For business owners in New York, New Jersey, and Connecticut, managing workers’ compensation insurance can be a daunting task—especially when payroll fluctuates from month to month. That’s where BGES Group comes in. They offer a unique workers’ compensation insurance program that provides a solution tailored to businesses with varying payrolls. This program not only simplifies the payment process but also improves cash flow, giving business owners peace of mind.

Flexible Payment Based on Actual Payroll

One of the standout features of this program is its flexibility. Business owners can bind their coverage for just $200 upfront, making it easy and affordable to get started. Then, instead of paying a lump sum based on projected payroll, you report the past month’s actual payroll online. Your premium is calculated based on the actual wages paid, not estimates—ensuring you’re only paying for the coverage you need.

This pay-as-you-go structure is particularly beneficial for businesses where payroll fluctuates from month to month, such as seasonal industries, construction companies, or any business that sees variation in its workforce size. By adjusting your premium based on real numbers, you’ll avoid overpaying during slower months or being hit with surprise charges after an audit.

Boosts Cash Flow and Streamlines Operations

Cash flow is the lifeblood of any business, and traditional workers’ compensation programs can sometimes tie up more capital than necessary. With this flexible payment plan, your premium expenses align more closely with your revenue flow, which helps you better manage your business’s cash flow.

Since the premium is paid based on what you actually paid in wages, you don’t need to worry about large upfront costs or year-end audits that come with hefty adjustments. This makes it a great option for businesses looking to improve financial predictability.

Multi-State Coverage for Expanding Businesses

If your business operates in multiple states, this program can be adapted to your needs. BGES Group can ensure your workers’ compensation coverage extends beyond just New York, New Jersey, and Connecticut. Whether you’re growing into new markets or managing multiple locations, this program offers comprehensive, multi-state workers’ compensation solutions.

Financially Secure Insurance Provider

Choosing the right insurance carrier is crucial to ensuring that your workers are protected and your claims are paid. The insurance provider backing this program has an excellent financial rating, so you can rest assured knowing you’re working with a company that is stable and reliable. With top-tier financial strength, you can count on them to be there when it matters most—whether you’re filing a claim or requesting a certificate of insurance.

Immediate Access to Certificates of Insurance

In today’s fast-paced business world, having immediate access to certificates of insurance can make all the difference. With BGES Group’s program, you can generate certificates of insurance within minutes. Whether you need to show proof of coverage for a new client, project, or contractor, you’ll have your documents at your fingertips, streamlining your operations and allowing you to focus on what matters—growing your business.

Why BGES Group?

BGES Group has a reputation for providing first-class service, tailored to the unique needs of Tri-State business owners. Known for their “Mom and Pop” boutique-style service, they offer a level of personal attention that’s hard to find elsewhere. Their expertise in workers’ compensation insurance, combined with a hands-on approach, means you’ll have a trusted partner to guide you through the process, answer your questions, and ensure that you’re getting the best coverage at the most competitive rates.

At BGES Group, they don’t just sell insurance—they build relationships. Their team takes the time to understand your business and provide customized solutions that meet your specific needs. Whether you’re a small business owner or managing a growing enterprise, BGES Group’s workers’ compensation experts are here to make sure your business is protected, your cash flow is optimized, and your peace of mind is secured.

For more information or to get started with this game-changing workers’ compensation insurance program, contact Gary Wallach at BGES Group at 914-806-5853. Let them help you protect your business with a solution that works for you.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Workers’ compensation insurance is essential for protecting your business and employees from the financial burden of workplace injuries. However, when it comes to business owners, the rules can vary based on your business structure and location. In New York and New Jersey, whether business owners are included or excluded from workers’ compensation coverage depends on the entity type and specific state laws. Here’s a breakdown of how these rules apply to sole proprietorships, partnerships, corporations, and LLCs, along with what to do if you want to secure coverage for owners.

Workers’ Compensation Insurance in New York

Are Business Owners Included or Excluded?

– Sole Proprietorships and Partnerships: In New York, sole proprietors and partners are excluded from workers’ compensation coverage by default. They are not required to be covered under their business’s workers’ compensation policy unless they choose to opt in.

– Corporations: Officers of corporations in New York are included for coverage under the state’s workers’ compensation laws, but they have the option to exclude themselves if they do not wish to be covered. This allows flexibility for corporate owners who may not want or need this coverage.

– LLCs: Members of LLCs in New York are excluded from workers’ compensation coverage unless they explicitly choose to include themselves. This mirrors the rules for sole proprietors and partners, where the owner can decide whether or not to be covered.

How to Secure Coverage for Excluded Owners

If you are a business owner who is excluded from workers’ compensation by default but wishes to be covered, you can opt in by informing your insurance provider. This step will ensure that owners, partners, or members are covered in the event of an on-the-job injury. Opting in is particularly important for owners who actively work in the business and face potential workplace hazards.

What Happens if Excluded Owners are Injured on the Job?

If an excluded business owner is injured on the job, they would not be eligible for workers’ compensation benefits to cover medical bills or lost wages. In this case, they would need to rely on:

– Personal Health Insurance: The owner’s health insurance may cover medical expenses, but there can be exclusions for work-related injuries.

– Disability Insurance: Separate disability coverage may be needed to help with lost wages, but this requires prior setup.

– Out-of-Pocket Payments: Without adequate coverage, the owner may face significant personal costs for medical treatment and lost income.

Workers’ Compensation Insurance in New Jersey

Are Business Owners Included or Excluded?

