Finding reliable workers’ compensation insurance and NYS disability coverage can be challenging, especially for businesses in high-risk industries. Many insurance companies refuse to cover certain businesses due to their claims history, industry type, or financial risk factors. If you’ve been struggling to secure workers’ comp insurance, BGES Group is here to help.

At BGES Group, we specialize in providing workers’ compensation and NYS disability coverage for businesses that others won’t insure. Whether you’ve been turned down, faced exorbitant premiums, or simply need better coverage, we are your go-to solution. We service New York, New Jersey & Connecticut areas.

Why Choose BGES Group?

We understand that securing workers’ compensation and disability insurance is critical to your business operations. Here are 10 compelling reasons why you should turn to BGES Group for your insurance needs:

1. We Cover Businesses Others Won’t

Many insurance providers shy away from high-risk industries like construction, trucking, manufacturing, and healthcare. At BGES Group, we specialize in insuring businesses that traditional providers refuse to cover. No matter your industry or risk level, we can find a solution for you.

2. Affordable Pricing & Competitive Rates

If you’ve been hit with excessive workers’ compensation premiums, don’t worry. We have access to top-tier insurance carriers offering affordable, competitive rates that won’t break your budget. We work tirelessly to get you the best deal possible without compromising coverage.

3. Fast and Hassle-Free Coverage

Time is money, and waiting for insurance approvals can be frustrating. Our process is designed to get you covered quickly and efficiently, ensuring that your employees are protected and your business remains compliant.

4. No Business is Too Small or Too Large

Whether you run a small local business or a large corporation, we have customized workers’ compensation and disability coverage options tailored to your specific needs. From sole proprietors to businesses with hundreds of employees, we’ve got you covered.

5. Expertise in High-Risk Workers’ Compensation

Many companies struggle with securing workers’ comp due to past claims, high MOD rates, or operating in a hazardous industry. We specialize in these cases and can help lower your costs over time by guiding you through safety programs, claims management, and loss prevention strategies.

6. Coverage for New Ventures & Startups

Are you a new business owner struggling to get insured? Many carriers refuse to cover startups, but we welcome new businesses and provide tailored workers’ compensation solutions to help you get started on the right foot.

7. NYS Disability Insurance for Employers

In addition to workers’ compensation, we offer NYS disability insurance, ensuring that your employees receive the benefits they need if they suffer an off-the-job injury or illness. It’s a legal requirement in New York, and we make securing this coverage simple and affordable.

8. Dedicated, Personalized Service

Unlike big-name insurance companies that treat you like just another number, we provide one-on-one customer service. We take the time to understand your business, answer your questions, and ensure that you get the best coverage at the right price.

9. We Help You Stay Compliant

State laws and workers’ compensation regulations can be confusing. We help ensure that your business stays compliant with all requirements, avoiding costly fines and legal issues related to improper coverage.

10. Proven Track Record of Success

With years of experience in the insurance industry, we have helped countless businesses secure the workers’ comp and disability coverage they need. Our clients trust us because we deliver results and stand by our promises.

Who We Cover

At BGES Group, we provide coverage for a wide range of industries, including but not limited to:

✅ Construction (General Contractors & Subcontractors)
✅ Trucking & Transportation
✅ Manufacturing & Warehousing
✅ Healthcare & Home Healthcare Agencies
✅ Staffing Agencies
✅ Restaurants & Hospitality
✅ Retail & Wholesale Operations
✅ Cleaning & Janitorial Services

No matter your industry, we can find a workers’ compensation and disability insurance solution that fits your needs.

Contact BGES Group Today!

Don’t let other insurance companies tell you that you’re “uninsurable.” BGES Group is here to provide you with the workers’ compensation and NYS disability insurance you need to protect your employees and your business.

📞 Call us today: (914) 806-5853
📧 Email us: bgesgroup@bgesgroup.com
🌐 Visit our website: www.bgesgroup.com

Whether you’ve been turned down, need better rates, or simply want a provider that understands your industry, BGES Group is your trusted partner for all your workers’ compensation and NYS disability insurance needs. Call us today!

Finding the right contractor insurance is crucial for safeguarding your business and ensuring legal compliance. With many options available, it can be challenging to know what to look for. This guide will help you navigate the complexities of choosing contractor insurance near you.

Understand Your Coverage Needs

Identify the specific risks associated with your contracting business, such as liability, property damage, or workers’ compensation, to determine the types of coverage you need.

Contractors face unique risks every day—from accidental property damage to workplace injuries. Comprehensive insurance policies, such as those offered by Nationwide, can protect against liabilities while providing peace of mind. Coverage options like general liability, property insurance, and workers’ compensation must be balanced to ensure all aspects of your business operations are secured.

In assessing what coverage you need, also consider whether your business engages in high-risk activities like roofing or demolition that require specialized insurance. Insurance specialists, like BGES Group, known for handling high-risk contractors, offer tailored solutions to cover these unique scenarios, ensuring robust protection.

Research State Requirements

Different states have varying requirements for contractor insurance. Familiarize yourself with your state’s regulations to ensure you meet all legal obligations.

