Workers’ Comp Premium Fraud: Don’t Do It

Workers’ compensation premium fraud is costing honest employers millions of dollars every year – and endangering workers who are frequently exposed without workers comp protection.

Most people are familiar with fraudulent claims of injury on behalf of workers who fabricate or exaggerate their injuries to collect claims they aren’t entitled to.

That’s small potatoes next to employers who commit premium fraud.

In one recent case, California prosecutors announced the arrests of three individuals – Osvaldo Molina, 40, of Fresno, Fortino Galeno, 46, of Fresno, and Alicio Galeno, 41, of Los Angeles – for committing workers comp insurance fraud via their company, Floor Care Systems. The company solicited other businesses to clean their store and showroom floors, generally at night.

According to prosecutors, these men had concealed over $5 million in payroll from their insurance carrier. Molina and Fortino Galeno were each charged with 61 felony counts. Alicia Galeno was charged with 23 felony counts. Prosecutors alleged that they paid workers under the table, failed to pay them minimum wage or overtime by both federal and state laws, and even locked employees in their worksites without supervision. According to the State of California, the fraud has cost insurers an estimated $782,000 in workers’ compensation premiums and caused the State to miss out on $187,000 in withholdings.

In a similar case last year, the Liberty Mutual Insurance Company obtained a $1.4 million judgment against a company called Viking Industrial Security. In that case, Viking had maintained a false set of books. One set had a very small payroll, and that was what they disclosed to their insurers and tax officials. That payroll was much smaller than their actual payroll. The fraud scheme was detailed and deliberate.

In that case, the insurance company got a court order to download the company’s computer records, including its QuickBooks records. This court order allowed Liberty Mutual to prove the payroll fraud, and get a handle on the amounts at stake.

Viking’s owners compounded their error by attempting a fraudulent conveyance. That is, they attempted to transfer assets out of their corporation into a brand-new entity. The transfer had no legitimate business purpose other than to shield them from Liberty Mutual. This is illegal, and the courts entered a judgment against the new entity as well as against Viking.

This kind of fraud is much more difficult to detect than worker fraud. But the dollar amounts involved can be substantial.

Workers comp premium fraud, by its very nature, is almost always accompanied by tax evasion, including payroll tax fraud. While prosecutors come down heavy on fraud, the courts have taken a particularly hostile attitude toward employers who illegally withhold payroll taxes and who fail to deposit Social Security and Medicare taxes with the IRS. Don’t count on your corporation to separate your assets from your business assets, if you are guilty of this kind of fraud. Courts can and do routinely “pierce the corporate veil,” disallowing the limited liability benefits of corporations and LLCs to attack the personal assets of business owners who commit this kind of fraud.

Workers’ compensation fraud is generally governed by state law, so specifics vary with your jurisdiction. Business owners who commit egregious violations of the law are subject to severe fines and long jail terms, in addition to whatever civil penalties may apply. If a worker is injured, the business and possibly the owner who allowed the workplace fraud generally face liability for the worker’s cost of treatment.

And that’s before the IRS gets done with you for payroll tax fraud. 

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 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 into 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 – 2024 – BGES Group

Navigating Professional Liability Insurance Claims in the Construction Industry

Understanding professional liability insurance in construction

Professional liability insurance in construction, also known as errors and omissions insurance, protects professionals in the construction industry from claims of negligence. Here’s what you need to know about professional liability insurance coverage for construction projects:

  1. Coverage: Professional liability insurance covers claims related to errors, omissions, or negligence in professional services provided.
  2. Importance: This type of insurance is crucial as it provides financial protection against legal costs and damages resulting from professional mistakes.
  3. Claims Process: When a claim arises, notify your insurance provider immediately and provide all relevant details to initiate the claims process.
  4. Policy Limits: Be aware of the policy limits and ensure your coverage aligns with the scope of your professional services to avoid being underinsured.
  5. Risk Management: Implementing risk management practices can help mitigate claims and maintain a favorable claims history for future insurance coverage.

 

Types of claims covered under professional liability insurance

Professional liability insurance typically covers various types of claims that can arise in the construction industry. Here are some common types of claims that are usually included in professional liability insurance policies:

  • Negligence Claims: Accusations of professional negligence or errors in design, planning, or construction.
  • Misrepresentation Claims: Allegations of providing inaccurate information or misrepresenting facts.
  • Delay Claims: Disputes related to project delays and their impact on deadlines and costs.
  • Contractual Claims: Breach of contract or failure to meet contractual obligations.
  • Design Errors Claims: Claims related to mistakes or flaws in the design phase of a construction project.

Understanding the types of claims covered under your professional liability insurance can help you navigate potential challenges effectively.

