1.       Moratoriums by Major Carriers – With well-known carriers placing a moratorium on new business, your incumbent carrier may raise prices significantly.

    2.       Competitive Pricing – BGES Group offers competitive rates that could save you from unexpected premium hikes.

    3.       Expertise in New York Contractor Risks – Specializing in construction insurance, BGES Group understands the unique challenges New York contractors face.

    4.       Access to Multiple Markets – BGES Group has access to a wide range of insurance markets, ensuring you have multiple options.

    5.       Customized Coverage – They tailor liability policies to fit the specific needs of your projects, including labor law coverage.

    6.       Better Coverage for Less – BGES Group is known for finding policies with more comprehensive coverage at better rates.

    7.       Boutique-Level Service – Their personalized, boutique-like service ensures your needs are given the attention they deserve.

    8.       Proactive Risk Management – BGES Group helps you identify risks early, reducing the likelihood of claims and keeping premiums down.

    9.       No Commitment for a Quote – Getting a backup quote is quick and easy with BGES, and you aren’t obligated to switch.

    10.     Trusted by Other New York Contractors – Many contractors in New York have already turned to BGES Group for reliable and cost-effective coverage.

For a backup quote on your upcoming liability policy renewal, contact Gary Wallach at 914-806-5853 or bgesgroup@gmail.com to explore your options with 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

Being a contractor in New York comes with long hours, demanding projects, and plenty of responsibilities. While you’re out on job sites making sure everything is running smoothly, the honey-do list at home might be growing by the day. But with the right approach, you can get your wife or girlfriend to help out with some of those tasks while you’re hard at work. Here are ten practical ways to get that honey-do list checked off:

1. Communicate Clearly

Make sure to clearly explain the tasks that need to be done, and prioritize the ones that are most important. A list of five small, specific tasks can seem more manageable than one long, vague list.

2. Offer a Trade-Off

Suggest trading tasks. Maybe she handles some items from the list while you take care of things she might not want to do, like washing the car or doing a deep clean of the garage on your day off.

3. Express Appreciation

Genuine appreciation goes a long way. When she helps out, make sure to express how much it means to you. Everyone likes to feel valued for their contributions.

4. Make It Fun

Turn some tasks into a fun activity. For example, tackling the garden while playing music or involving the kids can make it feel less like a chore.

5. Set Realistic Expectations

Sometimes it’s not the amount of work, but the pressure to do it all at once that feels overwhelming. Break the list into manageable sections and set a relaxed timeline.

BGES Group: Helping Contractors with More Than Just Honey-Do Lists

While you’re focused on getting the job done on-site, don’t forget that your construction business needs protection. BGES Group are construction insurance specialists with deep expertise in the industry. They understand the unique challenges New York contractors face and can help with everything from workers’ compensation to liability coverage. If you’re up for renewal this year, it’s a great idea to get a Plan B quote to ensure you’re getting the best coverage at a competitive price.

6. Reward Her Efforts

Rewards don’t have to be extravagant. A nice dinner or a surprise gift can go a long way in showing that you appreciate the extra help around the house.

7. Help Out When You Can

Even if you’re tired from a long day, helping out with smaller tasks when possible shows that you’re a team player. This can motivate her to pick up some of the heavier tasks on your list.

8. Use Positive Reinforcement

Instead of focusing on what hasn’t been done, compliment the things that have. Positive reinforcement encourages continued effort on future tasks.

9. Acknowledge Her Own To-Do List

She might already have a long list of her own! Offering to help with some of her responsibilities can make her more willing to tackle your honey-do list.

10. Schedule a Time Together

Set aside time on the weekend to tackle the list together. Not only will it get done faster, but you can also spend quality time together, making it feel less like a chore and more like teamwork.

Contact BGES Group Today for a Quote

As a New York contractor, managing your insurance renewal is just as important as handling your home to-do list. For expert guidance and a backup quote on your upcoming renewal, contact Gary Wallach at BGES Group. You can reach him at 914-806-5853 or bgesgroup@gmail.com to explore your options and ensure your business is protected.

When it comes to obtaining general liability insurance, New York and New Jersey contractors operate under different legal and regulatory landscapes. These differences, particularly regarding labor laws, greatly impact the cost of liability insurance. Contractors in New York face significantly higher premiums, largely due to the state’s stringent labor laws, notably Labor Laws 240 and 241. In contrast, New Jersey’s labor laws are more lenient, which leads to lower insurance costs for contractors.