– Sole Proprietorships and Partnerships: Similar to New York, sole proprietors and partners in New Jersey are excluded from workers’ compensation coverage by default. However, they can opt in if they want coverage.

– Corporations: Officers of corporations in New Jersey are included in workers’ compensation coverage by law and cannot opt out, unlike in New York. This means that corporate officers must have coverage under the business’s workers’ compensation policy.

– LLCs: In New Jersey, LLC members are excluded by default, but they can choose to opt in if they want coverage, much like in New York.

How to Secure Coverage for Excluded Owners

In New Jersey, sole proprietors, partners, and LLC members who are excluded by default but want workers’ compensation coverage can elect to opt in by notifying their workers’ compensation insurance provider. This ensures they are protected in the event of a workplace accident.

What Happens if Excluded Owners are Injured on the Job?

If a business owner who has not opted into workers’ compensation coverage is injured while working, they will not be eligible for workers’ compensation benefits. They would need to rely on:

– Health Insurance: Personal health insurance may cover medical expenses, though there may be exclusions for workplace injuries.

– Disability Insurance: A separate disability insurance policy may be necessary to cover lost wages.

– Personal Savings or Out-of-Pocket Costs: Without proper insurance, the owner may have to cover both medical expenses and lost income themselves.

Why Business Owners Should Turn to BGES Group for Workers’ Compensation Insurance

Navigating the complexities of workers’ compensation insurance for business owners can be challenging, especially when you need to determine whether to include or exclude yourself from coverage. At BGES Group, we are one of the Tri-State area’s workers’ compensation insurance specialists. Our team understands the unique needs of business owners across industries and can help you tailor a policy that fits your specific situation.

Whether you need to ensure coverage for yourself or your employees, BGES Group can guide you through the process and provide expert advice on how to opt in or out of workers’ compensation coverage, ensuring your business is fully protected.

Contact Gary Wallach at BGES Group for personalized assistance with your workers’ compensation insurance needs. Call 914-806-5853 or email bgesgroup@gmail.com to get started today. Protect yourself and your business with the right coverage from BGES Group.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Contractors across the Tri-State area need insurance coverage they can rely on, and BGES Group has earned a reputation as the go-to insurance partner for many in the construction industry. From personalized service to competitive rates, here are ten reasons why Tri-State contractors love working with BGES Group for their business insurance needs.

1. Mom-and-Pop Style Boutique Service

One of the key reasons contractors trust BGES Group is the personalized, boutique-like service we provide. At BGES, you aren’t just another client — you’re treated like family. When you call, you get us on the phone immediately, without the hassle of automated systems or long wait times. We’re here to help, every time.

2. We Know the Construction Industry Inside and Out

At BGES Group, we specialize in insurance for contractors. Our deep knowledge of the construction industry allows us to tailor policies that address the specific risks you face, ensuring that your business is fully protected. Whether it’s workers’ compensation, general liability, or umbrella insurance, we have the expertise to cover all your needs.

3. Competitive Pricing

Contractors appreciate the competitive pricing BGES Group offers. We work tirelessly to ensure that you’re getting the best coverage at the best price. Our clients consistently report significant savings when switching to BGES, without compromising on the quality of their coverage.

4. Instant Support When You Need It

In the construction business, time is money. We understand that, which is why we prioritize immediate support for our clients. Whether you have a question about your policy, need to file a claim, or require assistance with certificates of insurance, BGES Group is ready to assist you at a moment’s notice.

5. Access to Special Programs

BGES Group provides access to specialized insurance programs that are hard to find elsewhere. For instance we have a workers’ compensation program for higher-risk contractors, including those in roofing and demolition. These programs offer robust coverage that’s tailored to meet the unique challenges of your industry.

6. Transparent and Honest Communication

We believe in full transparency with our clients. When you work with BGES Group, you’ll never be left in the dark. We take the time to explain every detail of your policy, ensuring that you fully understand your coverage and feel confident in your insurance decisions.

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Unhappy with Your Workers’ Compensation Coverage?

BGES Group has access to 20+ companies and can find you better   at savings of up to 30%. One plan offers group health insurance, probably benefit plans that are better then what you now have, with major, well known carriers.  Program’s negotiated rates with each carrier are probably up to 30% lower then what you now are paying. Contact Gary Wallach today at 914-806-5853 to explore your options and start saving. ___________________________________________________

7. Personalized Solutions for Every Contractor

Every contractor’s business is different, and we treat it as such. BGES Group doesn’t believe in one-size-fits-all policies. Instead, we take the time to understand your business and provide insurance solutions that fit your specific needs. Whether you’re a small operation or a large firm, we’ve got you covered.

8. Outstanding Claims Support

Filing insurance claims can be a hassle, but BGES Group makes the process as smooth as possible. We offer full support during the claims process, helping you navigate every step and ensuring your claims are handled quickly and efficiently. Our contractors trust us to be there when they need us most.

9. Savings Up to 30%

Many of our clients report saving up to 30% on their insurance premiums after switching to BGES Group. We work with a wide network of insurance providers to find you the best deals without compromising on coverage. You can protect your business and your bottom line at the same time.

10. Rave Reviews from Satisfied Contractors

Our clients’ experiences speak for themselves. Here’s what some of our contractors are saying about BGES Group in their Google reviews:

– “Gary Wallach and his team are incredibly responsive. Anytime I need something, they are just a phone call away. I’ve saved a ton on workers’ compensation insurance with their help.”

