Contractors – 12 Ways To Improve On Your General & Umbrella Liability Coverage Needs

12 Ways:

  1. We represent GREAT construction insurance programs for New York contractors (we cover the tri-state area).  We have a program that if you fit, can save you up to 50% and provides excellent coverage too!

  2. We have programs for low risk contractors i.e. electricians and plumbers to high risk i.e. restoration and asbestos.

  3. Our pricing can be up to 35%+ less than other companies.  We saved a NYC restoration contractor $100,000+, an upstate demolition contractor $30,000+, a Queens HVAC contractor $26,000.

  4. Unhappy with your Umbrella Liability pricing?  We have a company that   can save you up to 35%+ on pricing.  Coverage is better than most other carriers too!

  5. We are “Construction Insurance Specialists.”  Ninety five percent of our client’s are contractors.  We’ve been insuring contractors since 1981 and unlike most brokers who are order takers, we know what we are doing!

  6. We understand coverage forms, exclusions, restrictions and warranties.  We obtain quotes from companies that best fit your coverage needs.  Note most brokers DO NOT understand the policies they sell.  They obtain quotes, present them to you with a list of exclusions, BUYER BEWARE!

  7. Unhappy with your Workers’ Compensation company?  We have a program that has been around for 20+ years, offers great pricing, coverage and long-term coverage stability.  We also offer every conceivable option available i.e. a program that does not do invasive annual audits…may not have to do an audit at all!

  8. We get the job done when others can’t.  We pull off miracles for contractors with bad losses or considered “High Risk” i.e restoration.  IF YOU ARE NOT HAPPY WITH WHAT YOU HAVE CALL 914-806-5853 NOW…WE ANSWER 7 DAYS A WEEK!

  9. We offer property, builders risk, inland marine, general liability, umbrella liability, cyber, auto, bid & performance bonds, workers compensation, disability and group health.  We also offer personal lines coverages.

  10. We offer quick issuance of certificates.

  11. When you call, you get us on the phone in seconds.  When you email we respond immediately.  When you text we text you right back.  You get to deal with a 42 veteran who treats everyone like a “Very Important Person!”

  12. We are transparent, straight shooters.   We are “Old School” and have integrity, over time you will trust us because we do what we say and do not bull__it.

Here is What Client’s Say About Us:

Elena E.

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!

Richard L

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.

Lawrence A

Gary is one of a kind broker. He always respond to our emails right away. He always do his best to find the right policy for us. It is a pleasure to work with, he is always there when you need him.

Peter D

Gary Wallach and the BGES Group has been vital in updating and offering continuing coverage for our insurance needs. Gary is always extremely helpful and responsive for any questions that arise. He is always willing to explain and provide updates on what may be needed. We at PDA, Inc. are very grateful for the support that he continues to offer us!

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 – 2023 – BGES Group

OSHA Tips for Working Safely During Blizzard Recovery and in Cold Weather

As a bomb cyclone seems to be the new norm every winter in the United States, Fed-OSHA has issued a reminder for workers and their employers to be aware of the hazards associated with storm recovery work and working in cold weather.

Cold and snowy conditions can expose outdoor workers to frostbite, hypothermia and cold stress, all of which can be fatal. On top of that, working in snowy or stormy conditions poses a number of other dangers to outdoor workers, such as more risk of slips, trips and falls, dangerous driving conditions, getting stuck in a vehicle, and more.

As work in these conditions is often harried, safety protocols can easily be overlooked. That’s why it’s important that employers and their workers understand the safety issues they face and mitigate against injury or exposure.

Guarding against exposure

OSHA says employers should monitor the wind-chill temperature to better prepare their employees to work safely.

It is also important to monitor workers’ physical condition during tasks, especially new employees who may not be used to working in the cold, or those returning after spending some time away from work.

Follow these work practices to stay safe in cold weather:

  • Know the symptoms of cold stress: reddening skin, tingling, pain, swelling, leg cramps, numbness and blisters.

  • Dress properly; wear at least three layers of loose-fitting clothing, insulated gloves and boots, and cover your head.

  • Monitor your physical condition and that of your co-workers.

  • Stay dry and pack extra clothes; moisture can increase heat loss from the body.

  • Take frequent breaks in warm, dry areas.

  • Drink warm liquids.

Other dangers

In addition to exposure, there are other winter weather-related hazards that workers may be exposed to, such as falls, slips, exposure, structural collapse, lacerations, struck-by hazards and electric shock.