Importance of having professional liability insurance

Construction is a risky business, and mistakes happen. Having professional liability insurance is crucial for construction professionals. It protects you in case a client claims errors or negligence in your work. Here’s why having professional liability insurance is important in the construction industry:

  • Financial Protection: If a client sues you, the insurance covers legal fees and potential settlements, saving you from significant financial loss.
  • Credibility: Clients are more likely to trust and hire contractors who have professional liability insurance, as it shows a commitment to quality work and responsibility.
  • Peace of Mind: With insurance, you can focus on your work without worrying about potential claims impacting your business and reputation.
  • Industry Requirement: Many clients and contracts mandate that contractors have professional liability insurance, making it essential for business growth and project opportunities.

Steps to take when filing a claim

Contact your insurance provider immediately after the incident to start the claim process. Collect all relevant documentation, such as incident reports and photographs, to support your claim. Be prepared to provide a detailed account of what happened and any damages incurred. Cooperate with your insurance company’s investigation and any assessments they require. Keep communication lines open with your insurance adjuster and respond promptly to any requests for information.

Common challenges in navigating professional liability claims

Navigating professional liability insurance claims in the construction industry can be tricky due to various challenges that might come your way. Here are some common hurdles you might face:

  1. Complex Legal Procedures: Understanding the legal jargon and procedures involved in professional liability claims can be overwhelming.
  2. Resolving Disputes: Finding common ground between parties involved in the claim can be a challenge.
  3. Ensuring Fair Compensation: Getting the rightful compensation for damages or losses incurred can sometimes be a lengthy and tedious process.
  4. Documentation Requirements: Keeping track of all the necessary documents and evidence to support your claim is crucial but can be time-consuming.
  5. Navigating Insurance Policies: Understanding the fine print of insurance policies and coverage limitations can be daunting.

When dealing with professional liability insurance claims in construction, it’s essential to understand how to work effectively with insurance adjusters and legal experts. Here are some key points to consider:

  • Insurance Adjusters:

  • They assess claims and determine the compensation amount.

  • Be prepared to provide detailed documentation and evidence to support your claim.

  • Communicate clearly and promptly with the adjuster to ensure smooth processing of your claim.

  • Legal Experts:

  • They can provide valuable guidance on navigating complex insurance claim processes.

  • Seek legal advice early on to understand your rights and responsibilities.

  • Work closely with legal experts to ensure that your claim is handled in a fair and efficient manner.

Documentation required for a successful claim

To make a successful claim for professional liability insurance in the construction industry, you will need to gather important documents to support your case. Here are the essential pieces of documentation required:

  • Contractual agreements: Any contracts or agreements related to the project in question.
  • Project plans and specifications: Detailed documents outlining the scope and requirements of the project.
  • Correspondence: Communication such as emails, letters, or meeting notes that document interactions related to the claim.
  • Change orders: Any modifications or changes made during the course of the project.
  • Inspection reports: Reports from inspections conducted during the project.
  • Photos or videos: Visual evidence that supports your claim.
  • Bills and invoices: Financial records related to the project costs.
  • Any other relevant documentation: Any additional paperwork or records that support your claim.

Resolving disputes and negotiations

When it comes to resolving disputes and negotiations in the construction industry, it’s crucial to have a clear understanding of your professional liability insurance coverage. Professional liability insurance, also known as errors and omissions insurance, can help protect you in case of claims related to mistakes or negligence in your work. Here are some key points to keep in mind:

  • Communicate openly with your insurance provider to ensure you understand your coverage.
  • Seek legal advice if you encounter disputes that may lead to claims against your policy.
  • Engage in negotiations with all parties involved to find a resolution that is fair and reasonable.
    Remember, proactive communication and a thorough understanding of your insurance policy are essential when navigating professional liability insurance claims in the construction industry.

Case studies of successful insurance claims in construction

Successful insurance claims in the construction industry often involve thorough documentation of the incident, clear communication with the insurer, and prompt action. For example, in one case study, a construction company experienced significant delays due to inclement weather, resulting in a successful claim for project interruption coverage. Another case study highlighted the importance of proper investigation and evidence presentation in a liability claim for defective workmanship. In the construction industry, successful insurance claims are typically the result of proactive measures and collaboration with experienced professionals.

Tips for avoiding future claims and maintaining insurance coverage

To avoid future claims and keep your insurance coverage intact in the construction industry, it’s crucial to prioritize safety measures and maintain clear and detailed records of all projects and interactions. Here are some tips to help you navigate professional liability insurance claims smoothly:

  • Regularly conduct thorough safety inspections on job sites to prevent accidents and potential claims.
  • Communicate openly and transparently with clients, subcontractors, and suppliers to avoid misunderstandings that can lead to disputes.
  • Keep detailed documentation of all project-related communication, contracts, changes, and approvals to provide evidence in case of a claim.
  • Prioritize ongoing training for employees to ensure they adhere to industry best practices, reducing the likelihood of errors that could result in claims.