Understanding Labor Law Coverage: New York vs. New Jersey

New York’s Labor Laws 240 and 241

New York’s infamous “Scaffold Law” (Labor Law 240) and Labor Law 241 impose absolute liability on contractors and property owners for gravity-related injuries, such as falls from heights. These laws do not allow the injured worker to be found at fault in most cases, making contractors and their insurers liable for nearly all workplace injuries related to height. As a result, the financial risk to insurance companies is much higher, leading to significantly higher premiums for contractors in New York.

Example 1: A New York contractor working on a high-rise construction project must have coverage for the risk that any worker injured from a fall can sue under Labor Law 240. Even if the contractor followed all safety protocols, they can still be held liable, which makes the cost of liability insurance far higher compared to New Jersey.

New Jersey’s More Balanced Liability Laws

In contrast, New Jersey law does not impose the same level of absolute liability for worker injuries as New York. Workers must prove negligence to hold a contractor responsible, meaning that in many cases, if the contractor can demonstrate that all reasonable safety measures were taken, they may avoid liability. This balanced approach lowers the financial exposure of contractors and, consequently, reduces the cost of liability insurance.

Example 2: A New Jersey contractor working on a similar construction project only faces liability if it can be proven that the contractor was negligent. If an employee falls from scaffolding but it is shown that the scaffolding was properly secured and maintained, the contractor may not be held liable. This significantly lowers insurance premiums compared to a similar project in New York.

Why Liability Coverage Costs More for New York Contractors

The key reason liability insurance is more expensive for New York contractors is the absolute liability imposed by Labor Laws 240 and 241. These laws expose contractors to lawsuits and compensation claims, even if the contractor or property owner wasn’t directly at fault. Insurers must account for this heightened risk, driving up premiums.

In contrast, New Jersey’s more balanced negligence-based system mitigates some of the liability for contractors, leading to lower insurance costs. New Jersey contractors are less frequently the target of high-cost lawsuits, which allows insurance companies to offer more affordable premiums.

Protect Yourself: Get a Quote from BGES Group

If you’re a contractor operating in the Tri-State area, it’s crucial to understand the difference in labor law coverage between New York and New Jersey and how it affects your liability insurance costs. With rates for New York contractors continually rising due to increased legal exposure, it’s wise to get a backup quote this year to protect against a large rate increase.

BGES Group, one of the Tri-State area’s construction insurance experts, can help you secure the best coverage at competitive rates. Whether you’re working in New York or New Jersey, BGES Group offers tailored insurance solutions to meet your specific needs.

Contact BGES Group today for a free consultation:

        •         Phone: 914-806-5853

        •         Email: bgesgroup@gmail.com

        •         Website: www.bgesgroup.com

Don’t wait until your premiums skyrocket—reach out to BGES Group now and get ahead of any potential increases in your insurance costs.

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

As a contractor in New York, finding suitable health insurance for yourself and your employees can be challenging. Navigating the landscape of health plans, costs, and compliance requirements means juggling numerous options. Whether you’re a sole proprietor or manage a larger team, understanding what’s available is crucial for ensuring your workforce has access to essential healthcare while maintaining affordability.

This article will cover some of the main health insurance options available to contractors in New York, with a special focus on a comprehensive program offered by BGES Group.

1. Individual Health Insurance Plans

For smaller contractors or those who work independently, individual health insurance plans are an option. You can shop for plans through the New York State of Health marketplace, where you may be eligible for tax credits depending on your income. These plans vary in terms of coverage, with several tiers (Bronze, Silver, Gold, and Platinum) to match your healthcare needs and budget.

While this is a flexible option, it may not be ideal for those managing teams, as it doesn’t provide the benefits of group health insurance.

2. Small Business Health Options Program (SHOP)

The Small Business Health Options Program (SHOP) allows small businesses, including contractors with up to 50 employees, to offer health insurance to their workers. If you have fewer than 25 full-time employees, you may qualify for tax credits to lower the cost of providing coverage. SHOP plans provide a range of options, allowing you to choose the best coverage for your team’s needs.  For more information click here.

Though beneficial for smaller operations, SHOP might not offer the level of customization or additional benefits that larger contractors may seek in their health plans.

3. Health Maintenance Organization (HMO) Plans

HMO plans are a common choice for New York contractors looking to provide structured, affordable care. With an HMO plan, your employees must choose a primary care physician (PCP) who coordinates their healthcare. Referrals are typically required for specialists, and the plan may have a more restricted network of providers.

HMOs are often more cost-effective but can limit flexibility, which might be a downside for employees who prefer to choose their healthcare providers freely.