Dangers facing workers include:

Winter driving — Promote safe driving behavior by ensuring workers recognize the hazards of winter weather driving, for example, driving on snow/ice-covered roads; are properly trained for driving in winter weather conditions; and are licensed (as applicable) for the vehicles they operate.

Work zone traffic safety — Set up work zones with the traffic controls identified by signs, cones, barrels and barriers, in order to protect workers. Workers exposed to vehicular traffic should wear an appropriate high-visibility vest at all times.

Stranded in a vehicle — If a worker is stranded in a vehicle, they should stay in the vehicle and call for emergency assistance if needed. They should notify their supervisor of their situation and not leave the vehicle to search for assistance unless help is visible within 100 yards.

Shoveling snow — During snow removal, in addition to following the tips for avoiding cold stress such as taking frequent breaks in warm areas, workers should warm up before the activity, scoop small amounts of snow at a time and, where possible, push the snow instead of lifting it.

Using powered equipment like snow blowers — Snow blowers can cause lacerations or amputations when operators attempt to clear jams with the equipment turned on. Workers should never attempt to clear a jam by hand.

Instead, they should first turn the snow blower off and wait for all moving parts to stop, and then use a long stick to clear wet snow or debris from the machine, keeping their hands and feet away from moving parts. 

Preventing slips on snow and ice — To prevent slips, trips and falls, employers should clear walking surfaces of snow and ice and spread de-icer, as quickly as possible after a winter storm.

In addition, workers should wear insulated and water-resistant boots with good rubber treads when walking on snow or ice is unavoidable. Keeping a pair of rubber over-shoes with good treads which fit over your street shoes is a good idea during the winter months.

Workers should take short steps and walk at a slower pace so they can react quickly to a change in traction, when walking on an icy or snow-covered walkway.

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

OSHA Tips for Working Safely During Blizzard Recovery and in Cold Weather

Tips for Filing Business Insurance Claims

There are many issues that can cause setbacks for businesses. Electrical fires can damage inventory and equipment as well as shut down a business temporarily. Customer injuries can lead to lawsuits, natural disasters can destroy property and burglaries can result in thousands of dollars of losses in equipment and valuables.

After any of the above events you’ll have to file a claim with your insurer. But if you aren’t prepared, take too long to file your claim or fail to document all of your losses, you may not receive a full claims payout. You can avoid that by following these tips:

Gather all the information — Before you file a claim, you have to first understand what happened, because the insurer and your claims adjuster will need detailed accounts of the event and circumstances leading up to it.

Look at the insurance policy to see if there are any other necessary steps to take. Some policies include instructions about what to do if certain types of insurable losses occur.

Don’t procrastinate during this time. It’s important that you quickly collect and document all the pertinent information.

File a claim with your insurer — The most efficient way to get your claim started is by contacting the insurance carrier directly.

The best way to get the claim underway is by visiting your carrier’s website and going through their claims process. Many offer a convenient online method, but also provide an 800 number to call if you prefer to speak to someone one-on-one.

Whether you do it online or over the phone, you will be walked through the claims intake process. Be prepared to provide the information you gathered in the first step because your insurance company will need to know all the details about what and when it happened to properly assess your claim.

Most insurers will contact you within 24 to 48 hours after you file your claim.

Inform us of the claim — Once your claim has been started, it’s now time to inform us, your insurance agent. In addition to answering any questions, we can explain your coverage and properly set expectations for what’s to come.

Additionally, if your claim has any complexity or nuance, we will be able to work with the carrier and/or provide useful advice and guidance.

Create an inventory of losses — While you wait for the claims adjuster to contact you or for them to come out to assess the damage, you can work on creating an inventory of your losses.

This is essential for providing a clear picture of the loss or damage. Include descriptions of items, their original values and estimated current values. It is also helpful to include a description about the condition of the item before it was damaged.

If it is possible to photograph the damaged items, take photos for the insurer. Find copies of any receipts for damaged items.

It is also helpful to do a walk-through of the damaged area with a video camera or a cell phone video camera. Videos help show the damage live and from multiple angles. Use them to supplement photo files.

Show proof of the loss Insurers require policyholders to sign sworn statements that show proof of their losses, and the required information must be sent along with the statement. This statement must be made and signed within 60 days of the insurer’s first request for it.

Make temporary repairs if needed — If temporary repairs must be made to prevent further damage or to protect other assets, they can be completed before the adjuster surveys the property. Do not order any unnecessary repairs.