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 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 into 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 – 2024 – BGES Group

New York construction insurance

Contractors Insurance – How Too Better Your Situation In 2024

Questions to ask. Things to know.

1. Is your liability policy preventing you from getting jobs?  Lots of contractors are unaware how bad their liability policies are. Brokers are selling these policies and in our opinion, they are doing an incredible disservice to the construction industry. How many of you work with general contractors, and owners? Are they asking you to sign contracts? Do you know if your policy covers what they require in their contract? Let’s face it most insurance companies do not want to pay claims and their policies are designed to do just that. Is your policy one of the real lousy ones?  

2. Is your insurance agency “Construction Specialists” or “Generalists?”  Do they 

insure tens, or hundreds of contractors or just a few? Ever ask?  Working with a “Generalist” can be hazardous to your wealth. The exclusions, restrictions, and special forms included in policies are designed to “PROTECT THE INSURANCE COMPANY.” For example, “Blanket Additional Insured” may not cover all parties you agreed by contract to insure. You find out when there’s a claim. “We” know how to protect YOU!                                                                                                                          

3. Are your liability policies through a “Surplus Lines” or “Main Street” carrier? “Main Street” is better however these types of carriers won’t insure most New York contractors. The way you may be able to get insurance through one of them is by using their “Preferred Agents.” We happen to be “Preferred Agents” for several companies and can get jobs done when others can’t.

4. For New York contractors there are programs only a few select agencies represent. These programs offer better pricing and coverage. If you are paying over $75,000 for your liability policies it’s important to have access to these programs. Due to our size, reputation, and experience, we are appointed with just about all the programs and can give you access to them.                                                                                                                                                                   

BGES GROUP REPRESENTS “THE BEST” CONTRACTOR INSURANCE PROGRAMS FOR THE STATE OF NEW YORK (WE COVER TRI-STATE AREA). WE  OFFER “THE TOP 10” SURPLUS LINE CARRIER PROGRAMS. CALL 914-806-5853 AND GET A QUOTE TODAY! YOU CAN ONLY IMPROVE ON WHAT YOU HAVE AND LOWER YOUR RATES!  YOU CAN ONLY BENEFIT BY CONTACTING US!

5. Use subcontractors? Under your liability policy(s) what are the conditions for your subcontractor insurance? Are you in compliance with them? Most aren’t that is why your broker must help you screen their policies. Because construction is our specialty we have organizations set up to screen client subcontractors. Very important!                                                      

6. You sign plenty of contracts. Does your broker help review contracts to make sure your contractor insurance is in compliance with their insurance requirements?  We help clients with contract reviews. One missed coverage can cause a payment issue or uncovered claim. Very important!         

7. Let’s take a break from discussing liability insurance.  Let’s talk about Workers’ Compensation.  Have employees who work out of state weeks at a time? Is your policy set up to cover them?  Insured through a state plan?  If so, there’s a chance you WILL NOT have proper coverage for a claim occurring out of state that is filed in that state.                                                                                                          

Example: You are a contractor who takes a job in New York. The job lasts 5 weeks. You have coverage through your state’s plan. Employee sustains a back injury. He hires an attorney and files a claim under New York’s worker’s compensation laws. Most likely your plan will deny claim or only pay according to your state’s benefit laws. Can you afford $50,000, $100,000, $250,000+ out of pocket? Do you want to deal with his attorney for years and the financial drain it will cause?                                                                                                                                    

Note: Many contractors who work out of state are faced with this problem and do not even realize it. We have a GREAT solution.                                                                                                                                 

8. Worker’s Compensation Premium Recovery – Would you like to get money back from your past seven (7) year carriers? Could be tens of thousands of dollars! We can review your policies and if we find mistakes, get you your money back. We do not charge any upfront fees for this service. We work on a contingency fee basis. You just sign three documents and we do all the work! This should be a no-brainer.                                                                                                                             

9. Bonding – Is your insurance agency “Bonding Experts?” Have a “Bonding” Department? Do they represent the TOP bonding carriers? Do they have relationships with bonding carriers dating back 50+ years? If you need higher limits, better rates, less hassle, and better service, you must deal with OUR bonding department.                                    

10. Business Auto Policy – Unhappy with your rates? Looking for ways to lower them? We represent all the TOP carriers for construction auto insurance needs.

Okay, that’s it for now! Hope we have some valuable information. A new avenue you can pursue. We are good at what we do. In 2024 it’s not a bad idea to be with an organization that specializes in construction. By doing so you will be better protected and save money.