– “I’ve been with BGES Group for over five years, and I can’t say enough good things. They treat me like family, and their knowledge of the construction industry is second to none.”

– “BGES Group’s customer service is excellent. They’ve helped me secure insurance for my construction business at rates far better than I was getting before. Highly recommend them!”

– “If you’re a contractor looking for insurance, BGES Group is the only place to go. They offer personal service, competitive rates, and truly know what they’re doing.”

– “Gary Wallach and the BGES team have been an incredible asset to my business. They understand what we need, and they’re always available to help. I wouldn’t go anywhere else for my insurance.”

Contact Gary Wallach at BGES Group

If you’re a Tri-State contractor in need of reliable, affordable, and personalized insurance solutions, BGES Group is here to help. Call Gary Wallach today at 914-806-5853 to discuss your business insurance needs and discover how we can save you time, money, and stress.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Navigating the world of workers’ compensation insurance can be complex, especially for general contractors. This guide aims to break down everything you need to know, in simple, easy-to-understand terms. We’ll explore the essentials of workers’ compensation insurance, its benefits, how it works, and why it’s crucial for general contractors.

Workers’ compensation insurance is a type of coverage that provides benefits to employees who suffer job-related injuries or illnesses. This insurance helps cover medical expenses, lost wages, and rehabilitation costs. It acts as a financial safety net for both workers and employers by offering a structured way to handle workplace incidents.

In the construction industry, physical labor brings a high risk of injuries that could place a tremendous financial burden on your business. For instance, if a carpenter has an accident with a nail gun, it could lead to hefty medical bills and downtime. Workers’ compensation insurance ensures that such incidents don’t cripple your operations Workers’ comp insurance for contractors & construction businesses.

2. Why General Contractors Need It

For general contractors, having workers’ compensation insurance is not just a legal requirement but also a smart business move. It protects your business from lawsuits and ensures that your workers are taken care of in case of injury.

Workers’ compensation insurance is required in most states for construction businesses with employees. This policy covers medical costs and lost wages for work-related injuries and illnesses, acting as a crucial protective measure Why It Is Not In Your Best Interest To Buy Worker’s Compensation Directly from an Insurance Company. Having this coverage can save you from significant financial setbacks and maintain the trust and morale of your workforce.

3. Coverage Details

Workers’ compensation insurance typically covers medical expenses, disability payments, and costs associated with rehabilitation and retraining. It can also provide death benefits to the families of workers who are fatally injured.

Additional coverages, like employer’s liability insurance, protect construction businesses when an employee decides to sue a business owner over an injury. This may include attorney’s fees, court costs, and settlements, adding another layer of security for your business workers’ compensation insurance for general contractors.

4. Legal Requirements

The specific requirements for workers’ compensation insurance can vary by state. However, most states mandate that businesses carry this insurance if they employ a certain number of workers.

In the construction sector, stricter regulations often apply. For instance, roofing contractors and other high-risk trades are usually required to have workers’ comp coverage regardless of the number of employees 8 Facts About Workers’ Comp That May Surprise You. Therefore, staying informed about your state’s requirements is crucial to avoid legal repercussions.

5. How it Works

When an employee is injured on the job, they report the injury to their employer, who then files a claim with their workers’ compensation insurance provider. The insurer evaluates the claim and, if it’s approved, covers the employee’s medical expenses and lost wages.

The claims process involves several steps, including reporting the injury, completing required paperwork, and submitting medical documentation. Being thorough and prompt can help speed up the resolution of claims, ensuring that employees get the care they need without unnecessary delays Claims Process Simplified.

6. Benefits of Workers’ Compensation

The benefits include financial protection for your business, ensuring employees receive timely medical care, and contributing to a safer workplace environment by encouraging safety protocols.

Beyond just covering medical expenses and lost wages, workers’ compensation insurance can also help in reducing your business’s overall risk exposure. Implementing robust safety programs and training can lower the frequency of claims, thereby reducing your premiums over time Benefits of Workers’ Compensation.

7. Challenges in Obtaining Coverage

General contractors may face challenges such as high premiums or difficulty in finding providers willing to offer coverage, especially for high-risk work environments.

High-risk professions like construction often encounter more hurdles in obtaining affordable workers’ comp coverage. Insurance companies may view these businesses as risky investments, leading to higher premiums challenges in obtaining coverage. It is critical to work with an experienced broker who understands your specific needs and can find the best policy for your circumstances.

8. Factors Affecting Premiums

Premiums are influenced by factors such as the nature of the work, the company’s claims history, and the number of employees. High-risk jobs and a history of frequent claims can lead to higher premiums.

Other considerations that affect workers’ compensation premiums include the classification rate of the job, the payroll size, and the experience modification rate (EMR) workers’ compensation insurance. Maintaining a clean safety record and implementing effective risk management strategies can significantly lower your premium costs.

9. Reducing Your Premiums

Implementing stringent safety measures, providing proper training, and maintaining a good claims history can help reduce the cost of your workers’ compensation insurance premiums.

Educating your employees on safety protocols, conducting regular safety audits, and investing in safety equipment can also play a significant role in lowering your premiums. For instance, offering incentives for maintaining a clean safety record can motivate employees to adhere to safety guidelines diligently.

Additionally, working with an insurance broker to review your policies annually can help identify potential savings and ensure you are not overpaying for coverage Review policies annually.

10. Claims Process Simplified

Filing a claim typically involves reporting the injury, filling out required paperwork, and submitting medical documentation. The smoother and more transparent the process, the quicker the resolution.