The only types of temporary repairs that should be made are those that will prevent further damage or prevent a possible liability. For example, a temporary roof repair may be necessary to prevent it from collapsing and injuring people, or a broken window may be fixed to prevent rain from coming into a building and causing water damage.

Since repairs are included in the settlement, keep receipts for any services and items purchased. For contracted work, obtain two written bids from separate companies before hiring someone.

The takeaway

Always stay organized when going through the claims process. Keep all papers accessible, and have information ready in the event that an agent or adjuster calls.

When talking to any repair companies or other related parties on the phone, keep track of calls and the reason for the calls. Save receipts for any items that are purchased in relation to the damage. To learn more about what to do during the claims process, give us a call.

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

2022: The Wild Year of Natural Catastrophes

The year 2022 was one of the most tumultuous climate disaster years in history, a year when we saw the massively destructive Hurricane Ian, an unprecedent number of tornadoes, growing wildfires in the West and a “bomb cyclone” in late December.

And the increasing number of natural disasters is not just a U.S. phenomenon. It’s happening around the world.

According to a report by Swiss Re Institute, the research arm of the reinsurance giant, insured catastrophe damage totaled $115 billion globally for 2022, although total economic losses were much higher at $260 billion.

The increasing frequency and intensity of these natural disasters in the United States, combined with soaring inflation, supply chain issues and labor shortages, is also having a knock-on effect on homeowner’s insurance prices.

There were 15 billion-dollar weather and climate disasters in the first nine months of 2022 alone:

  • Southern tornadoes: March 30

  • Southeastern tornadoes: April 4-6

  • Severe weather in the South: April 11-13

  • Western fires: Spring through fall

  • Severe weather in the South and Central U.S.: May 1-3

  • Hailstorms in north-central U.S.: May 9

  • Severe weather in north-central U.S.: May 11-12

  • Hailstorms in north-central U.S.: May 19

  • Severe weather in Central U.S.: June 7-8

  • Central derecho (an inland hurricane): June 13

  • Severe weather in north-central and Eastern U.S.: July 22-24

  • Flooding in Kentucky and Missouri: July 26-28

  • Hurricane Fiona: Sept. 17-18

  • Hurricane Ian: Sept. 28-30

  • Western drought and heatwave: All year

And just to cap the year off, we had the Christmas bomb cyclone (known as Winter Storm Elliot) that threw a blanket of arctic freeze across large swaths of the country, causing an estimated $5.4 billion in insured losses in 42 states, according to Karen Clark & Co.

There are a few things to note about the list of calamaties. You’ll notice that some of these events were “severe weather” that didn’t qualify as a hurricane or derecho. But these severe weather events are starting to have as much destructive force as these primary perils.

Much of the weather the U.S. is experiencing is more intensive and far-reaching than before. The nature of hurricanes is also changing: these storms have typically caused wind and storm-surge damage, but as they grow wetter, they are now causing more rain and flood damage on top of the other damage.

And hurricanes are bringing flooding far beyond the coasts and into the central parts of states such as in Florida and the Carolinas, according to the Swiss Re report.

Drought is also a serious issue, particularly how it affects wildfires and water supplies. Years of low rainfall and overuse have left the Colorado River a shadow of its former self, resulting in record low levels in Lake Mead and Lake Powell, the sites of two main dams that may soon stop producing electricity for millions of people.

According to the Sept. 27, 2022 “U.S. Drought Monitor” report, about 51% of the contiguous U.S. was in drought, up about 5.4% from the end of August. Drought conditions expanded or intensified across portions of the Mississippi Valley, central and northern Plains, Northwest, Southeast and parts of the Great Lakes.

The fallout

As of this writing, the full-year insured costs of weather disasters in the U.S. had not been calculated, but modelers predict the total property and infrastructure damage would be nearly $100 billion. Through the first nine months of 2022, total losses due to property and infrastructure damage reached $29.3 billion.

Those figures don’t include Hurricanes Fiona and Ian, the latter of which caused an estimated $65 billion in insured damage. Hurricane Ian was the year’s costliest catastrophe and the second-largest insured loss on record after Hurricane Katrina.

These events, plus the cost of repairing and rebuilding buildings and infrastructure also on the rise thanks to increasing material and labor costs, are having a knock-on effect on homeowner’s insurance.

Homeowner’s insurance rates rose 12.1% on average nationwide in 2022 from the year prior, according to Policygenius. However, people living in disaster-prone areas are seeing much higher rates. In the case of Florida and California, some people are unable to find insurance for their homes or face two-, three- or four-fold increases in their rates.

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