Now read about BGES Group and keep us in mind for ALL your insurance needs.

About Our Agency:

  • We are construction insurance specialists.
  • Been insuring contractors since 1981.
  • Our organization insures hundreds of contractors.  
  • We have programs for New York City contractors (we cover NY, NJ, and CT) that just a handful of agencies have.
  • We have purchasing leverage and can get you excellent rates.
  • On any given day we have a great pulse on the marketplace. If there is a new program out there that you can benefit from we will find it.
  • We have a program to screen all your subcontractor’s insurance policies so you don’t have to do it.
  • We offer Property, General Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Workers’ Compensation, N.Y.S. Disability, Group Health, and Personal Lines (Homeowners, Personal Auto, Personal Umbrella, Boat, Jewelry, Fine Arts) insurance policies.

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

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

Special Contractor Insurance Programs (NY, NJ, CT) – We have 50+ insurance companies for marketing 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, and 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 canceled 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 – 2024 – BGES Group

The Difference Between a Binder and a Certificate of Insurance

When you have business insurance policies you will often hear talk of your insurance binder and your certificate of insurance, but do you know the difference?

A binder is a contract of insurance. It’s called a binder because it “binds” your coverage creates an insurance contract and is used temporarily until the policy is issued.

A certificate of insurance is a form of proof of insurance warranting that you have coverage for a specific period.

Binders

An insurance binder is a brief document that serves as a temporary insurance policy. It remains in effect for a short time, typically 30 to 90 days. A binder dissolves once the policy is issued.

Binders will often be required by lenders when a business takes out a loan. For example, if you are buying a new building and taking out a loan, the lender will often require you to insure the building against physical damage under a commercial property policy and will want to see the binder as proof of that coverage.

A binder may be issued by an insurance company or by an insurance agent on the insurer’s behalf. An agent can issue a binder only if they have been afforded binding authority (the authority to initiate coverage) by the insurer.

Insurance brokers don’t have binding authority because they don’t serve as representatives of insurers. A broker may issue a binder, but the document will not be valid until it is signed by an underwriter or other authorized representative of the insurer.

A binder provides general information about your company, your insurer, and your agent. This includes:

  • Your agent’s name, address, and contact information
  • Your company’s name and address
  • Name of your insurer
  • Binder number
  • Binder effective dates
  • Policy number
  • Description of your operations, vehicles, or property to be covered.

A binder is typically divided into sections, each applicable to a specific type of coverage, such as general liability or workers’ compensation. For each coverage you have purchased, the binder should list the limits provided, the coverage forms that will be included, and key endorsements that will be attached to your policy.

Certificate of Insurance

A certificate of insurance is a single-page document that lists active, in-force insurance policies for a business.

Certificates of insurance are often requested when one business engages the services of another and wants proof that the other business has secured the necessary coverage. 

A standard certificate will list all of your coverages, the name of the insurance company, and the policy’s effective date and expiration.

A certificate of insurance contains separate sections for different types of liability coverage listed, such as general, auto, umbrella, and workers’ compensation. “Insured” refers to the policyholder, namely the person or company who appears on the certificate as being covered by the insurance.

In addition to coverage levels, the certificate includes:

  • The policyholder’s name.
  • The policyholder’s mailing address.
  • A description of what is insured.
  • The name and address of the insurance company, as well as contact information for the insurance agent or broker or their contact person.

Having a certificate of insurance shows potential clients or business partners that your organization is insured. That means that in the event of an unforeseen scenario like an injury or property damage, there is minimal risk of out-of-pocket payouts or unpleasant and expensive litigation, for you or your customer.

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 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 into 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 – 2024 – BGES Group

8 Forklift Mishaps and How to Avoid Them

Forklift trucks can be dangerous if they are not operated with care, and it is essential that employees who drive them adhere to safe standards of operation.

According to the National Safety Council, forklifts were the source of 73 work-related deaths in 2022 in the U.S. and 24,960 worker days away from work.

To help you keep your forklift operators sharp, you may want to include this list of the top eight forklift accidents and how to avoid them.

Not knowing the forklift’s load capacity — Carrying a load that is too heavy is a sure-fire way of making the vehicle unstable. Operators should be aware of their forklift’s capacity before they begin to operate it by looking at the data plate found on the truck.

The plate should contain all of the relevant information and should not be tampered with in any way.

Not being aware of your route — Prior to an operator moving through a workplace that has a complex layout or a particularly dynamic environment, they should familiarize themselves with the route and any obstacles they may encounter.

In particular, they should look for any narrow passages or areas where there may be movement that could hinder their progress.