4. Preferred Provider Organization (PPO) Plans

For contractors seeking a more flexible healthcare option, PPO plans offer a wide range of healthcare providers without the need for referrals to see specialists. Your employees can see any doctor, but in-network services will have lower costs.

While more expensive than HMO plans, PPOs are ideal for larger contractors with employees who may need specialist care without waiting for referrals.

5. Payroll Workers’ Compensation and Group Health Insurance Program

One standout option for New York contractors with at least 10 employees is the Payroll Workers’ Compensation and Group Health Insurance Program offered by BGES Group. This program bundles your payroll services, workers’ compensation coverage, and group health insurance into one streamlined solution. Not only does this simplify your administrative work, but it can also lead to cost savings as BGES Group negotiates competitive rates for comprehensive coverage.

The program is ideal for contractors who want to ensure their employees are covered under both workers’ compensation and health insurance without the hassle of managing multiple providers. Additionally, by offering a group health plan, contractors can improve employee retention, attract new talent, and ensure compliance with state health insurance mandates.

To qualify for this program, your contracting business must have a minimum of 10 employees. Once enrolled, BGES Group will handle the complexities of payroll, workers’ compensation, and group health coverage, making it easier for you to focus on running your projects.

Why Choose BGES Group for Your Insurance Needs?

BGES Group is a specialist in New York construction insurance, providing tailored solutions to meet the unique needs of contractors. From liability insurance to workers’ compensation and health insurance options, BGES Group ensures that you and your team are well-protected.

Whether you’re looking to offer comprehensive health insurance to your employees or need assistance with workers’ compensation, BGES Group has the expertise and programs to fit your business model.

Contact BGES Group:

        •         Gary Wallach

        •         Phone: 914-806-5853

        •         Email: bgesgroup@gmail.com

        •         Website: bgesgroup.com

If you’re ready to explore your options and provide the best health insurance and workers’ compensation coverage for your employees, reach out to BGES Group today!

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 general contractors to protect both themselves and their employees. This insurance coverage provides financial and legal support in the event of on-the-job injuries or illnesses. In this blog, we’ll explore the key benefits of workers compensation insurance for general contractors and why it is a crucial component of operating a safe and successful business.

What is Workers Compensation Insurance?

Workers compensation insurance is a crucial safeguard, providing essential protection for both employers and employees in the event of workplace injuries. This type of insurance typically covers medical expenses, rehabilitation costs, and lost wages, offering peace of mind to both parties. By ensuring that injured workers receive necessary care without financial burden, companies can maintain a stable and productive workforce.

The structure of workers compensation insurance varies by state, as it is governed by state laws, each with distinctive rules and payment rates. Businesses benefit from a legal safety net, as workers compensation reduces the risk of costly lawsuits that can arise from accidents at work. Compliance with these laws is non-negotiable for many enterprises, especially those in high-risk industries like construction.

In addition to its legal and financial benefits, this insurance is integral to nurturing a healthy organizational culture. By ensuring access to fair compensation and medical care, employers foster trusting, supportive relationships with their workforce. Ultimately, this leads to increased loyalty, reduced turnover, and an overall enhanced morale among employees.

Why General Contractors Need It

General contractors face unique challenges and risks in their line of work, often operating in environments where physical safety is a primary concern. Given the high-risk scenarios on construction sites, workers compensation is not merely a precaution; it’s a necessity. This insurance is indispensable not just for the protection it offers employees, but also for securing the contractor’s business interests.

For instance, if a worker sustains an injury while handling power tools or scaling heights, the financial implications can be significant without adequate coverage. Workers compensation mitigates such risks by ensuring that medical bills and rehabilitation costs are taken care of, thus preventing potentially crippling legal disputes. According to Procore, managing these risks effectively is crucial for project success and maintaining tight control over overheads.

In regions like New York, adherence to workers compensation regulations is mandatory, with stringent penalties for non-compliance. As detailed in BGES Group’s Guide for New York Contractors, meeting these requirements is not just about avoiding fines but about cultivating a safe, compliant workspace that allows a contractor to focus on project execution efficiently.

Key Benefits for General Contractors

Workers compensation insurance offers a multitude of benefits that extend well beyond legal compliance. One of its primary advantages is the reduction of workplace disruptions that often accompany accidents, facilitating a quicker return to project timelines without the distraction of financial or legal concerns. When employees feel secure knowing their medical and financial needs will be met in case of an accident, their focus remains on productivity, ultimately benefiting the entire organization.

