If you’re a New York contractor, you know how burdensome annual workers’ compensation audits can be. The process is time-consuming, requires digging through financial records, and often leads to headaches as you try to ensure compliance with regulations. But what if you could simplify this process—or even avoid it altogether?

BGES Group offers specialized programs designed to help contractors streamline their operations and take the hassle out of workers’ compensation audits. These programs not only provide comprehensive workers’ compensation insurance but also come with a suite of additional services tailored to the needs of New York contractors.

What BGES Group’s Programs Offer:

– Workers’ Compensation Insurance: These programs cover your workers’ compensation insurance needs, ensuring compliance with state regulations and protecting your business and employees from potential claims.

– Payroll Services: BGES Group’s programs integrate payroll services, making it easier to manage wages and employee documentation. This integration means that much of the financial information required for audits is already captured and reported accurately.

– Group Health Coverage: You can even bundle your group health insurance under one of these programs, making it a one-stop solution for all your employee benefits needs.

– Compliance Support: The programs prepare your essential state forms, such as New York State Form 45 (Quarterly Combined Withholding, Wage Reporting, and Unemployment Insurance Return) and IRS Form 941 (Employer’s Quarterly Federal Tax Return), helping you stay on top of your reporting requirements.

– Human Resources Support: To further ease your administrative burden, these programs provide complete HR backup, assisting you with New York State laws and compliance issues. Whether you’re navigating new labor laws or dealing with employee relations, BGES Group’s resources have you covered.

Avoid Comprehensive Annual Audits

One of the standout features of these programs is how they can minimize or eliminate the need for comprehensive annual workers’ compensation audits. Since the program manages payroll and has access to most of your financial information, there’s little left to audit. Instead of a deep dive into your records, you may only need to provide a few supporting documents, such as certificates of insurance for your subcontractors.

BGES Group: Workers’ Compensation Specialists for New York Contractors

At BGES Group, we specialize in helping New York contractors with their workers’ compensation insurance needs. If you’re tired of dealing with complicated audits and compliance headaches, or if you’re encountering problems with your current coverage, we can provide the solutions you need.

Contact Gary Wallach today for more information. Call 914-806-5853 or email bgesgroup@gmail.com. Let us help you simplify your workers’ compensation and payroll processes, so you can focus on what matters most—growing your business.

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

Larry David and Jerry Seinfeld have a way of turning everyday life into brilliant, laugh-out-loud humor, and when it comes to women and their contractors, the comedy potential is endless. Women might start with a few complaints about messes and delays, but by the end of the project, they’ve bonded with the contractor in ways no one ever expected. Picture Larry and Jerry sitting at the diner, marveling at how women go from frustrated to secretly adoring their contractors—because, after all, who doesn’t love someone who fixes things? Here are ten hilarious yet positive takes on why women end up loving their contractors.

—

1. “He speaks the language of shelves.”

  Jerry: “Women love a man who can install shelves. It’s like speaking their love language.”

  Larry: “Forget flowers and chocolates, give them built-ins, and suddenly, you’re a hero!”

2. “He’s got the magic touch—on the walls.”

  Larry: “There’s just something about a man who can make drywall smooth. They go from ‘When will this be done?’ to ‘Maybe I’ll add another wall!’”

  Jerry: “Yeah, once they see those smooth walls, it’s like he’s Michelangelo and she’s staring at the Sistine Chapel.”

3. “He turns chaos into order.”

  Jerry: “One minute there’s dust and tools everywhere, and the next, it’s a sparkling new bathroom. That’s real power!”

  Larry: “It’s like they’re magicians. Contractors don’t just build— they restore calm in a world of clutter.”

4. “He listens… to the design changes.”

  Jerry: “At first, he’s just another guy with a hammer. But then he listens to the 12th design change without flinching? Instant love!”

  Larry: “Anyone who can take ‘I think we need to move the sink… again’ with a smile is basically a saint.”