Operating with an unsecured load — Some loads are unstable. For example, a pallet is flat and quite easy to secure, whereas something with an odd or unsymmetrical shape can be more of a challenge. Operators should take extra care when moving objects that could be prone to toppling or affecting maneuverability. 

Not communicating with other workers — Warehouses can be very busy environments, and with so many people trying to accomplish their own tasks, it is important to maintain a high level of communication.

Operators should alert their co-workers in advance about what they are doing and where they plan to go.

Slipping on entry or exit from the forklift —Slips and trips are the most common cause of workplace injuries, and they can happen when entering or exiting a forklift.

Drivers should wear suitable footwear that is not slick with any substances before using the machinery.

Speeding — Speed kills, including with forklifts. And since they are heavier than the average car, they can cause plenty of damage. Moving at a speed that is improper for the forklift or environment is a common cause of accidents in the workplace.

Your drivers should be instructed to limit their speed. Consider installing a device that restricts the forklift’s speed.

Parking incorrectly — Operators should park their vehicles in authorized areas only, where other employees will expect to find stationary forklifts. Remind drivers to lower the fork to the floor, set the direction controls to neutral, lower the parking brake and turn the ignition off. 

Misuse of vehicles — Warn employees to resist any temptation to use forklift trucks for anything other than their specified purpose, no matter what the situation dictates.

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 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 into 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 – 2024 – BGES Group

Workers compensation insurance New York

Are You a New York, New Jersey and Connecticut Business Owner Looking for a New Workers’ Compensation Policy?  We Offer Many of The Best Programs Available.  Call Gary Wallach at 914-806-5853 for Help.

Running a business comes with its fair share of challenges, but for many New York, New Jersey, and Connecticut business owners, obtaining workers’ compensation coverage can feel like navigating a maze without a map. The complexities of insurance policies, coupled with the specific needs of different industries, often leave entrepreneurs feeling overwhelmed and underserved. However, there’s a beacon of hope amidst the confusion: BGES Group, one of Tri-State’s leading workers’ compensation specialists.

With a commitment to obtaining new coverage for business owners with the least amount of hassle, BGES Group stands out as a trusted partner for businesses of all sizes. Here’s why Tri-State business owners are turning to BGES Group for their workers’ compensation needs:

1.   Industries We Specialize At:

A. Auto Service

B. Contractors especially in New York

C. Limousine Services

D. Manufacturers

E. Moving & Storage Agent

F. Truckers

G. We can help any business owner                                                                                                     

2.   Multiple Options: BGES Group offers access to up to 20 workers’ compensation programs, ensuring that business owners have ample choices to find the policy that best suits their needs. Whether you’re a small startup or a large corporation, BGES Group can navigate the market to secure competitive quotes tailored to your business.                           

3.    Flexible Payment Structures: Say goodbye to hefty upfront deposits. One of BGES Group’s insurance company payment programs requires just a $200 deposit to get started, with monthly payments made on a pay-as-you-go basis. Another requires a first-year deposit then no renewal deposits. Another splits payments into 12 equal monthly installments. Our companies offer payment flexibility which allows businesses to manage their cash flow more effectively and obtain coverage with the least amount of obstacles.                                                                                                                   

4.    Integrated Payroll and Workers’ Compensation: Simplify your administrative tasks by combining payroll and workers’ compensation through one of BGES Group’s represented payroll/workers’ compensation programs. With competitive rates and seamless integration, these solutions streamline processes and reduce the burden on business owners.                                                                                                                                 

5.    Specialized Coverage for High-Risk Industries: From roofers to interior demolition to asbestos abatement contractors, BGES Group understands the unique risks faced by high-risk businesses. Their specialized programs provide comprehensive coverage tailored to the specific needs of each business owner, ensuring peace of mind for both employers and employees.                                                                                                          

6.    Comprehensive Insurance Packages: Unhappy with your Group Health insurance?  BGES Group offers programs that combine payroll, workers’ compensation, and group health insurance. This comprehensive approach not only simplifies administration but also ensures that businesses have all their insurance needs covered under one roof.                                                                                                                        

7.    Tailored Solutions for Retail and Service Industries: Retail stores, beauticians, dry cleaners—whatever your business may be, BGES Group can get you coverage. Their extensive network of insurance providers allows them to secure coverage for just about any business owner.                                                                                                      

8.    Assistance for Businesses with Claims History: Is poor claim experience causing you trouble getting new coverage?  BGES Group can help business owners with claims get new coverage. We have helped accounts with claims over one million get a new policy.                                                                                                                                                         

9.    Simplified Audits: Tired of dealing with insurance companies whose audit process is brutal?   BGES Group has programs that simplify the process, making it MUCH easier for businesses to complete their audit and avoid unnecessary headaches.                                                                                   

10. Superior Service and Support: When you work with BGES Group, you’re not just getting an insurance policy—you’re gaining a trusted partner committed to HELPING YOU and making life easier. We are known for our responsive service, quick certificate issuance, and transparent fee structures, ensuring that you always have the support you need when you need it most.                                                                                                                                    

11. Your Partner in Success: Whatever challenges you may be facing, BGES Group is here to help. With their expertise and dedication to simplifying the insurance process, they take the hassle out of finding coverage, allowing you to focus on what matters most: growing your business.                                                                                                          

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, 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, and 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 there to help YOU!  