Understanding the specific insurance needs dictated by your state is vital. For example, New York might have different workers’ compensation laws compared to New Jersey. Consulting with an insurance provider familiar with state requirements, such as BGES Group’s expertise in New York and surrounding areas, can streamline compliance efforts, preventing potential legal issues.

Assess the Financial Stability of Insurance Providers

Choose reputable insurance providers with proven financial stability to ensure they can cover any claims made against your policy.

When selecting an insurance provider, verifying their financial strength is critical. A provider like Nationwide, which has a robust financial backing, ensures that they can fulfill their obligations when claims arise. This reliability is crucial as dealing with an insurance provider that lacks the funds to cover claims can result in significant setbacks for your business.

Compare Quotes from Multiple Insurers

Gather quotes from several insurers to compare pricing and coverage options. Look for comprehensive coverage at a competitive price.

Comparing insurance quotes allows you to analyze various offers and select the most cost-effective policy. While price is important, it’s equally crucial to assess the scope of protection provided. Ensure that you’re not just opting for the cheapest option but are acquiring substantial and appropriate protection for your contracting needs to prevent unexpected expenses in the future.

Review the Insurer’s Customer Service and Claims Process

Investigate the insurer’s reputation for customer service and claims processing. A reliable insurer should offer a smooth claims experience and responsive customer support.

A positive claims experience is often indicative of good customer service. Ensure the insurer provides straightforward processes for filing claims and resolving disputes efficiently. Reading client reviews and seeking testimonials can give you a glimpse into the reliability of their customer support, ensuring your interactions are seamless and professional.

Request Client Testimonials and References

Seek feedback from other contractors who have used the insurer. Testimonials and references can provide insight into the reliability and effectiveness of the insurance provider.

Testimonials from fellow contractors can offer valuable insights. For instance, a company with consistent positive feedback on their responsive service and fair claims process, like BGES Group, demonstrates reliability. Use these references to gauge the insurer’s track record and to ensure you’re making an informed decision based on firsthand experiences.

Conclusion

Choosing the right contractor insurance requires thorough research and understanding of your specific needs. By considering essential coverage, understanding state requirements, and evaluating insurers, you can select a policy that protects you and 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
 

If Johnny Carson and Rodney Dangerfield were around today, they’d have a thing or two to say about the state of construction insurance. And if they knew about BGES Group, you can bet they’d be rolling out the red carpet (or at least a heavily insured job site) for these insurance pros.

BGES Group specializes in helping New York contractors navigate the treacherous world of liability and workers’ compensation insurance. And let’s face it—when it comes to construction in New York, the only thing more unpredictable than the weather is the insurance market. But don’t worry—Johnny and Rodney are here (in spirit) to make sure you get the best coverage while having a laugh along the way.

What Johnny Carson and Rodney Dangerfield Would Say About BGES Group

Before we dive into why BGES Group is the best choice for your construction insurance needs, let’s hear what these comedy legends would have to say:

10 Jokes About BGES Group (Courtesy of Johnny & Rodney)

1. Johnny Carson: “You know, folks, construction insurance is like a magician’s assistant—if it’s not done right, someone’s getting sawed in half.”

2. Rodney Dangerfield: “I called BGES Group for insurance. They asked if I had any claims. I said, ‘Yeah, I claim I have no idea what I’m doing!’ No respect, I tell ya!”

3. Johnny Carson: “BGES Group is so good, even the wrecking ball companies use them. Just in case they accidentally build something instead.”

4. Rodney Dangerfield: “My last insurance agent was so bad, my policy had an expiration date of ‘Good Luck.’ But BGES Group? They actually know what they’re doing!”

5. Johnny Carson: “BGES Group makes getting insurance so easy, even the guy who forgot to bolt down the scaffolding can do it.”

6. Rodney Dangerfield: “I told BGES Group I needed insurance for my new business. They asked what kind. I said, ‘The kind that protects me from myself!’”

7. Johnny Carson: “BGES Group handles workers’ comp so well, even OSHA gives them a round of applause.”

8. Rodney Dangerfield: “My last policy was so bad, my lawyer read it and started laughing. But BGES Group? They’re the real deal!”

9. Johnny Carson: “You know you’ve got good insurance when even the building inspector says, ‘Now that’s coverage!’”

10. Rodney Dangerfield: “BGES Group got me such a good deal, I finally got some respect… from my bank account!”

Why BGES Group Is No Joke

Now that we’ve had our laughs, let’s talk business. When it comes to construction insurance, BGES Group is the go-to choice for contractors who need serious coverage without the headache. Here’s why:

1. They Specialize in Construction Insurance

Not all insurance agencies understand the unique risks that contractors face, but BGES Group lives and breathes construction insurance. They know the ins and outs of workers’ comp, general liability, and umbrella policies for construction businesses.

2. They Offer Competitive Pricing

BGES Group has access to multiple markets, meaning they can find you the best rates available. And let’s be honest—contractors have enough expenses without overpaying for insurance.