5. “He’s there when no one else is.”

  Larry: “When everything is falling apart—literally—the contractor shows up. It’s like a superhero moment.”

  Jerry: “Yeah, Batman may save Gotham, but a contractor saves the kitchen! And in the end, who’s the real hero?”

6. “He fixes things… permanently.”

  Jerry: “Sure, they started out as just a guy fixing the leaky faucet, but after six months without a drip? That’s a relationship that’s built to last!”

  Larry: “Every time she turns on that faucet and it doesn’t leak, she’s like, ‘Yep, I love him.’”

7. “He doesn’t just build, he beautifies.”

  Jerry: “They thought they just wanted a deck. But now, with that pergola and the new lighting, it’s a sanctuary!”

  Larry: “Who knew a contractor could turn a backyard into a romantic getaway? It’s like having your own personal HGTV star.”

8. “He can handle the honey-do list… without complaints.”

  Larry: “Women love contractors because they actually finish the honey-do list. And they don’t complain while doing it!”

  Jerry: “You mean they don’t ‘forget’ about it for three weeks and then pretend it was never there? No wonder women love them!”

9. “He knows his way around the hardware store.”

  Jerry: “He walks into a hardware store, and he knows exactly what to get. No wandering the aisles, no asking for help!”

  Larry: “To women, that’s like watching a guy change a tire without YouTube. Pure admiration.”

10. “He brings the vision to life.”

  Larry: “Women fall in love with the contractor because he doesn’t just talk about their dream kitchen—he makes it happen.”

  Jerry: “They love him because, unlike most guys, he actually finishes what he starts. It’s not just talk—it’s tile.”

—

The Contractor Who Saves More Than Just Your Kitchen: BGES Group

While we’re all laughing about why women end up loving their contractors, there’s one thing no one loves—bad business insurance. If you’re a contractor in New York, New Jersey, or Connecticut and you’re unhappy with your business insurance, don’t worry. There’s a solution that will make you feel as good as that perfect backsplash: BGES Group.

Just like women fall in love with their contractors for delivering on promises, you’ll fall in love with BGES Group for delivering the best business insurance. And here’s the kicker—Jerry Seinfeld and Larry David would get a kick out of the owner, Gary Wallach. He’s not your ordinary insurance guy. Not only does he know his stuff, but he’s got a great sense of humor. He’s the kind of guy you actually want to talk to about insurance, because he makes the whole process fun. No boring meetings, no complicated jargon—just good laughs and even better coverage.

So, if you’re a contractor looking to get business insurance that works as hard as you do, reach out to BGES Group. Whether you need workers’ compensation or contractor liability insurance, Gary Wallach is the guy who’ll take care of you—and he’ll even make you smile along the way.

Give Gary a call at 914-806-5853 or send him an email at bgesgroup@gmail.com. He’ll fix your insurance problems faster than a contractor can build your dream kitchen, and who knows? You might just end up loving him as much as you love that new addition to your home!

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

If you’re a business owner in New York, New Jersey or Connecticut, you likely understand the significant expense of workers’ compensation insurance. But what if you’ve been paying more than necessary for years and didn’t know it? At BGES Group, we offer a specialized service called Workers’ Compensation Premium Recovery that reviews your past policies, uncovers mistakes that led to overpayments, and helps you recover your money from past insurance companies. This service is offered on a contingency fee basis, meaning there’s no upfront cost to you. It’s truly a win-win situation—there’s nothing to lose and potentially significant sums to recover.

Why Workers’ Compensation Costs Could Be Higher Than They Should Be

Workers’ compensation insurance is a crucial safeguard, but it’s often more costly than it needs to be. Many business owners end up overpaying due to common errors, such as:

– Misclassified employees

– Inaccurate experience modification factors

– Incorrect payroll reporting

– Audit discrepancies

These errors can quietly accumulate over the years, leading to significant overpayments. For many businesses, this can mean thousands, tens of thousands, or even hundreds of thousands of dollars lost. Our Workers’ Compensation Premium Recovery service can review your past policies going back up to seven years, searching for mistakes and working to recover any money you’ve overpaid.