Another crucial benefit is the protection it provides against potential lawsuits. The costs associated with litigation can be astronomical, threatening the very survival of smaller contracting firms. Thus, workers compensation acts as a financial shield, keeping legal challenges at bay. Additionally, by offering comprehensive coverage, it can also enhance a contractor’s standing in the industry, demonstrating a commitment to employee well-being.

Moreover, improved employee morale and retention rates can be directly linked to the provision of workers compensation insurance, according to Procore. Workers are more likely to stay with employers who demonstrate care for their health and financial security. As a result, contractors benefit from lower turnover rates and the associated hires better skilled labor.

Choosing the Right Policy

Selecting an appropriate workers compensation policy necessitates a thorough understanding of your company’s specific risks and operational needs. Contractors must consider numerous factors, including the scale of their projects and the nature of the tasks involved. Working with insurance professionals, like those at BGES Group, can provide invaluable insights into constructing a tailored policy that addresses these factors efficiently.

A critical step in this process is identifying particular industry risks and ensuring your coverage plan addresses them. Comprehensive policies will offer protection against a broad spectrum of potential liabilities, from equipment-related injuries to falls and other common accidents in construction. Additionally, premium rates are often influenced by the company’s safety record and implementation of workplace safety programs.

Furthermore, regular policy reviews are imperative to adjust to evolving business operations and industry standards. Proactive engagement with insurance agents guarantees that your coverage remains current and cost-effective, ultimately maintaining a robust defense against unforeseen incidents.

Embracing Workers Compensation Insurance for a Secure Future

In conclusion, workers compensation insurance is an invaluable asset for general contractors. It not only safeguards the financial stability of the business but also demonstrates a commitment to employee safety and well-being. By investing in this essential coverage, general contractors can focus on growing their business, knowing that they are prepared for any unexpected challenges that may arise.

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
 

As a contractor in New York, you’re juggling tight schedules, surprise delays, and demanding clients. Your insurance shouldn’t be another headache. Fortunately, BGES Group is here to make sure your business insurance needs are handled with the same care, efficiency, and humor you’d expect from the cast of Seinfeld. So let’s see why Larry David, Jerry Seinfeld, Elaine Benes, and George Costanza would insist that you call BGES Group.

1. Jerry’s “What’s the deal with big insurance agencies?”

Jerry voice: “What’s the deal with these giant insurance agencies? You call them, and you get an answering machine! ‘Please hold… and wait… and wait.’” BGES Group, on the other hand, picks up the phone! When you call, an actual human answers—and not just any human, but someone who understands your needs. It’s like getting front-row seats to your favorite comedy show, but the joke’s on the competition.

2. Larry David’s “Factory vs. Mom-and-Pop Boutiques” Rant

Larry, pacing, annoyed: “You want service, right? REAL service. But these big agencies? They’re factories! They slap fees on everything, like some overcooked burger on a bun. But BGES? They’re like a mom-and-pop boutique. Personal service, no ridiculous fees. It’s like walking into a small deli and the guy behind the counter already knows your order. Now that… that’s service!”

3. George’s Fear of Hidden Fees

George, frantic: “You know what gets me? Hidden fees! You’re already paying for the insurance, and then WHAM! They hit you with fees for… what? Breathing? But BGES? No crazy fees. No surprises. They don’t nickel-and-dime you like my last girlfriend did.” With BGES, you get straightforward pricing and a team that actually has your back. Even George would feel safe here—and that’s saying something.

4. Elaine’s “Get OUT!” Service

Elaine pushing you across the room: “You call them, and they actually answer?! GET OUT!” Yes, Elaine, BGES Group answers the phone every time. And not just with a “Hello, hold please,” but with real, attentive service. They’re not a big agency running on voicemail and hold music; they’re the type of people who get stuff done fast—without you having to yell at your phone. It’s enough to make Elaine dance.

5. George’s “Short, Stocky, and Insurance-Wise” Attitude

George wagging his finger: “Look, I’m short, I’m stocky, I’m bald—and I’m frugal. When it comes to insurance, I don’t want the big flashy stuff. I want something that works for me, fits my needs, and doesn’t break the bank!” BGES Group fits the bill for contractors. They don’t try to upsell you on policies you don’t need. They’re practical, thorough, and affordable—just how George likes it.

6. Jerry’s “It’s All About Balance” Philosophy

Jerry quizzically smiling: “You’ve got coverage, you’ve got service. It’s all about balance. BGES Group? They get that. They keep your business protected without the fluff. It’s like a perfectly balanced punchline. Not too much, not too little—just right!” For Jerry, that’s what BGES offers: insurance that keeps your business steady, without overwhelming you.

