get larger as you age. Therefore, it is less expensive in younger years than whole life insurance, which covers you for your entire life and usually has stable premiums.

Universal life insurance — These policies include features of both term life insurance and whole life insurance. Typically, your premium payments cover the actual cost of the insurance, and the balance of the premium payment is invested to cover the increasing cost of insurance as you age. 

Universal life insurance tends to be more complicated than term or whole life, so work with us to understand the finer points.

Auto and homeowner’s insurance 

Some families like to buy bigger vehicles such as SUVs or mini-vans upon the birth of a child, but this can affect premiums significantly. Check insurance rates before upgrading vehicles.

If you plan on carpooling with other parents, you may wish to increase your liability insurance in case of a car accident that affects other children.

If you build an addition onto your home, make sure to notify your homeowner’s insurer of major changes to prevent being underinsured.

Many parents overlook the changing insurance needs that arise from the installation of backyard items for kids, such as a jungle gym, swimming pool or trampoline. You might consider adding an umbrella policy, which will protect you if a person is injured while on your property.

And don’t forget to document all of the new baby-related items in your home inventory.  Keeping your home inventory up-to-date will protect from perils such as fire, theft or windstorm. 

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the dynamic landscape of New York’s construction industry, contractors face numerous challenges, and navigating workers’ compensation insurance is undoubtedly one of them. As complexities arise, finding a reliable partner becomes paramount, and BGES Group emerges as the beacon of support for contractors in need. Note: Looking for a program that makes life easy at time of audit? No more proctologist type audits? BGES Group offers some!

**Comprehensive Coverage Tailored to Your Needs**

BGES Group stands out by offering an impressive array of 15 plus programs designed to market contractors’ accounts effectively. Whether you require a standalone workers’ compensation policy or a comprehensive plan that includes payroll services and even group health insurance, BGES Group has you covered. The versatility of their offerings ensures that contractors can find the perfect solution to match their unique requirements.

**Competitive Pricing Through Expertise**

What sets BGES Group apart is its expertise in the intricacies of insuring New York contractors. The team at BGES Group understands how to leverage the rules governing New York contractors to their advantage, securing not only great pricing but also the right coverage. With a specialized focus on this niche, BGES Group has established itself as a go-to resource for contractors seeking a strategic approach to insurance that aligns with their business objectives.

**Accessible Anytime, Anywhere**

In the fast-paced construction industry, timing is everything. BGES Group recognizes the need for accessibility and responsiveness. When you partner with BGES Group, you gain the assurance of reaching them day or night. Whether it’s a phone call, email, or text, BGES Group prides itself on prompt responses, ensuring that your queries are addressed in a timely manner.

**Efficiency Redefined: Certificates in Minutes**

BGES Group operates with a commitment to efficiency reminiscent of the “old ways.” While modern technology often introduces delays and barriers in communication, BGES Group reverts to a more direct and immediate approach. Certificates, a crucial aspect of insurance documentation, are usually issued in minutes, showcasing BGES Group’s dedication to providing a swift and streamlined experience for its clients.

**A Personalized Approach in a Digital Era**

In an age dominated by automated systems and impersonal interactions, BGES Group offers a refreshing change. Tired of talking to answering machines and waiting endlessly for email responses? BGES Group is your antidote. The company operates on the principles of direct communication and personalized service, ensuring that you can always connect with a real person when you need assistance.

**Client Satisfaction: A Testament to Excellence**

What better way to gauge a company’s reliability than through the experiences of its clients? BGES Group shines in this aspect, with an impressive 5-star rating from 94 satisfied individuals on Google Reviews. This overwhelming positive feedback underscores the company’s commitment to excellence and its ability to consistently meet and exceed client expectations.

**Connect with Confidence**

For contractors seeking a trusted partner in navigating the complexities of workers’ compensation insurance in New York, BGES Group is the answer. To experience firsthand the benefits of a personalized, efficient, and expertly crafted insurance solution, reach out to Gary Wallach at 914-806-5853 or via email at bgesgroup@gmail.com.

In a world where reliability and responsiveness are paramount, BGES Group stands as a beacon, guiding New York contractors through the intricacies of insurance with unwavering support and a commitment to excellence.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

contractors workers compensation insurance – New York

If you have employees whose work involves the use of chemicals, solvents and other hazardous materials, OSHA requires that you train them in their safe use, transport and storage, and a key component of that is understanding the various labels and warnings.