Our Process: Thorough and Stress-Free

The BGES Group partners with experts who perform a comprehensive audit of your workers’ compensation policies, payroll records, and claims history. Their meticulous approach ensures that every potential error is identified and corrected. Here’s what you can expect:

1. Employee Classification Check – Are your employees properly classified? Misclassification is a leading cause of inflated premiums.

2. Payroll Data Verification – We review your payroll reporting to ensure there are no inaccuracies that could be driving up your costs.

3. Experience Modification Factor Review – Your experience mod factor should accurately reflect your claims history. If miscalculated, it can result in higher premiums.

Significant Financial Recovery Potential

Through our expert analysis and recovery efforts, New York, New Jersey or Connecticut business owners can recover substantial amounts—whether it’s thousands, tens of thousands, or even hundreds of thousands of dollars. Think about the impact these reclaimed funds could have on your business. You could:

– Reinvest in your operations

– Upgrade equipment

– Improve your company’s cash flow

The possibilities are endless, and the best part is, we handle the hard work for you.

No Upfront Costs—A Risk-Free Opportunity

Our Workers’ Compensation Premium Recovery service is completely contingency-based, which means you pay nothing upfront. Our partners take care of the audit and recovery process while keeping you updated on the progress. If we don’t recover any money for you, you owe us nothing.

Take Action Today—Contact Gary Wallach

Don’t wait any longer to see if you’ve been overpaying on your workers’ compensation insurance. Contact Gary Wallach today at 914-806-5853 or bgesgroup@gmail.com to learn more about how BGES Group can help you recover your hard-earned money. That’s Gary Wallach at 914-806-5853 or bgesgroup@gmail.com—call today and start the process of getting your money back!

BGES Group: Helping New York, New Jersey or Connecticut business owners recover hidden savings and improve their bottom line. Let us help you take back what’s rightfully yours.

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

If you’re a New York contractor, you’ve likely felt the pinch of workers’ compensation insurance. But what if you’ve been paying more than necessary all these years without knowing it? At BGES Group, we offer a specialized service called Workers’ Compensation Premium Recovery that analyzes your past insurance policies, uncovers mistakes leading to overpayments, and helps recover your money. Best of all, this service is performed on a contingency fee basis, meaning there’s no upfront cost to you. It’s a win-win scenario—you have nothing to lose and potentially thousands of dollars to gain.

The Hidden Costs of Workers’ Compensation Insurance

Workers’ compensation insurance is vital for protecting your business and employees, but many contractors unknowingly overpay due to common errors. These errors can include:

– Misclassified employees

– Inaccurate experience modification factors

– Incorrect payroll reporting

– Audit discrepancies

Over time, these seemingly small mistakes can add up, costing your business thousands, tens of thousands, or even hundreds of thousands of dollars. Our service can go back up to seven years, reviewing your previous workers’ compensation policies for errors, and if any are found, we’ll help recover the overpaid amounts from your past insurers.

Our Recovery Process: Precise and Painless

The BGES Group partners with experts who conduct a comprehensive audit of your workers’ compensation policies, payroll records, and claims history. Their meticulous approach ensures that every potential error is identified and corrected. Here’s how the process works:

1. Employee Classification – Are your employees classified correctly? Incorrect classifications can lead to inflated premiums. We verify that everyone is categorized appropriately.

2. Payroll Data Analysis – We double-check that your payroll figures are reported accurately, as incorrect reporting can result in overcharges.

3. Experience Modification Factor Review – Your experience mod factor should reflect your claims history. If it’s miscalculated, you might be paying more than necessary.