7. Larry David’s “Pret-ty, Pret-ty, Pret-ty Good Policies”

If Larry David were reviewing BGES Group, he’d say, “Pret-ty, pret-ty, pret-ty good.” They handle everything from workers’ comp to liability insurance, and they don’t make you jump through hoops to get the right coverage. It’s straightforward, easy, and something even Larry wouldn’t feel like nitpicking about… much.

8. George’s “Risk Management Paranoia”

George sweating profusely: “You’re a contractor! You’re surrounded by risk! You’ve got workers’ comp claims, liability, the guy carrying the ladder. You need insurance for that stuff, right? Right?!” BGES Group understands the risks contractors face and builds customized insurance plans to protect you from every angle. No more sleepless nights wondering what might go wrong—George already did that for you.

9. Elaine’s “Boutique Service Means No Machines” Dance

Elaine flailing her arms: “You call these big companies, and what do you get? A machine! ‘Press 1 for frustration. Press 2 to wait 20 minutes.’ Not BGES! They’re like a cute boutique that picks up the phone and knows who you are. You talk to a real person! And that person knows how to handle your problem. It’s like having a personal insurance concierge!”

10. Jerry’s “Insurance About Nothing… Stressful!”

Jerry shrugging: “BGES Group—It’s insurance about nothing… nothing stressful, that is. No crazy fees, no endless phone trees, no aggressive sales tactics. Just straightforward, boutique-level service that makes sure your business is covered without the drama. You’d think insurance would be boring, but BGES makes it simple. It’s kind of like watching an episode of Seinfeld—entertaining and oddly comforting.”

Ready to stop dealing with insurance agencies that feel like factories?

Let BGES Group handle your business insurance needs with mom-and-pop boutique service and no-nonsense policies. Give Gary Wallach a call at 914-806-5853 or email him at bgesgroup@gmail.com. They’ll answer the phone (yes, really!), give you the service you deserve, and protect your business without any “Costanza-level” panic.

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 New York contractors, securing the right insurance coverage is not just a legal requirement but a critical part of protecting your business, employees, and assets. The construction industry is inherently risky, with accidents, property damage, and lawsuits all potential threats to a contractor’s bottom line. Choosing the right Commercial General Liability (CGL) and Umbrella Liability insurance is essential to safeguard against these risks and ensure that your business can continue operating without devastating financial losses.

Here’s what every New York contractor should consider when buying these key insurance policies:

1. General Liability Coverage

At the heart of any contractor’s insurance portfolio is a Commercial General Liability (CGL) policy. This is the foundation of your protection and covers many of the common risks contractors face, including:

        •         Bodily Injury: Covers claims arising from injuries to non-employees caused by your work or on your worksite.

        •         Property Damage: Protects against damage you or your employees cause to someone else’s property during the course of work.

        •         Completed Operations: Covers claims made after the work is completed, such as if a customer claims your work caused property damage or injury after a project is finished.

        •         Products Liability: Protects you from claims related to products you’ve installed that cause harm or damage.

2. Additional Insured Endorsement

New York contractors should always look for policies that offer additional insured endorsements. This endorsement extends coverage to other parties (such as project owners, general contractors, or subcontractors) involved in the work. These endorsements are often required by contract and protect other entities from lawsuits that may arise from your work.

3. Primary and Non-Contributory Coverage

Another critical factor is ensuring that your policy provides primary and non-contributory coverage. This means that your insurance is the primary source of coverage in the event of a claim and does not require the additional insured’s policy to contribute. For contractors, having this coverage is often a contractual requirement and ensures a smooth claims process when other parties are involved.

4. Labor Law Coverage (240/241)

In New York, Labor Laws 240 and 241 create unique risks for contractors, as these laws impose strict liability on employers for certain worksite injuries, especially those involving falls. Your general liability and umbrella policies should include coverage for claims related to these labor laws, protecting you from the potentially massive costs of these claims.

5. Action Over Claims Coverage

An action over claim arises when an injured subcontractor’s employee sues your business, even though they’ve already collected workers’ compensation benefits. This type of claim can be especially costly and is unique to New York’s legal landscape. Make sure your CGL and umbrella policies offer robust coverage for action over claims, as this will protect you from lawsuits resulting from worksite injuries.

6. Pollution Liability

Many general liability policies exclude coverage for pollution-related incidents, but in the construction industry, pollution exposures are common, whether it’s from the release of hazardous materials or construction debris. You should look for a policy that either includes or offers an endorsement for pollution liability.