Not understanding what pictograms on labels mean and the precautions workers need to take when using each hazardous material can lead to fires, explosions and them getting sickened, injured or dying. These pictograms along with labels and safety data sheets (SDSs) are at the heart of injury or accident prevention in workplaces that store and use hazardous materials.

If your operation fits that description, OSHA’s Hazard Communication Standard requires that you have in place safety training and procedures for storing, transporting and working safely with hazardous materials.

The agency’s standard requires employers to use the Globally Harmonized System of Classification and Labeling (GHS), which is the worldwide standard for communicating dangers about hazardous substances.

The GHS is designed to be understandable by everyone through the use of pictograms, which provide uniform details on the nature and degree of hazard of a product. Accompanying labels and SDSs round out the information by providing additional guidance, including the precautions workers need to take when working with these materials.

Training

Training is of utmost importance and employers are responsible for ensuring their employees know how to safely work with hazardous substances specific to their workplaces.

The main elements to focus on are:

Labels: Chemical manufacturers and importers must provide a label that includes the product identifier, supplier information (including name, address and phone number of the manufacturer, importer or distributor). Labels also require each of the following:

• Pictograms — A pictogram is a uniquely identifiable symbol that when you see it, you should be able to identify a specific type of hazard. There are nine pictograms, each of them denoting a certain hazard.
• Signal words — Labels will display either of the following words: “Danger” for the most severe hazards or “Warning” for less severe.
• Hazard statement — This describes the nature of the hazard, including, where appropriate, the degree of hazard.
• Precautionary statement — This describes the actions you must take to prevent adverse effects from exposure to, improper storage of or handling of a hazardous chemical.

Safety Data Sheets: An SDS must accompany each hazardous material in storage or during transport. Under the GHS, these documents come in a standard, easy-to-use 16-section format, which further details the danger of a hazard, how to properly store it, safely handle it and effectively respond in the event of an emergency.

Make sure your employees know exactly where the data sheets are and that they take the time to read them.

During your training, you should cover the GHS and how it works to warn workers about the substances they may encounter. Consider:

• Printing, disseminating and discussing the list of pictograms.
• Printing, disseminating and discussing a sample label to familiarize your employees with what to look for.
• Printing, disseminating and discussing the information on the SDSs for substances in your workplace.
• Discussing which personal protective equipment your staff should wear when working with hazardous substances.
• Discussing how to safely handle and store the substances in your workplace.

If you have a new employee, they should receive training before starting work. As well, if you have a new chemical you’ll be using, you should train your staff in its safe use, transport and storage.

Assistance

Fed OSHA has a plethora of materials and guidance specifically devoted to its Hazard Communications Standard on its website.

Hazardous-material spills or fires can cause severe damage, not to mention seriously endangering your workers and even third parties who work or live near your operation.

Train your workforce in how to use them.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

Holiday parties have made a comeback despite, or maybe because of, more people working remotely. Many managers want to bring their teams together under one roof as it’s become apparent that connecting face-to-face is vital to a vibrant and cohesive work atmosphere.

But if you are planning on throwing a company holiday party, there are a number of considerations for you to keep everyone safe and avoid issues that can result in injuries and/or lawsuits against your organization.

Alcohol can bring trouble

The biggest risks you face arise if you throw a party that serves alcohol. A 2018 survey found that one in three office workers had done something at an office holiday party that they regret, and two in five said they’d seen events at parties evolve into office drama, altercations or scandals.

The best advice is not to serve alcohol at your event. That will greatly reduce the chances of problems like the following:

Bad behavior and conflict — Whenever alcohol is present, personal disputes between coworkers can rise to the surface and things can get ugly. If hostilities erupt, it immediately puts the employer in danger of being sued by one of the parties and others may be drawn into the fracas.

Also, hook-ups between staff are a common occurrence and in this era of smartphones with cameras, those events can be on record forever. While this could lead to real romance, often it makes for an uncomfortable work environment for not only the two workers involved, but for their coworkers as well.

Alcohol-fueled aggressive come-ons can also spill over into outright sexual harassment — another legal peril.

Holiday advice: If it’s an office event, the rules of conduct in the office extend to the party and you should not tolerate those who exceed the boundaries of proper behavior. This should be made clear in party announcements and reinforced through memos.

Drunk driving — If someone has been drinking at your holiday party and injures themselves or others on the drive home, you may be held liable, particularly if you had an open bar and didn’t set limits on how many drinks an employee can be served.