Substantial Financial Recovery for New York Contractors

Imagine the relief of getting back the money you’ve overpaid in premiums. Whether it’s thousands, tens of thousands, or even hundreds of thousands of dollars, recovering these funds can significantly impact your business. You could reinvest in equipment, expand your operations, or simply improve cash flow. The possibilities are endless, and the process requires little to no effort on your part.

No Upfront Costs—You Have Nothing to Lose

Our Workers’ Compensation Premium Recovery service operates on a contingency fee basis. This means there’s no upfront cost to you. Our partners handle the heavy lifting, conducting the entire audit and recovery process, while keeping you updated with progress reports. If we don’t recover any money for you, you don’t pay a thing.

Get Started Today—Contact Gary Wallach

Why wait? If you suspect you’ve been overpaying on your workers’ compensation insurance, contact Gary Wallach today at 914-806-5853 or bgesgroup@gmail.com to learn more about how BGES Group can help recover your money. That’s Gary Wallach at 914-806-5853 or bgesgroup@gmail.com—call today and see how much you could recover!

BGES Group: We help New York contractors uncover hidden savings and improve their bottom line. Let us help you get your money back.

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

Understanding contractor insurance requirements can be a daunting task. However, having the right knowledge can save you from potential headaches and financial losses. This FAQ blog aims to break down this complex topic into simple, easy-to-understand sections. Whether you’re a contractor or a client hiring one, knowing about these insurance requirements is crucial.

What is Contractor Insurance?

Contractor insurance is a type of coverage that protects contractors and their clients from various risks associated with construction and contracting work. This can include liabilities like property damage, bodily injury, and more.

Imagine working on a project and an accident occurs, causing significant damage. Without insurance, the financial burden and legal repercussions fall squarely on your shoulders. However, with proper contractor insurance, you’re shielded from these unexpected costs. Therefore, insurance acts as a safety net, ensuring that you can continue your projects without major setbacks.

Contractor insurance also plays a vital role in maintaining a professional reputation. Potential clients feel more at ease knowing you have the necessary insurance coverage, fostering trust and increasing your chances of securing more contracts. It’s not just about protection; it’s also about showing professionalism and reliability.

Why Do Contractors Need Insurance?

Contractors need insurance to safeguard themselves against potential lawsuits and financial losses. Having the right insurance not only protects the contractor but also enhances their credibility and professionalism.

One of the primary reasons contractors need insurance is to comply with legal and contractual requirements. Many clients and regulatory bodies mandate that contractors carry specific types of insurance to operate legally. Failing to meet these requirements can result in hefty fines, legal issues, and possibly losing out on lucrative contracts. Learn more.

Beyond legal compliance, insurance is crucial for protecting your business assets. For instance, a client could sue you for a project mishap, or an employee might get injured on-site. These scenarios can lead to significant financial strain if you’re not covered. Insurance helps mitigate these risks, ensuring that your business remains solvent.

Additionally, insurance can cover costs related to damage or loss of equipment, essential for project completion. Construction tools and machinery are often expensive, and replacing them out-of-pocket can be financially crippling. Having the right insurance ensures that you can replace damaged or stolen equipment swiftly without disrupting your project timelines.

What Types of Insurance Should Contractors Have?

There are several types of insurance that contractors should consider, including General Liability Insurance, Workers’ Compensation Insurance, Professional Liability Insurance, and Commercial Auto Insurance. Each type covers different aspects of potential risks.

General Liability Insurance is perhaps the most critical as it covers claims related to bodily injury, property damage, and personal injury. It’s the foundation of a solid insurance strategy, ensuring you’re covered for most basic risks encountered on a construction site. If, for example, a passerby were injured by falling debris from your site, this insurance would cover their medical expenses and any legal fees. General Contractor Insurance Requirements.

Workers’ Compensation Insurance is another must-have, especially if you have employees. This insurance covers medical expenses and lost wages if your workers get injured on the job, protecting both your employees and your business from financial ruin. In most states, having workers’ compensation is not just advisable; it’s often a legal requirement.