Training your staff on the importance of prompt and accurate reporting can streamline the claims process. Providing clear guidelines on how to report injuries and whom to contact can also minimize delays and ensure that all necessary documentation is gathered efficiently.

11. Common Misconceptions

Many believe that workers’ compensation insurance only benefits employees. However, it also protects employers from potential lawsuits and significant financial losses.

Another common misconception is that only large businesses need workers’ compensation insurance. In reality, even small businesses can face severe financial consequences in the event of a workplace injury. Furthermore, having this insurance can enhance your business’s reputation and credibility Key pitfalls to avoid.

12. Employee Responsibilities

Employees must report injuries promptly, follow medical advice, and provide honest and accurate information during the claims process to ensure they receive appropriate benefits.

Failing to report injuries promptly or providing misleading information can lead to claim denials. Encourage your employees to document incidents thoroughly and communicate openly with their supervisors about any workplace injuries to expedite the claims process.

13. Employer Responsibilities

Employers are responsible for maintaining a safe work environment, promptly reporting injuries, cooperating with the insurance provider, and keeping accurate records.

Regularly reviewing safety protocols, conducting safety audits, and providing training can help in mitigating risks and reducing the number of claims. A proactive approach towards safety can enhance workplace morale and productivity while lowering insurance costs Why employers need to maintain safety.

14. Impact on Business Operations

Proper management of workers’ compensation insurance can lead to fewer workplace injuries, reduced downtime, and improved employee morale, which in turn enhances overall business productivity.

Ensuring your business has the right coverage not only keeps your company legally compliant but also builds employee trust and loyalty. A well-handled workers’ compensation policy can make your business more attractive to skilled workers, highlighting your commitment to their safety and well-being.

15. Future Trends

Emerging trends in workers’ compensation insurance include the use of technology for faster claims processing, data analytics to predict and prevent injuries, and personalized insurance plans tailored to specific businesses.

The integration of artificial intelligence (AI) and machine learning is transforming the industry by providing insights into risk assessment and claims management. These technologies help in accurately predicting potential risks and automating routine tasks, thereby enhancing efficiency and reducing operational costs technology trends in workers’ compensation. Embracing these innovations can give your business a competitive edge while ensuring a safer work environment.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group
 

1. “You want to avoid drama? Go with BGES.” 

Jerry would say, “Do you want your insurance claims to be like a Seinfeld episode? Full of misunderstandings, confusion, and people yelling at each other? No! You want BGES to handle it, so it’s smooth, no sitcom-level problems!”

2. “BGES won’t leave you hanging like George Costanza’s career!” 

Larry would point out that unlike George’s never-ending search for stability, BGES Group gives you rock-solid insurance coverage without the constant failure.

3. “Using BGES Group is like finding a great bagel place in the city. You stick with it!”

Jerry would insist that once you experience the unbeatable service at BGES, you won’t want to switch to any other insurance agency. Like a great bagel, it’s rare and worth holding onto.

4. “BGES Group doesn’t need ‘sponge-worthy’ clients—they take care of all contractors!”

Larry would joke, “Elaine had to pick and choose who was sponge-worthy, but BGES Group? They don’t make you prove you’re worthy of coverage. You’re in! And fully protected.”

5. “BGES will cover your business like George covers his bald spot—only better.” 

Jerry would remind you that BGES won’t leave gaps in your coverage like George leaves gaps in his excuses.                                                                            

TRI-STATE CONTRACTORS: UNHAPPY WITH YOUR PAYROLL SERVICE, WORKERS’ COMPENSATION OR GROUP HEALTH INSURANCE PROGRAM? WE OFFER A GREAT PROGRAM WHERE YOU CAN SAVE UP TO 30%+. CONTACT GARY WALLACH AT 914-806-5853 OR BGESGROUP@GMAIL.COM FOR MORE INFORMATION

6. “BGES protects you from accidents better than I protect my cereal collection.”

Jerry, a lover of cereal, would say, “I trust BGES to guard my business as fiercely as I protect my vintage cereal boxes. They keep your claims safe and secure.”

7. “Want to avoid lawsuits? BGES handles them faster than Kramer’s hair gets crazy.” 

Larry would warn that, just like Kramer’s hair, lawsuits can spiral out of control. But with BGES, your legal worries are tamed and handled quickly.

8. “BGES is the opposite of one of my stand-up sets. You won’t be asking, ‘Is this ever going to end?’”

Jerry would quip that with BGES Group, there’s no dragging things out. They resolve your issues fast—no long waits like in one of his slow-build jokes.

9. “BGES protects you from construction disasters like I protect my parking space—ruthlessly!” 

Larry would mention how parking in New York is serious business, and so is your insurance. You don’t want your job site turning into a legal mess; BGES has you covered better than Larry defends his parking spot.

10. “Don’t be a Newman! Choose BGES, and avoid the headache of bad insurance!” 

Jerry would remind you: just like you don’t want Newman ruining your day, you don’t want bad insurance ruining your business. Go with BGES, and skip the hassle.

BGES Group are one of Tri-State’s Workers’ Compensation insurance specialists. If you’re unhappy with the agency you now use, contact Gary Wallach, and he will 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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

It’s a story that feels straight out of a sitcom. Remember when Larry David’s wife left him for their contractor? Poor Larry! Sure, it was just a plotline in “Curb Your Enthusiasm”, but it got us thinking: What is it about contractors that has women falling head over heels for them? And why did Larry’s wife ditch him for the allure of sawdust and blueprints, not to mention Jeff, Susie and Leon?