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, or whatever your issue, we can help! We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, and Truckers, we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that if we can get you into their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The 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 – 2024 – BGES Group

construction insurance

Five (5) Ways for New York Contractors To Better Their Liability, Auto, and Workers’ Comp Policies!

Has your insurance agency become so big that you no longer like the service you’re receiving?  CONTRACTOR ALERT!  Thousands of N.Y. contractors are being serviced by large, factory-like offices that cannot keep up with their workflow. Inexperienced personnel are servicing accounts.  Clients are constantly being shuffled among customer service representatives.  Renewal policies are not being properly checked. Accounts are not being remarketed as they should.  Large policy and service fees are being added.  No one answers their phone. 

What can you do?

  1. Work with BGES Group who are  “New York Construction Specialists.”                           
  2. If you are, STOP working with your large, factory-like office.  BGES Group offers “Mom and Pop” service.  Call, we answer, no waiting.  Email, we email you back.  Text, we text you right back. Need a certificate, we do it in minutes.  Have a problem just call between 5:30 am to 10 pm and we answer.  We are always helpful, there when you need us, easy to deal with, nice, trustworthy and make life easier not harder.  Every so often you find a “Diamond in the Rough” who is so out of the ordinary and just great to work with.   That’s us!                                                                                                          
  3. Industry Secret:  There are a lot of inexperienced people working for insurance agencies. They have so much work they don’t have time to think.  They make lots of mistakes. Your account is not being properly serviced and we mean in a comprehensive type way.                                                                                                                                       BGES Group offers the opposite experience.  You deal with one person who has 43 years of experience, who constantly is in contact with you, and who knows what they are doing.
  1. Would you like your account re-marketed as needed?  Would you like to work with an agency that is constantly trying to save you money and better your coverage?  Would you like to eliminate $1,000 to $5,000+ policy fees?  Would you like to work with an agency that operates like a “Mom and Pop” office and services your account the old-fashioned way, where you are just not a dollar bill but a person who becomes like family and who you can trust?  BGES Group is then who you should be working with.
  1. How often does your agency make coverage recommendations?  Do they help you set up a procedure for screening subcontractor’s insurance?  Do they help with reviewing contract insurance provisions?  How about putting together a written safety manual? When you have questions do you feel your account executive knows what they are talking about?  At BGES Group you work with one person who has 43+ years experience and is not just book but street smart too.

In ending several well-known insurance companies are non-renewing all their New York Workers’ Compensation policies.  If you’ve received notice that your policy is being canceled, contact us and we will help you find new coverage.  We are great at solving issues like poor loss experience, high experience modifications and contractors that are sick of their company’s audits and want better.  We can help!

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, 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 property, builders risk, inland marine, contractor general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  We are extremely responsive, responsible, trustworthy, and 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 there to help! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, or whatever your issue, we can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, logistics companies, Manufacturers, Recyclers, and Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program if we can get you into their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The 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 – 2024 – BGES Group

Workers comp insurance

Is Your Workers’ Compensation Policy Being Canceled?

Here’s How We Can Help You

BGES Group is one of Tri-State’s Workers’ Compensation specialists. We are VERY easy to deal with because:

  • You will be dealing with the same person every time you call who will make your life easier and who knows what they are talking about
  • We represent 50+ insurance companies and special programs for the industries listed below, especially New York Contractors
  • Whatever issue’s you face, i.e. poor loss experience, lapse in coverage, we can help
  • We answer the phone in seconds when you call
  • We respond to emails in minutes
  • We respond to texts immediately
  • We are available to speak in the day or evening
  • We get the job done when others can’t

We have programs for:
Auto Services
Contractors especially in New York – We have programs that will ensure asbestos, demolition, and roofers
Limousine Services
Manufacturers
Moving & Storage Agents
Truckers

Problems We Can Help You Solve
* Getting lower rates
* Poor loss experience causing difficulty getting new coverage
* Being canceled or non-renewed
* Sick of having to do invasive annual audits
* Payrolls misclassified
* Operating out of state and your company can’t cover you
* Having to come up with a 10% to 25% renewal deposit – We have a plan that requires just $200 to bind coverage then you pay as you go
* Takes too long to get certificates of insurance
* Sick of paying extra policy fees or service fees
* Poor agency service
* Whatever your problem we can help

Types of Plans Available
* Stand a Lone Workers’ Compensation Policy
* Combined Payroll and Workers’ Compensation Plan
* Professional Employer Organization (PEO) – These can combine Workers’ Compensation, Payroll and Group Health
* State and Assigned Risk Plans – Avoid a lot of the headaches working with government plans. Let BGES Group do the servicing

Here’s What People Think About Us:

Sarah S.