7. Umbrella Liability Coverage

An Umbrella Liability policy extends the limits of your general liability coverage, providing an additional layer of protection. This is crucial for contractors who work on larger projects or who face high-risk exposures. If a claim exceeds the limits of your general liability policy, the umbrella policy kicks in to cover the excess, protecting your business from large, potentially devastating claims.

8. Waiver of Subrogation

This clause prevents your insurer from seeking reimbursement from another party after they’ve paid a claim. Many contracts require a waiver of subrogation to be in place, so make sure your policy includes it to avoid potential contract disputes.

9. Errors & Omissions (Professional Liability)

While CGL policies cover bodily injury and property damage, they typically exclude coverage for professional errors and omissions. If your work involves design, consultation, or other professional services, you’ll need Errors & Omissions (E&O) coverage, either as a standalone policy or an endorsement to your general liability.

10. Contractual Liability

In the construction industry, contractors often assume liability for others through contracts. Contractual liability coverage ensures that your insurance policy covers you for the liability you’ve assumed under these contracts.

Why BGES Group is the Agency You Should Turn To

Navigating the complex world of insurance for New York contractors can be overwhelming. That’s where BGES Group comes in. As one of New York’s construction insurance specialists, BGES Group has the expertise to help you secure the right policies for your business, ensuring that you’re fully covered for the unique risks you face in the construction industry.

Whether you’re looking for general liability, umbrella liability, or specialized coverage like labor law or action over claims, BGES Group can provide customized solutions tailored to your needs. Their boutique-style service means that you won’t get cookie-cutter insurance. Instead, you’ll work with professionals who take the time to understand your business and recommend the best coverage at competitive rates.

Contact BGES Group Today

Don’t wait until you’re facing a lawsuit or a claim to find out that your coverage is inadequate. Let BGES Group protect your business from the start. For expert guidance on your commercial general liability and umbrella liability insurance needs, contact Gary Wallach at BGES Group:

        •         Phone: 914-806-5853

        •         Email: bgesgroup@gmail.com

        •         Website: www.bgesgroup.com

Get the protection your business needs from New York’s construction insurance experts!

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 know how critical workers’ compensation insurance is to your business. But finding the right policy—at the right price—can be a real challenge. Too often, contractors face issues like sky-high premiums, policy cancellations, and unresponsive brokers. If this sounds familiar, it may be time to make a change.

At BGES Group, we specialize in helping contractors like you get the workers’ compensation coverage they need, without all the headaches. Here are 10 common problems we can help you solve:

1. Overpriced Premiums

Feeling like you’re paying too much for your workers’ compensation insurance? We can help you find competitive pricing that makes sense for your business, helping you save money while still getting the coverage you need.

2. Cancelled Due to Losses

If your policy was cancelled due to past claims or losses, don’t worry. BGES Group has access to special programs that can help get you insured, even if your loss history isn’t perfect.

3. Tired of Annual Audits?

Sick of annual audits that require endless documents? We understand that audits can be a huge hassle. We help you prepare for and simplify the audit process, so you’re not buried in paperwork year after year.

4. Misclassified Payrolls

One common issue contractors face is having their payrolls misclassified, which can drive up premiums. We make sure your payrolls are classified correctly, so you’re not overpaying for coverage you don’t need.

5. Can’t Get Your Broker on the Phone?

If you can’t get your broker on the phone when you need to, that’s a major red flag. At BGES Group, you’ll have direct access to us whenever you need help. We pick up the phone when you call and respond right away.

6. Waiting for Certificates?

Does it take hours, or even days, to get insurance certificates from your broker? We know that delays can hurt your business. At BGES Group, we provide certificates in minutes, so you can keep your projects moving forward.

7. Out-of-State Work Not Covered?

Doing work outside of New York, but finding out too late that your policy doesn’t cover it? BGES Group can help you get a workers’ compensation policy that covers your operations across state lines, ensuring you’re protected no matter where you work.

8. Exorbitant Broker Fees

Is your broker charging you exorbitant policy or service fees? We believe in fair pricing and transparency. At BGES Group, you’ll never be hit with surprise fees, and we work to keep costs reasonable.

9. Complex Policy Language

If you’re confused by all the fine print in your workers’ compensation policy, we can help. We’ll break down your policy in plain English, making sure you understand exactly what you’re paying for and what’s covered.

10. Needing a Broker Who Understands Your Industry

BGES Group specializes in New York construction insurance, so we know the ins and outs of the industry. We can tailor your workers’ compensation policy to fit your specific business needs, ensuring you’re fully protected.

If you’re fed up with workers’ compensation problems, let BGES Group help you find a solution. We’re here to provide personalized, responsive service, and we’ll fight to get you the best policy possible.