As a Tri-State contractor, you might be laughing at the idea, but you might also be nodding along. Let’s dive into the fun reasons why women fall in love with their contractors—maybe it’ll offer some insights, or at the very least, give you something to smile about.

1. They Get Things Done

  There’s nothing more attractive than someone who gets results. Contractors come in, assess the situation, and start fixing problems that have been bugging homeowners for years. It’s not just the completion of a job that’s swoon-worthy, it’s the can-do attitude that gets things moving.

2. They Bring the Vision to Life

  Contractors have the power to turn a house into a dream home. For many women, seeing a contractor bring their ideas to life, whether it’s a new kitchen or a remodeled bathroom, is like watching an artist at work. It’s hard not to be captivated by someone who transforms dreams into reality.

3. They’re Problem Solvers

  The sink is leaking, the walls need repair, and there’s that mystery draft by the window—contractors have the answers. This problem-solving superpower makes them incredibly appealing. Who doesn’t love someone who can fix things when they go wrong?

4. They Take Control

  For some, there’s something undeniably attractive about a person who takes charge. Contractors are leaders, organizing teams, managing projects, and making sure everything runs smoothly. That kind of confidence can sweep anyone off their feet.

5. They’re Skilled with Their Hands

  Let’s face it: there’s something inherently attractive about someone who can work with their hands. Contractors are masters of their craft, whether it’s swinging a hammer, laying tile, or building a deck. Skill, precision, and a hands-on approach have a certain charm.

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ATTENTION CONTRACTORS – UNHAPPY WITH YOUR PAYROLL SERVICE, WORKERS’ COMPENSATION OR GROUP HEALTH INSURANCE PROGRAM? WE OFFER A GREAT PROGRAM WHERE YOU CAN SAVE UP TO 30%+. CONTACT GARY WALLACH AT 914-806-5853 FOR MORE INFORMATION

________________________________________________________________________________________________

6. They Understand the Importance of Communication

  Good contractors know how to listen and communicate with their clients. They listen to what homeowners want, offer suggestions, and keep the lines of communication open throughout the project. This understanding and partnership often creates a bond of trust—and sometimes, affection.

7. They Have a Plan

  Contractors don’t just walk in without a plan. They’ve got a timeline, they know what needs to be done, and they’ve already mapped out the best way to achieve it. For many women, a man with a plan is simply irresistible.

8. They Work Hard

  There’s a certain appeal to watching someone who works tirelessly to complete a job. Contractors spend long hours on site, ensuring that every detail is perfect. Their work ethic and dedication are often admired and respected, and sometimes, that admiration turns into something more.

9. They Transform Spaces—And People’s Lives

  Contractors don’t just remodel homes; they remodel lives. When a woman sees her home being transformed from ordinary to extraordinary, it’s easy to feel a sense of gratitude and connection with the person responsible for that change. And sometimes, that connection sparks something deeper.

10. They’re Confident in Their Abilities

    Confidence is always attractive, and contractors are often brimming with it. They know their craft, they’ve got the experience, and they’re not afraid to tackle even the toughest jobs. A man who knows what he’s doing and isn’t afraid to take on a challenge? That’s a recipe for admiration.

—

So, while Larry David may have seen his wife run off with the contractor, maybe it wasn’t all that surprising. Contractors have the skills, confidence, and charm that make them hard to resist!

Now, if you’re a Tri-State contractor and you need a different kind of help—like with your business insurance—look no further than BGES Group, one of the Tri-State’s contractor insurance specialists. Not only can we help you with construction insurance, but we can even help you come up with crazy articles like this one! Contact Gary Wallach at BGES Group today to learn more about how we can support your business.

After all, you’re already winning hearts—let us help you win at business too! Call Gary at 914-806-5853 or email him at bgesgroup@gmail.com.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

In today’s competitive business environment, managing payroll, workers’ compensation, and group health insurance is more than just processing payments and filing paperwork—it’s about ensuring compliance, enhancing employee satisfaction, and mitigating risks. BGES Group understands these challenges and offers a comprehensive program designed to streamline these essential functions, making life easier for employers while providing robust support for employees. Here’s a closer look at what our program offers:

Seamless Payroll and HR Management

Employee and Manager Self-Service Platform: Empower your team with easy access to their payroll information, benefits, and other HR-related documents through our user-friendly self-service platform. Managers can also track and manage their team’s performance and attendance with ease.

Online Onboarding and Enrollment: Simplify the onboarding process with our online tools that allow new hires to complete their paperwork and enroll in benefits from any device, anywhere. This ensures a smooth and efficient start for your new employees.

Access to Training Modules: Our program includes essential training modules on topics like HIPAA compliance, sexual harassment prevention, and personal protective equipment (PPE) use. These trainings help maintain a safe and compliant workplace.

PTO Tracking: Accurately track paid time off (PTO) for all employees, ensuring that everyone’s leave is recorded and managed according to your company’s policies.

Standard and Custom Reporting Packages: Whether you need standard payroll reports or customized analytics, our program provides a range of reporting options to meet your needs. This includes reports on payroll, deductions, benefits, and more.

Applicant Tracking System: Manage the hiring process from start to finish with our applicant tracking system, which helps you identify and onboard the best candidates quickly and efficiently.

HR Reports and E-Verify: Stay on top of your HR obligations with detailed reports, including census, payroll, and benefits information. Our program also integrates with E-Verify to ensure your workforce is legally authorized to work in the United States.