Professional Liability Insurance, also known as Errors and Omissions Insurance, is essential for contractors providing specialized or professional services. This coverage protects you against claims of negligence or inadequate work. For instance, if a client sues you for errors in your work that affect the project’s outcome, this insurance would cover the legal fees and any settlements.

Lastly, Commercial Auto Insurance is vital if you use vehicles for your business. This insurance covers any damages or injuries caused by your vehicles during business operations. It also protects your vehicles against theft, vandalism, or accidents, ensuring that your transportation and delivery processes remain unhampered.

How Do Insurance Requirements Vary By State?

Insurance requirements can vary significantly from state to state. It’s important for contractors to understand the specific regulations and requirements in the state where they operate to ensure compliance.

In some states, contractors are required to carry state-specific types of insurance, such as disability benefits coverage or specific minimum limits for liability insurance. For example, in New York, contractors must have workers’ compensation insurance even if they only have a single employee. Not meeting these requirements can lead to severe penalties, including fines and work stoppages. Read more.

The type of work you do can also influence the local insurance requirements. For instance, if you’re working on public or government-funded projects, you may be required to carry higher liability limits or additional forms of insurance, such as bonds. Understanding these requirements ensures that you’re always in compliance and can continue your projects without interruptions.

Keep in mind that some states have unique insurance laws that might not exist elsewhere. Thus, even if you have extensive insurance coverage in one state, you might need to adjust it when working across state lines. Consulting with an experienced insurance broker who is familiar with the local laws can help you navigate these complexities effortlessly.

What Are the Consequences of Not Having Proper Insurance?

Not having the proper insurance can lead to severe consequences such as legal actions, financial penalties, and loss of reputation. It’s a risk that no professional contractor should take.

Legal consequences can range from hefty fines to business shutdowns. If you’re unable to produce required insurance certificates during an inspection, regulatory bodies have the authority to stop your projects or revoke your license until you’re in compliance. Additionally, you could face lawsuits that demand significant compensation, severely impacting your business financially.

The financial repercussions of uninsured claims are another significant concern. Imagine being sued for a workplace accident or property damage and having to settle the claim out-of-pocket. This scenario could drain your financial resources, potentially bankrupting your business. Proper insurance protects you from such catastrophic financial losses.

Lastly, your reputation might take a hit. Clients prefer to work with contractors who are fully insured because it demonstrates professionalism and reliability. Failing to have adequate insurance can lead potential clients to question your credibility, resulting in lost business opportunities and a tarnished reputation in the industry.

How Can Contractors Get the Right Insurance?

To get the right insurance, contractors should consult with insurance brokers who specialize in contractor insurance. They can provide tailored advice and packages that meet the specific needs of the contractor’s business and the jobs they undertake.

Start by evaluating the specific risks associated with your projects. Each job site can present different challenges and hazards. An experienced broker can help you identify these risks and determine the types of coverage you need. This customized approach ensures that you’re not paying for unnecessary coverage while also filling in any gaps that could leave you vulnerable. Avoiding Insurance Mistakes.

It’s also helpful to compare policies from multiple insurers. Not all insurance policies are created equal, and prices can vary significantly. Get multiple quotes to find the best deals, but don’t just focus on the price. Ensure that the policy offers comprehensive coverage that aligns with your needs. Reading the fine print and understanding the terms and conditions can help you avoid unpleasant surprises down the line.

Finally, maintain an ongoing relationship with your insurance broker. Regularly reviewing your policies, especially when your business or project scope changes, ensures you’re always adequately protected. Your broker can promptly update your coverage to reflect any new requirements or risks, keeping your business compliant and safeguarded at all times.

Final Thoughts

In summary, understanding contractor insurance requirements is essential for both contractors and clients. It protects all parties involved, ensures compliance with laws, and enhances professional credibility. By getting the right type of insurance and keeping it up to date, you can avoid potential risks and focus on your work with greater peace of mind.

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
 

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.

________________________________________________________________

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