Holiday advice: If you plan on serving alcohol, you should consider:

• Limiting consumption to two drinks. Drink tickets are a good way to go.
• Serving drinks with lower alcohol content (beer/wine — not shots).
• Offering a signature company “mocktail,” and providing water and non-alcoholic beverages.
• Stopping serving at least an hour before the shindig ends.
• Offering plenty of food to snack on, particularly high-carbohydrate and high-protein foods.
• Holding the event at a hotel and offering free rooms to those who want to stay the night.
• Offering free Uber or Lyft rides to your staff so they can get home safely.
• Asking your managers to lead by example.
• Inviting spouses and kids, which should force people to mind their p’s and q’s.

Food safety

The other big issue is food safety. It’s not uncommon for food from a catering service to sicken partygoers.

At an office party, foodborne illness can occur when people eat certain items that were either undercooked or left out at room temperature for too long. Eggs, raw egg products (e.g., eggnog), meat, seafood, and even fruits and vegetables (if not properly washed) are some of the most common offenders. Add to that the possibility of poor hygienic practices by the caterer’s staff.

Holiday advice: To reduce the chances of foodborne illnesses during the festivities:

• Observe the two-hour rule: don’t let foods sit at room temperature for more than two hours. For refrigerated items like deviled eggs, consider putting a few out at a time and replenishing when needed.
• Place hot foods in crockpots, chaffing dishes, or on warming plates to maintain a safe temperature.
• Cover food containers in the buffet line when not in use.
• Use large spoons, forks, wax paper, tongs and other serving tools to avoid touching food by hand.
• If you suspect anything has been out too long, toss it.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

employment practices liability insurance

avoiding lawsuits when having a holiday party

The construction industry has the highest percentage of electrical fatalities out of all industries.

While electricity is a crucial component in a construction project’s success, it poses a risk of harmful shock, horrific burns or fatal electrocution. These accidents can occur when workers come into contact with power lines, wiring, transformers or other electrical machinery.

Fortunately, there are steps that companies can take to minimize the dangers:

Provide protective equipment — Electrical safety starts at a personal level. All electrical work personnel or people working in an area with electrical materials should wear protective gear, such as insulated gloves and footwear.

This provides basic safety if they come into contact with electrical equipment, whether accidentally or intentionally.

Train workers in handling electrical equipment — Electrical mishaps can occur when there is misuse or mishandling of electrical equipment.

Workers should be trained on how to handle and operate the equipment safely. Conduct regular training to ensure your workers don’t become lax when they use the same equipment. 

Use proper testing equipment — Proper testing equipment should be among the essential tools on a construction site.

Voltage detectors, receptacle testers and clamp meters are among the tools every worksite should have to enhance electrical safety and help prevent electrical accidents.

Install the right signage — Lack of awareness can lead to catastrophic electrical accidents. All electrical hazards should be marked to warn your workers of the dangers.

The signs should have labels in language and illustrations that can be easily understood by a layman.

Conduct a risk assessment — Conduct a risk assessment survey of the worksite before operations begin. This will help identify hazards that can compromise electrical safety and allow you to come up with solutions accordingly.

The assessment will also help your team develop a plan on how to lay out electrical infrastructure with safety in mind. The plan should indicate where and how electrical equipment will be placed and how the wiring will be done. 

Use circuit breakers and voltage regulators — Emergencies can occur in case of a power surge, short-circuit or other electrical issue. That’s why it’s essential to have circuit breakers and voltage regulators to cut off power during such situations.

The ability to regulate or shut down power supply on time during a crisis can avert catastrophic damage.

Avoid wet conditions — Electrical equipment and infrastructures in the worksite should be shielded from coming into contact with water at all costs.

This should be done during the planning process. When the equipment comes into contact with water, shut off the power supply immediately. It should be turned back on under a professional electrician’s recommendation.

Organize and insulate all exposed cables — A construction area should never have messy or uncovered power cables. When unorganized, the cables can contact each other, resulting in short-circuiting and possibly fire.

 If left uncovered, workers may accidentally touch them, leading to shock or electrocution. Cover all cables in a construction site with insulating material and organize the cables to enhance electrical safety.

The takeaway

While overall safety is a significant concern in the construction industry, electrical dangers can be contained if the right measures are implemented.

The above tips can help construction firms to boost electrical safety in their operations.

However, all the parties on a construction site must be diligent for maximum electrical safety.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

Spray polyurethane foam has become an increasingly popular insulation material used in residential and commercial construction. According to Fed/OSHA, the use of SPF insulation has increased by 60% in the past five years.