New Hire Reporting and Time and Attendance (Add-On): Automatically report new hires to state agencies and track employee time and attendance with our optional add-on services.

Comprehensive HR Support

Employee Handbook: Develop and maintain a compliant and up-to-date employee handbook that reflects your company’s policies and state regulations.

Multi-State Compliance: If your business operates in multiple states, our program ensures compliance with varying state laws and regulations, so you don’t have to worry about missing critical updates.

Employee Onboarding and Orientation: Our program guides you through the onboarding process, ensuring that all new employees receive a consistent and comprehensive introduction to your company.

Benefits Funding Guidance and Strategy: Our experts provide strategic guidance on how to fund your benefits programs, ensuring they are both competitive and cost-effective.

Employee Support Center: Give your employees a central resource for all their HR-related questions and needs. Our support center provides timely assistance, helping your team navigate their benefits and other HR matters.

HR Compliance Best Practices Review: Regular reviews of your HR practices help ensure you remain compliant with federal and state regulations while following industry best practices.

Support for Hiring and Termination Processes: Whether you’re bringing on new talent or managing a layoff, our program offers support to navigate the complexities of hiring and termination, ensuring compliance with all relevant laws.

Reporting and Analytics Assistance: Leverage our expertise to produce the reports and analytics you need to make informed decisions about your workforce.

FMLA Tracking: Our program includes tools to track leave under the Family and Medical Leave Act (FMLA), ensuring compliance and proper record-keeping.

Quarterly Client Communication: Stay informed with quarterly updates that include important legal changes, federal and state regulatory updates, and more, ensuring your business stays ahead of the curve.

Flexible Benefit Offerings: Offer your employees a range of flexible benefits that can be tailored to meet their individual needs, helping you attract and retain top talent.

Workers’ Compensation and Risk Management

Workers’ Compensation and Claims Management: Our program includes comprehensive workers’ compensation coverage and claims management, ensuring that any workplace injuries are handled efficiently and in compliance with the law.

Employment Practices Liability Insurance (EPLI): Protect your business against claims related to wrongful termination, discrimination, and other employment practices with EPLI coverage.

Compliance Expertise for Federal/State Employment Laws: Navigating the complexities of employment laws is challenging. Our program offers expertise in federal and state laws, helping you stay compliant and avoid costly penalties.

Unemployment Insurance Claim Administration: Manage your unemployment insurance claims with ease, reducing the time and stress associated with these processes.

Workplace Safety Best Practices: We provide guidance on workplace safety best practices, helping you create a safer work environment and reduce the risk of accidents.

EEO-1 Reporting: Stay compliant with Equal Employment Opportunity (EEO) reporting requirements by leveraging our program’s EEO-1 reporting capabilities.

Workplace Employment Posters and OSHA 300 Log: Ensure compliance with federal and state posting requirements and maintain accurate OSHA 300 logs with our support, helping you avoid fines and penalties.

Why Choose BGES Group?

At BGES Group, we go beyond the basics to offer a fully integrated payroll, workers’ compensation, and group health insurance solution. Our program is designed to help you manage your workforce more effectively, ensure compliance, and provide your employees with the support they need. With our extensive range of services and dedicated team of experts, you can focus on growing your business while we take care of the rest.

Contact Gary Wallach at 914-806-5853 or bgesgroup@gmail.com to learn more about how our program can benefit your business. Let BGES Group be your trusted partner in managing your payroll, workers’ compensation, and group health insurance needs.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Choosing construction insurance is a crucial step in ensuring the safety and financial protection of your construction project. This guide will help you understand what to look for when selecting the right insurance policy for your needs.

Understanding the Basics of Construction Insurance

Learn what construction insurance entails and why it is essential for any construction project.

Construction insurance is a broad term that encompasses a range of policies designed to protect construction projects, from small residential remodels to large commercial developments. The primary aim is to safeguard against financial losses due to accidents, injuries, damages, or other unforeseen events that may occur during the construction process. Knowing the different coverage options available and how they can protect various aspects of your project is vital.

Types of Construction Insurance Coverage

Explore the different types of construction insurance coverages such as General Liability, Builders Risk, Workers’ Compensation, and Professional Liability.

One of the main types of construction insurance is General Liability Insurance, which covers third-party injuries and damages that occur on the job site. It’s fundamental for any construction project to prevent significant financial repercussions from such incidents. You might also consider Builders Risk Insurance, which covers loss or damage to the building under construction due to events such as fire, theft, or vandalism.

Workers’ Compensation Insurance is another critical component, especially given that workers on a construction site can face various hazards. This insurance covers medical expenses and lost wages for workers who get injured on the job. Additionally, Professional Liability Insurance (also known as Errors and Omissions Insurance) protects against claims related to negligence, errors, or omissions in the professional services provided.

Ensuring you have the right mix of these insurance types can help mitigate risks associated with construction activities. Each project is unique, and you may need a combination of different policies to fully cover all potential risks.

Evaluating Policy Limits and Deductibles

Understand the significance of policy limits and deductibles in construction insurance and how they affect your coverage.

Policy limits refer to the maximum amount an insurance company will pay for a claim. When evaluating coverage, ensure that the policy limits are high enough to cover potential losses you might incur. It’s important to assess the value of your projects and choose limits that reflect that value accurately.

Deductibles, on the other hand, are the amount you must pay out-of-pocket before your coverage kicks in. Higher deductibles generally result in lower premiums, but be sure to choose a deductible you can afford to pay if a claim arises. Balancing the deductible with the premium is a critical part of managing your insurance costs effectively.