Gary is a considerate and honest guy. I have nothing but respect for him and 5 stars isn’t enough.

Nick S.

Over 20 years of excellent relationship that has met all our insurance needs.

Steve S.

My previous Workers Comp insurer was always trying to reclassify employees to put them in higher risk groups to raise the premium (despite no claims in over 5 years). Broker at the time wasn’t helping. Gary was recommended by a friend and did a phenomenal job. Found a new insurer for less money who then, a year later, further reduced premium after the audit! I’m now paying 40% less than I used to and only 1/4 of what my old insurer wanted to jack the rate to.

SANJA C.

Gary is a great, responsible, professional…someone you can rely on. I would highly recommend him.

George K.

Since I transferred my insurance policy to BGES Group I have saved a lot on the rates and the service is first class. Always get immediate responses to all my needs. It’s an A Plus from me.

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!

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, 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, and 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 THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, or whatever your issue, we can help! We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, logistics companies, Manufacturers, Recyclers, and Truckers, we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The 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 – 2024 – BGES Group

New York Business Owners: Need a New Workers’ Compensation Policy?

Are you a New York business owner looking for new Workers’ Compensation insurance?

BGES Group offers programs for:

· Auto services
· Contractors including asbestos, demolition, and roofers
· Limousine services
· Manufactures
· Moving and storage agents
· Truckers
· We can help any company

BGES Group prides itself on our ability to obtain competitive rates for clients while providing coverage that is tailored to their specific needs. For example, we have a program that’s been around for 24 years that can cover a lot of New York contractors from low risk such as an electrician and plumbers to high risk such as interior demolition and roofer. Regardless of the industry you are in, we can find you a policy.

Tell us your concerns. Whether they’re finding lower rates or replacing coverage, we have 40+ insurance companies to market your account to.

By the way, when you call we answer the phone. No more dealing with answering systems, being placed on hold, with people who are nice but don’t know much about insurance. Our service is fantastic…go read our “Google Reviews” to see what others think. Call or text Gary Wallach at 914-806-5853 day or evening, whenever it’s most convenient for you!

We offer programs that:

  1. Require just a $200 deposit to bind coverage.
  2. Where you go online every month and report payroll and pay based on past month’s payroll. When payrolls are less you pay less, when they are more you pay more.
  3. Offer policies where you pay in monthly installments.
  4. Offer payroll/workers’ compensation programs that can insure contractors, limousine services, movers, truckers just about any type of company.
  5. Offer payroll, workers’ compensation, and even group health coverage.
  6. Offer coverage for business owners who have had a run of bad luck loss-wise. We’ve been able to obtain coverage for accounts that have had $1 million plus in losses at competitive rates.
  7. Offer state and assigned risk plans that ensure no business is left without coverage.
  8. Tell us what you are looking for and we can go and get it for you.

To learn more about how we can help you secure the right workers’ compensation policy for your business, contact Gary Wallach today. You can reach him by calling or texting 914-806-5853, or by emailing bgesgroup@gmail.com.

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, and 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 there to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, or whatever your issue, we can help! We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, logistics companies, Manufacturers, Recyclers, and Truckers, we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program if we can get you into their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The 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 – 2024 – BGES Group

Misclassification of Employees is Payroll Fraud. Here’s How To Stay Out of Trouble

The Internal Revenue Service and Department of Labor have been going after employers who misclassify employees as independent subcontractors – and the construction industry is squarely in their crosshairs.

In late 2011, the DOL and IRS entered into a formal agreement of cooperation in sharing information and data in order to enforce employment laws. If you have been improperly failing to withhold income taxes and contribute the employer portion of the Social Security and Medicare taxes, and failing to pay unemployment insurance premiums and workers compensation premiums for people functioning as employees, and one of them complains to the Department of Labor, you can expect the IRS to get wind of it, too.

Additionally, if you are using an unlicensed contractor, and closely directing their work, the Department of Labor and IRS will consider this individual to be an employee, not a contractor. If that person is injured while functioning as an employee, the employer is liable… and you had better have workers compensation insurance in place.