Contact BGES Group Today

For a workers’ compensation review or to get a new policy that works for you, contact Gary Wallach at:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

At BGES Group, we know construction—and we know insurance. Let us help you get the coverage you deserve, without all the headaches.

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

New York contractors, this year’s liability insurance market is tougher than ever, and if you’re not careful, it could cost you big. Whether you’re a general contractor, subcontractor, or involved in a niche area of construction, protecting your business with the right insurance is critical. But with the way things are going, you need to think twice before sticking with your current provider—especially without getting a second opinion.

Here’s why this year, you should consider getting a liability insurance quote from BGES Group.

The Insurance Market Is in Turmoil

This year, the liability insurance marketplace for New York contractors is more unstable than ever. Industry giants like Berkshire Hathaway, State Farm, and Travelers have all made drastic changes. Some have placed moratoriums on writing new business, meaning they’re not accepting new policies from contractors. Worse, we’re still uncertain about what they’re planning with their renewal pricing. Even if you’ve been a loyal customer, you could be in for a shock when it’s time to renew.

These companies are hedging their bets, and it’s contractors like you who may end up paying the price.

Brokers Are Overwhelmed—Is Your Renewal Being Handled Properly?

In addition to the chaos in the insurance marketplace, many brokers are overburdened with work. The people managing your account are often so swamped with tasks that they may not be able to properly market your renewal policies. This means they could miss opportunities to secure better pricing or coverage for you.

At BGES Group, we’ve seen it happen too often. Brokers who are overloaded simply can’t give your renewal the attention it deserves, and in this environment, that could mean thousands of extra dollars out of your pocket.

Why You Need a Second Opinion from BGES Group

Here at BGES Group, we specialize in New York construction insurance. Unlike the large, impersonal firms, we offer a true boutique service that’s focused on you. We’re a mom-and-pop operation, which means when you call us, you get us—directly. No layers of gatekeepers. No delays.

We understand the construction industry and the unique challenges contractors face because we’ve been in the trenches. Not only are we knowledgeable about insurance, but we’re also street-smart and tough—traits you don’t often see with account executives at large insurance agencies these days.

When you ask us to do something, we do it right away. We believe in personalized service, and we fight for the best possible outcomes for our clients. That’s what sets us apart.

Get Competitive Quotes Before It’s Too Late

Even if you’re happy with your current insurance provider, it’s always wise to get a second opinion, especially in a year like this. Your incumbent carrier could impose a drastic increase, and you need to be prepared. BGES Group offers a thorough review of your current coverage, ensuring you’re getting the right protection at the right price. If we find areas where you can improve, we’ll give you competitive quotes that reflect the real-world needs of your business.

Don’t leave your future to chance. Protect your business and back yourself up with a second opinion liability quote from BGES Group.

Contact BGES Group Today

To schedule your insurance review or to get a competitive quote, contact Gary Wallach directly. You can reach him at:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

When it comes to protecting your business in this unpredictable market, a second opinion could make all the difference. Trust BGES Group to provide the personalized service and expert guidance you deserve.

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

Masonry insurance is a crucial aspect that every small contractor should consider. While it might seem like an added expense, it provides a safety net that can protect your business in various unforeseen circumstances. In this blog, we’ll explore the key benefits of masonry insurance and why it’s essential for small contractors.

Understanding Masonry Insurance

Before delving into the benefits, it’s important to understand what masonry insurance entails. It is a specialized form of business insurance designed to cover the unique risks faced by masonry contractors. Masonry contractors often work with heavy equipment and materials that can pose significant risks to themselves and their clients. Comprehensive masonry contractor insurance is tailored to address these specific challenges, offering protection against liabilities that can arise from accidents or damage.

Masonry insurance is not a one-size-fits-all solution. The coverage includes various types of policies such as general liability, commercial property, and workers’ compensation insurance. Each of these policies serves a unique purpose, ensuring that different aspects of a contractor’s business operations are safeguarded. For example, general liability coverage protects against lawsuits stemming from injuries or property damage, while commercial property insurance safeguards the contractor’s physical assets from theft or damage.

For small contractors, understanding the nuances of these insurance types and how they apply to their specific business can be a game-changer. It’s about more than just ticking a regulatory box; it’s about creating a solid foundation for your business’s future. By investing in a thorough insurance package, contractors can not only protect themselves financially but also gain a competitive edge in the marketplace, where clients often look for insured contractors as a sign of professionalism and reliability.