Considering Exclusions and Special Conditions

Identify common exclusions and special conditions in construction insurance policies that may impact your coverage.

Common exclusions in construction insurance policies often include damages caused by faulty design, wear and tear, or acts of war. It’s crucial to read the fine print and understand what isn’t covered by your policy. This can help prevent surprises when filing a claim and ensure that you aren’t left uncovered when you need it most.

Special conditions may also apply, such as requirements for maintaining certain safety standards on the job site or using particular types of materials. Violating these conditions could render your insurance policy void. Therefore, it’s essential to strictly adhere to any conditions stipulated in your policy and keep detailed records.

Assessing the Insurance Provider’s Reputation

Learn how to evaluate an insurance provider’s reputation, financial stability, and claims process.

When selecting an insurance provider, examine their reputation within the industry. Look for reviews and testimonials from other contractors to gauge their experiences with the insurer. A provider with a strong track record in handling claims efficiently and fairly can save you a lot of headaches down the line.

Financial stability is another critical factor. An insurer’s ability to pay out claims is paramount. You can check their financial ratings through agencies like A.M. Best or Standard & Poor’s. These ratings provide insight into the company’s financial health and stability.

Comparing Costs and Getting Quotes

Tips on comparing insurance costs, getting multiple quotes, and understanding what factors influence the price of your policy.

Comparing insurance costs is more than just looking at the premium price. It includes understanding what coverage you are getting in exchange for that price. Get quotes from multiple insurers to compare not only costs but also the scope of coverage and any additional services they might offer.

Factors influencing the price of your policy include the type and scope of the construction project, the number of employees, past claims history, and the location of the job site. Make sure to provide accurate information when obtaining quotes to get the most reliable comparison.

Remember, the lowest price might not always offer the best value. Consider the overall package, including the insurer’s reputation, claim handling process, and any additional benefits or coverages that come with the policy.

Final Thoughts

Selecting the right construction insurance involves understanding various factors such as coverage types, policy limits, exclusions, provider reputation, and cost. By carefully evaluating these aspects, you can make an informed decision that safeguards your construction project.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges. 

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
 
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group
 

In the complex world of New York construction insurance, contractors often face a maze of requirements to ensure they’re adequately protected. Key among these requirements are the additional insured endorsements, waiver of subrogation clauses, and primary and non-contributory endorsements. These elements can be both advantageous and challenging, depending on the specifics of the construction project and the contractual agreements in place. In this article, we’ll break down the positives and negatives of these critical components and explore how they can impact your general liability coverage.

Additional Insured Endorsements: Pros and Cons

1. Ongoing Operations Coverage

– CG 20 10 4/13: This endorsement provides coverage for the additional insured (AI) during the contractor’s ongoing operations. The specific project must be listed, and coverage applies only while the contractor is actively working on the project.

  Positives:

  – Project-Specific: Ensures coverage is directly tied to the listed project, which can prevent misunderstandings.

  – Focused Coverage: Limits coverage to the period of active work, reducing the insurer’s risk and potentially lowering costs.

  Negatives:

  – Limited Duration: Once the work is completed, this endorsement no longer provides coverage, leaving the AI potentially exposed to claims arising after project completion.

– CG 20 33 4/13: Similar to the CG 20 10, this endorsement automatically grants AI status when required by a written contract, provided there’s privity of contract.

  Positives:

  – Automatic Coverage: AI status is automatically applied, ensuring seamless coverage without additional paperwork.

  – Contractual Privity: Ensures that only parties directly involved in the contract are covered.

  Negatives:

  – Ongoing Operations Only: Like CG 20 10, coverage is limited to the contractor’s active work on the project, with no protection post-completion.

– CG 20 38 4/13: This endorsement extends coverage to parties referred to in the construction agreement who are not in direct contractual privity with the contractor.

  Positives:

  – Broad Coverage: Extends protection to a wider array of stakeholders, which can be advantageous for complex projects involving multiple parties.

  – No Privity Required: Allows coverage for entities without a direct contract, offering greater flexibility.

  Negatives:

  – Ongoing Operations Only: Coverage is again limited to the period of active work, with no post-completion protection.

2. Completed Operations Coverage

– CG 20 37 4/13: This endorsement is designed for completed operations, extending coverage after the contractor’s work is finished.

  Positives:

  – Extended Protection: Ensures that the AI has coverage for claims arising after project completion, which is crucial for long-term protection.

  – Project-Specific: Tied to specific projects, reducing ambiguity in coverage.

  Negatives:

  – Post-Completion Only: This form does not provide coverage during the contractor’s active work on the project, necessitating additional endorsements for full protection.

– CG 20 39 12/19 and CG 20 40 12/19: These endorsements offer automatic coverage for completed operations when required by a written contract. The CG 20 40 is broader, covering parties without direct privity.

  Positives:

  – Automatic Status: Simplifies the process by automatically applying coverage as required.

  – Broader Protection (CG 20 40): Covers more stakeholders, making it ideal for large-scale projects with many involved parties.

  Negatives:

  – Professional Services Exclusion: Both endorsements exclude claims arising from professional services, such as architectural or engineering activities. This could leave certain stakeholders unprotected.

Waiver of Subrogation: Balancing Protection and Risk

– CG 24 04 Waiver of Transfer of Rights of Recovery Against Others to Us: The 2019 version of this waiver endorsement eliminates ambiguity from previous versions and broadens the scope of the waiver to a wider set of policies.