The distinction is especially critical in the construction industry, because of the innately hazardous nature of the workplace. Independent contractors are generally expected to provide their own insurance. Employees are not, but are covered under their employers’ plan. Failure to comply with employee classification laws risks employees falling through the cracks – and severe consequences for employers.

A Pervasive Form of Fraud

The deliberate misclassification of employees as independent contractors is an epidemic form of payroll fraud in the construction industry – and law enforcement at both the federal and state level nationwide are focusing resources on eradicating it.

Some studies indicate that as many as one worker in twenty is misclassified as a contractor when he should be considered an employee – and that companies that do misclassify workers as independent contractors do so routinely. Among employers that have been caught conducting this kind of fraud, they do so for an average of 40 percent of their workers.

This creates a substantial pricing advantage for dishonest contractors – and makes it that much more difficult for legitimate construction contractors to compete on a level playing field.

The practice also severely undercuts the industry as a whole, according to some observers and market participants. Marek Brothers Construction CEO Stan Marek maintains that as long as dishonest contractors circumvent wage and hour laws, there is no viable career path for young people who might otherwise consider going into the construction industry. “We will never attract young men and women into the construction industry until there is a career path,” he told a panel of Texas legislators and regulators. “There’s a tremendous need for skilled workers. A lot of kids don’t want to go to college. But if the construction industry is dominated by businesses that exploit workers, Texas kids aren’t going to sign up… It is a cancer that is eating the industry. It is killing us.”

Penalties for Payroll Fraud

It’s not just federal officials cracking down on employee misclassification and payroll fraud – state governments are also going after employers practicing this form of fraud, and a number of states have actually increased penalties in recent years.

Companies caught committing payroll fraud are typically charged back taxes and interest by both the IRS and state revenue officials. Companies are also fined up to hundreds of dollars per day per worker not covered by workers compensation insurance. Construction firms have also been hit with on-the-spot ‘stop work’ orders when state inspectors discover workers on site who aren’t covered by workers compensation. This can lead to cost overruns, time delays and uncomfortable conversations with customers and prime contractors upstream.

In egregious cases, people have been sentenced to prison time.  For example:

On September 6, 2012, in Richmond, Va., Mark S. Holpe, of Midlothian, Va., was sentenced to 18 months in prison and fined $40,000 for evading the payment of employment taxes on unreported cash wages he paid employees of Nature’s Way Landscaping, Inc. Holpe pleaded guilty to evading the assessment of $326,196 of employment taxes. Holpe worked for Nature’s Way, a business that did residential and commercial landscaping in the Richmond metro area. He was originally the president, but became the treasurer in 2007 when he sold a portion of the business. In entering his plea, Holpe acknowledged that the company had two groups of employees during tax years 2006 through 2009. Holpe admitted that he paid one group of approximately 30 employees $2,132,000 in cash wages during that period, without withholding social security taxes.

Staying out of Trouble

It is true that there is substantial gray area in defining who is an employee vs. who is an independent contractor. The IRS has published a 20-point series of tests to help determine how a worker should be properly categorized. In the construction industry, a lot of it comes back to who is holding the license: If you hire an unlicensed contractor, and you are directing their work and telling them what to do on a daily basis, and they are operating under your license, this is clearly an employee.

If that worker is injured, the employer is liable, and if workers compensation insurance is not in place, the medical costs could potentially push an employer into bankruptcy – even before back taxes, penalties and possible criminal prosecution is taken into account.

By way of further examples, your independent contractor may legally be an employee if any of the following factors apply:

  1. You provide tools, training and/or materials for the job.
  2. You are closely directing what time the worker or workers must show up on the job.
  3. You are ‘counseling’ workers in writing about tardiness or other disciplinary issues.
  4. You are dictating methods. Contractors don’t tell subcontractors how a job is to be done – they just define the scope of work and leave it to the subcontractor how best to complete it. If you tell someone how to do a job, rather than just describing the end state, chances are you could be turning them into a legal employee.
  5. You expect any kind of exclusivity.
  6. Do you require any kind of company-provided training?
  7. Do you pay transportation expenses or provide transportation for these workers?
  8. Do you reserve the right to terminate the worker at will?

The complete IRS 20-factor test can be viewed here.

Note that not all 20 factors need apply for the IRS, Department of Labor or state officials to determine that an employment relationship exists. Officials can and have determined that an employment relationship exists even when just a few of the 20 factors apply. Meanwhile, if there is any doubt or gray area, it’s important to address it immediately – and maintain legally required workers compensation, medical and other coverage until you are certain you are engaged in a bona fide contractor-to-contractor relationship, rather than an employer/employee relationship.

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 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 into 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 – 2024 – BGES Group