Why Small Contractors Need Masonry Insurance

Small contractors often face unique challenges compared to larger companies. Masonry insurance provides a layer of protection that helps manage those challenges effectively. Working as a small contractor involves juggling various tasks and managing risks that can impact your bottom line. Without proper insurance, even a small incident can lead to significant financial strain, potentially jeopardizing the future of your business.

Having masonry insurance in place can also open doors to more opportunities. Many clients, especially in the public sector, prefer or even require contractors to have certain insurance coverages before being eligible to bid on projects. This is because insured contractors are perceived as responsible and better equipped to handle any mishaps that might occur during a project. With comprehensive insurance, you not only protect your business from potential losses but also enhance your credibility and attractiveness to potential clients.

In addition to legal requirements, masonry insurance can significantly bolster a contractor’s reputation. In industries like construction, where projects can be fraught with unforeseen complications, clients appreciate contractors who have taken steps to mitigate risks. Providing proof of insurance can reassure clients that their projects are in competent hands, leading to stronger client relationships and repeat business opportunities.

Coverage for Property Damage and Liability

One of the primary benefits is the coverage it offers for property damage and liability claims, which can save contractors from substantial financial burdens. For instance, if a contractor accidentally causes damage to a client’s property, having general liability insurance can cover the cost of repairs, reducing the contractor’s out-of-pocket expenses and protecting their financial health.

Moreover, property damage isn’t the only concern. Liability claims from third parties can also arise, sometimes unexpectedly. Suppose a passerby is injured at a job site; without insurance, a contractor could face costly medical bills and potential lawsuits. With general liability insurance, these costs are covered, alleviating the stress and financial impact on the business.

It’s also worth noting that this type of coverage can include legal defense costs if a claim goes to court. Legal proceedings can be lengthy and expensive, and having an insurance policy that supports these expenses can be a crucial factor in maintaining your business’s stability. In many cases, the peace of mind that comes from knowing that these potential financial pitfalls are covered is as valuable as the coverage itself.

Protection for Tools and Equipment

Masonry insurance also covers the cost of repairing or replacing expensive tools and equipment, ensuring minimal disruption to your work. In the world of masonry and construction, tools and equipment are not just an investment; they are essential to daily operations. The loss or damage of these assets can halt work, leading to project delays and loss of income.

By having tools and equipment insurance, contractors ensure that they can swiftly recover from such incidents. This insurance covers items like scaffolding, power tools, and machinery from risks such as theft, vandalism, and accidental damage. This means that instead of worrying about the potential loss and its implications, contractors can focus on getting their work done efficiently and keeping projects on schedule.

Additionally, builders’ risk insurance offers protection throughout the construction process itself. Because masonry work often involves projects of considerable size and complexity, ensuring that both the tools and the site itself are covered against unforeseen events can save a contractor from further complications, financial losses, and client disputes.

Meeting Contractual Requirements

Many construction contracts require contractors to have proof of insurance. This coverage ensures that you meet contractual requirements, allowing you to bid on more jobs. Without the necessary proofs of insurance, contractors might find themselves excluded from potentially lucrative projects, limiting their business growth and market reach.

Beyond compliance for bidding purposes, having the right contractor insurance provides an additional level of assurance to all parties involved. Knowing that a contractor has taken steps to secure insurance mitigates the perceived risk for clients, enhancing trust and professionalism.

Furthermore, insurance certificates also protect contractors in case of subcontractor issues. Including the right clauses and waivers in subcontracts can further safeguard your operations, ensuring that everyone on a project understands their role and responsibilities, which helps protect against potentially costly disputes.

Peace of Mind for Business Owners

Having masonry insurance provides peace of mind, knowing that your business is protected against potential lawsuits and other claims that could otherwise be detrimental. Without this safety net, contractors are exposed to significant liabilities that could impact their personal assets and the business’s future.

Insurance can often be viewed as a proactive step towards protecting your investment in your business. In addition to covering unexpected losses, masonry insurance allows contractors to plan better and manage risks more effectively. This balanced approach can lead to better decision-making and a stronger, more resilient business.

Ultimately, masonry insurance isn’t just about protection from the unforeseeable; it’s about setting the stage for success. By minimizing worry over potential mishaps, contractors can concentrate on their goals, grow their business, and cultivate a reputation for reliability and professionalism in their work.

Unlock the Advantages of Masonry Insurance Today

Masonry insurance offers numerous advantages that can safeguard your business from potential risks and financial setbacks. From liability protection and equipment coverage to contract compliance and peace of mind, masonry insurance ensures your operations continue smoothly and efficiently. Investing in the right coverage is not just smart; it’s necessary for the sustainable growth and security of your contractor 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