  Positives:

  – Broad Application: Expands the waiver’s scope beyond just CGL and PCO coverage parts, offering more comprehensive protection.

  – Clarified Language: The updated language reduces confusion and ensures that the waiver applies even without direct contractual privity.

  Negatives:

  – Limited by Insured’s Own Waiver: The waiver is conditioned on the insured’s own waiver of claims prior to the loss, potentially narrowing the scope of protection.

– CG 24 53 Automatic Waiver: This form automatically applies the waiver of subrogation, simplifying the process for contractors and insurers alike.

  Positives:

  – Automatic Application: Reduces administrative burden by applying the waiver without additional steps.

  – Equivalent Protection: Offers the same protection as CG 24 04 but with the ease of automatic inclusion.

  Negatives:

  – Potential Overreach: Automatic waivers may apply in situations where the insured might prefer to retain subrogation rights, potentially increasing risk.

Primary and Non-Contributory Endorsements: Expanding Coverage

– CG 20 01 Primary and Non-Contributory Endorsement: This endorsement has been revised to include coverage for liquor liability, extending its applicability.

  Positives:

  – Broader Coverage: The inclusion of liquor liability makes this endorsement more versatile, protecting contractors in a wider range of scenarios.

  – Priority of Coverage: Ensures that the contractor’s policy is primary, reducing the likelihood of disputes with other insurers.

  Negatives:

  – Complexity in Claims: The broader application can lead to more complex claims handling, particularly in industries where liquor liability is a significant concern.

Conclusion

Navigating the intricacies of general liability policies for New York contractors requires a deep understanding of the various endorsements available, including additional insured, waiver of subrogation, and primary and non-contributory forms. Each has its own set of advantages and potential drawbacks, depending on the specifics of your project and contractual agreements.

As New York construction insurance specialists, BGES Group is here to help you make informed decisions about your business insurance needs. Whether you’re dealing with complex contractual requirements or looking to ensure comprehensive coverage, we can guide you through the process. Contact Gary Wallach at 914-806-5853 or bgesgroup@gmail.com for expert advice and tailored insurance solutions.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Disclaimer:

This article is for informational purposes only and does not constitute legal or insurance advice. Contractors should consult with their insurance professionals and legal advisors to ensure their policies meet their specific needs and contractual obligations.

The Equal Employment Opportunity Commission has issued new guidance for preventing harassment on construction industry worksites.

The guidance, while not binding, can be used as a template for construction firms to implement anti-harassment policies. According to the EEOC, the industry has an especially high incidence of harassment complaints, and “some of the most egregious incidents of harassment investigated by the EEOC have arisen in the construction industry.”

The nature of the construction industry includes risk factors that may increase the likelihood of harassment, including workforces that are primarily male, those where there is pressure to conform to traditional stereotypes, and decentralized workplaces, according to the EEOC.

These factors may be exacerbated by the presence of multiple employers on a worksite, and the cyclical, project-based nature of construction.

The guidance, “Promising Practices for Preventing Harassment in the Construction Industry,”  outlines the main principles for implementing an effective strategy to prevent workplace harassment, as follows:

Buy-in from leadership

Worksite leaders, from the project owner to crew leads to union stewards, should clearly, frequently and unequivocally message and demonstrate that harassment is prohibited.

The EEOC recommends that project owners and general contractors prioritize and emphasize  worksite-wide collaboration to prevent and correct harassment. The general contractor is typically well positioned to coordinate harassment prevention across a worksite and serve as a backstop for resolving difficult issues

General contractors should assist subcontractors and staffing agencies with their legal obligations under federal anti-discrimination laws by referring them to the EEOC’s Small Business Resource Center.

It also recommends that project owners or sponsors consider requiring that contract bids include a plan to prevent and address workplace harassment.

Strong and comprehensive harassment policies

Policies should include:

• A clear description of prohibited conduct, with examples tailored to the work environment, such as taunting tradeswomen when they are performing a difficult or dangerous task, or vandalizing the toolboxes or personal protective equipment of Black workers.
• An unequivocal statement that harassment is prohibited.
• A description of complaint and reporting processes, and where to find more information about them.
• A commitment that the employer will provide a prompt, impartial and thorough investigation, and that it will keep confidential the identity of individuals who make reports.
• A statement that workers are encouraged to report harassment, bullying or other inappropriate conduct even if they are not sure if the conduct violates the policy.
• A discipline policy that is prompt, consistent and proportionate to the severity of the harassment or related misconduct, such as retaliation.
• An unequivocal statement that retaliation for reporting harassment is prohibited.
• Account for language barriers in the workforce, such as for non-native English speakers or workers with poor literacy.

Policies should also include steps for when a subcontractor lacks the experience or resources to resolve an issue, takes inadequate steps to address or prevent harassment or fails to take reasonable corrective action in response to harassment.

In such instances, a general contractor should consider facilitating and assisting subcontractors in finding solutions, especially when harassment is occurring between workers from different employers.

Regular and effective training

All workers should be regularly trained on the harassment policy and complaint system.

Training should be:

• Clear, easy to understand and offered in languages commonly used by onsite workers;
• Tailored to the specific workforce and work environment; and
• Interactive, if feasible. Alternative options include providing training through an interactive module accessible via mobile phone or watching a series of short video clips, followed by a guided discussion about the clips.

The takeaway

While the guidance isn’t legally binding, employers should consider following its recommendations as doing so can reduce the risk of liability.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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, misclassified payrolls, 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 want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group