Employers and workers alike should be aware of hazards that are associated with SPF insulation as such products can sicken and cause long-term health problems for workers. Besides the suffering of your employees, this can also result in OSHA fines, higher workers’ compensation rates and productivity problems.

Here’s what you need to know to keep employees working with these substances safe.

Isocyanates

One of the major hazards associated with SPF insulation is worker exposure to isocyanates, a family of highly hazardous chemicals that can irritate the mucous membranes of the eyes and the gastrointestinal and respiratory tracts.

Isocyanates include methylene bisphenyl diisocyanate, toluene diisocyanate, hexamethylene diisocyanate and isophorone diisocyanate. Direct skin contact can also cause marked inflammation.

Symptoms from immediate exposure to isocyanates can include:

• Wheezing
• Fever
• Shortness of breath
• Sore throat
• Chest tightness

Symptoms from longer exposure to isocyanates can include:

• Asthma
• Reactive airways dysfunction syndrome (RADS)
• Hypersensitivity pneumonitis, or inflammation of the lung

Additional hazards

Working in a confined environment when applying SPF insulation in some areas such as crawl spaces and attics can also pose problems. In a confined space, there is always the danger of a build-up of gases or decreased oxygen levels. Employers must follow Cal/OSHA’s confined space entry procedures for this type of work.

Certain conditions can also cause SPF insulation to ignite, such as having an ignition source nearby. 

Once a fire starts, there is also the potential to further release toxic chemicals into the air. To prevent a fire from happening in the first place, make sure workers have adequate ventilation and turn off any sources of ignition (such as gas stoves, pilot lights, dryers and light switches).

If a fire does occur, an ABC fire extinguisher appropriate for SPF should be available when working with this material.

Other chemical hazards associated with SPF insulation are:

• Flame-retardants in the material, which have the potential to build up in the body and are associated with various cancers and reproductive problems in women.
• Solvents, which can impair mental acuity, irritate mucous membranes, and cause headaches and loss of coordination.
• Amines, which irritate the eyes and nose and cause blurred vision.

Safe work practices

To help prevent the risk of injury or death, make sure workers become familiar with these various chemical hazards. Provide them with training and safety data sheets that communicate the hazards of chemical products. The SDS will also list the proper personal protective equipment (safety goggles, chemical-resistant full-coverage clothing, and gloves) recommended by the manufacturer.

Make sure to let building occupants know about the application schedule, chemical hazards and emergency procedures. Employees who are not wearing protective equipment must not be allowed in the work area.

The work area should be:

• Properly ventilated, including an exhaust ventilation system, and
• Isolated with a plastic sheeting to prevent chemical spread.

A respirator is also required when spraying SPF; the employee must be medically evaluated for respirator use, and fit-tested to ensure a proper fit. One of the following types of respirators should be used:

• Full-face supplied air respirator.
• Powered air purifying respirator.
• Full-face respirator with organic vapor cartridges and an N95 filter pad over the cartridges.

After the work is complete, it is typically safe to enter the area when the insulating foam has hardened to the point where it is no longer wet or sticky. This could range from about 12 hours after the end of spraying for unprotected workers, to 24 hours for residents. Conditions may also depend on the temperature, humidity and the amount of foam sprayed.

Good housekeeping is crucial. Clean up the work area, remove protective clothing and wash up immediately.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

The safe use of heavy equipment is critical when machinery such as bulldozers, graders or ground-moving equipment is used in the construction of new homes, bridges, shopping malls or other commercial buildings. 

The size and weight of these heavy machines make them extremely hazardous, and proper operation is required to avoid serious injury or death. Heavy-equipment injuries are a frequent occurrence during the construction of roads and commercial properties in particular, due to the amount of activity taking place.

Even the most experienced of operators may find operating heavy equipment a challenge at times.

Prior to the start of a project, inspect all heavy machinery. Heavy-equipment inspection is crucial in ensuring that everything is in working condition and ready for safe operation. 

But remember: a visual inspection is not enough. Physically check the equipment for issues such as torn belts, worn brakes and hoses, and leaking hydraulics. That means feeling and manipulating the various parts. 

When storing machinery, ensure that the component parts are properly secured or disabled. 

Also, just because equipment is in the “off” position does not necessarily mean it is safe. 

Moving parts such as blades and saws have the potential to cause injury and, when storing away mobile equipment, make sure that brakes are in the locked position. 

The owner’s manuals for the equipment should provide you with detailed information on how to properly secure equipment when not in use.

Construction vehicles

Weather conditions such as rain could cause a shift in the ground under a backhoe, while a strong breeze could affect the balance of a crane. 

In addition, operators should never work while impaired or under the effects of medication — and worksites should be constantly monitored for unsafe operating conditions.

Safety requirements vary depending upon the type of heavy machinery. For example, regulations for operating a bulldozer will differ vastly from those for a forklift or a loader. 

Some machinery also may require the use of a commercial driver’s license and an approved training course. Employees must be properly trained on each piece of equipment that they operate.

OSHA regulations are in place to ensure safe operation. The types of requirements depend on the type of construction activities performed.

As the employer, you have a responsibility for the health and well-being of your employees. Ensuring that you and your employees become familiar with safe work practices with heavy equipment will keep jobsites free of injury.

Here are a few common safety rules for operators and ground-based workers to consider:

Good communication is essential — A standardized set of hand signals should be used by the operator and signal person. Operators should always know exactly where all ground-based workers are located, and the wearing of high-visibility vests will help the operator to locate them quickly. 

The equipment should have a back-up warning alarm that can be heard by all nearby workers. Two-way radios are also valuable communication tools.

Rollover protective structures (ROPS) – Heavy equipment must have a ROPS that meets OSHA requirements. The ROPS is designed to protect the operator if the machine tips over. A seat belt must be worn so that the operator will not be thrown out of the seat during a rollover or upset situation. 

If working on slopes, try to avoid moving across the face of the slope. Operate up and down the slope face if possible. Use extreme caution when operating near open excavations.

Wear hearing protection when required – If it has been determined that noise levels around the equipment could potentially cause hearing loss, always use protective plugs or muffs when working on or close to the equipment.

Never jump onto or off the equipment  — Operators should always use the three-point contact rule when climbing onto or off heavy equipment. The rule means having both feet and one hand, or one foot and both hands, in contact with the ladder access at all times.

Inspect and service the equipment regularly – Complete equipment service in accordance with the manufacturer’s recommendations. Periodic safety inspections on all components of the equipment should be done regularly by qualified personnel.

Inspect the steering system and brake systems carefully. A pre-shift walk-around inspection by the operator is highly recommended.

Injury accidents involving heavy equipment on construction sites have a higher probability of resulting in a fatality than many other types of accidents. It is critical that your workers follow all of your company’s safety rules and procedures when operating or working around heavy equipment.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

Language barriers can present real threats to worker safety, particularly in certain industries that employ a larger share of non-native English speakers.

Only 57% of U.S. agricultural workers in 2019 were born in this country, including Puerto Rico, according to U.S. Census Bureau data. One-quarter of construction workers in 2020 were foreign-born.

Occupations in these industries can be among the most dangerous. Language barriers that prevent effective communication about safe work practices present a significant problem for achieving workplace safety.

OSHA requires employers to train their workers on:

• Injury prevention by performing tasks safely.
• Injury protection by wearing protective clothing and gear.
• Necessary steps after an injury occurs.

Unfortunately, language barriers make effective training on these topics difficult. OSHA requires employers to provide training to employees in “a language and vocabulary” they can understand.

However, simply providing signs and written instructions in non-English languages is not enough.

What employers can do

Here are some measures you can consider taking to overcome language barriers to workplace safety:

Training programs — Depending on how proficient workers are in English, you can modify safety training by:

• Providing training interpreters for workers with low proficiency.
• Speaking more slowly and clearly enunciating words for those who are more proficient.
• Providing visual aids and demonstrations.

Pairing — Have low English-proficiency workers pair with experienced workers who can demonstrate safe practices and supervise their progress.

If resources are limited, this can be done for the first days or weeks of the person’s employment. The more dangerous the work, the longer the pairing arrangement should ideally last.

Interpreters — If a large percentage of the workforce does not speak English, consider hiring interpreters to be on-site. Interpreters can relay instructions and warnings from supervisors to workers in words they understand, while also responding to supervisors in English with worker questions and concerns.

Written content translation — Provide written instructions in multiple languages, appropriate to the specific workforce, for workers who are literate. Keep in mind, however, the possible differences in dialects.

Pay to have employees learn English — If it is within your budget, consider paying for English classes for workers who need them. This may make communication easier and improve employee loyalty.

Hire multilingual employees — Look for employees who, for example, speak both English and Spanish. This puts less of the burden on the non-English speaker and may make the workplace feel more inclusive.

The takeaway

Ideally, language differences should not prevent employers from giving opportunities to earn a living to those who do not speak English.

Providing a workplace that is safe for all employees will reduce workers’ compensation benefit costs and help you hire and retain desirable employees.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group