3. They Help You Avoid Hidden Pitfalls

Ever felt like your insurance policy was written in ancient Egyptian hieroglyphics? BGES Group explains everything in plain English so you know exactly what you’re getting—and more importantly, what you’re not.

4. They Handle High-Risk Contractors

Most insurance agencies run the other way when they hear words like “roofing,” “demolition,” or “asbestos.” But BGES Group has special programs for high-risk trades, ensuring even the toughest jobs are properly covered.

5. They Provide Personalized Service

With BGES Group, you’re not just another policy number. You get direct access to real experts who will walk you through your options and help you make the best decision for your business.

6. They Can Bundle Services for More Savings

Need workers’ comp, payroll services, and even group health insurance? BGES Group can bundle them together, saving you time, money, and a whole lot of stress.

7. They Know How to Handle Claims

A bad insurance agent disappears when it’s time to file a claim. But BGES Group sticks with you, making sure you get the support you need when you need it most.

8. They Serve New York, New Jersey, and Beyond

If you’re a contractor in New York, New Jersey, or Connecticut, BGES Group is the local expert who understands the specific regulations and requirements in your area.

9. They Work with All Types of Businesses

From general contractors to roofers, masons, electricians, and more, BGES Group has coverage options for just about everyone in the construction industry.

10. They Actually Care About Their Clients

Let’s face it—most insurance agencies just want to sell you a policy and move on. But BGES Group is built on relationships, meaning they genuinely care about protecting your business.

BGES Group Client Reviews

Don’t just take our word for it—here’s what real clients have to say about working with BGES Group:

⭐ “Gary Wallach and BGES Group made getting insurance so easy. They saved me money and explained everything clearly.” — Michael R.

⭐ “Best insurance agency I’ve ever worked with. Their knowledge of New York construction insurance is second to none!” — Tony D.

⭐ “I was paying way too much for my policy before I switched to BGES Group. They found me better coverage at a lower price. Highly recommend!” — Sarah K.

Get in Touch with BGES Group Today!

Want to get better insurance at a better price? Contact BGES Group today and see how they can help your business stay protected.

📞 Call Gary Wallach at: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: bgesgroup.com

So don’t wait until you’re knee-deep in lawsuits—get the right coverage now and sleep easier tonight. Even Johnny and Rodney would approve!

As a contractor in New York, understanding workers’ compensation insurance is critical to protecting your business from financial disaster. Hiring 1099 workers, day laborers, or paying employees in cash all carry potential risks that can affect your coverage and bottom line, especially during an insurance audit. This article will answer key questions about workers’ compensation insurance and explain how to protect yourself from costly mistakes.

Are 1099 Workers Covered Under Workers’ Compensation in the Event of an Injury?

The short answer is: it depends. If you hire an independent contractor (1099 worker) who truly operates as an independent business—meaning they have their own insurance, work for multiple clients, and provide their own tools—they may not be covered under your policy.

However, if a 1099 worker is injured and it is determined they were functioning more like an employee (i.e., working exclusively for you, using your equipment, or taking direction like an employee), they may be entitled to workers’ compensation benefits under your policy. The New York Workers’ Compensation Board (WCB) and your insurance carrier will assess the nature of the working relationship to determine liability.

How Will 1099 Payments Be Handled During an Audit?

When your workers’ compensation policy is audited, your insurer will examine all payments made to workers. If you paid 1099 workers who should have been classified as employees, their wages may be included in your premium calculation, leading to additional charges.

To avoid surprises, ensure that independent contractors provide proof of their own workers’ compensation insurance. If they don’t, you may be held responsible for covering them, which can lead to higher costs.

Are Day Laborers Covered If They Get Injured?

Yes, day laborers are considered employees for workers’ compensation purposes, even if they work only one day. If a day laborer is injured, they are entitled to workers’ compensation benefits, and your insurance policy is expected to cover the claim.

How Will Day Laborer Payments Affect an Audit?

During an audit, any payments made to day laborers will likely be counted toward your payroll total, which determines your final premium. If you failed to include these wages when purchasing your policy, expect to pay additional premiums.

What Happens If I Pay Workers in Cash and They Get Injured?

Paying workers in cash does not exempt you from workers’ compensation obligations. If a cash-paid worker is injured, they can file a claim, and you could be held liable for medical expenses and lost wages. The WCB does not care how wages were paid—only that they were paid.

How Will Cash Payments Be Handled in an Audit?

At audit time, if you cannot provide proper documentation (such as payroll records or 1099 forms), the auditor may estimate your payroll based on job size, industry standards, or other available data. This can result in substantial additional charges.

What Will a State Workers’ Compensation Plan Say About Hiring 1099s, Day Laborers, and Cash-Paid Workers?

If you have workers’ compensation through the New York State Insurance Fund (NYSIF) or another state plan, they will be very strict about proper worker classification.

• 1099s without proof of their own coverage will be considered employees.
• Day laborers will be covered as employees.
• Cash payments will be scrutinized, and undeclared wages can lead to penalties or policy cancellation.

State plans often require extensive documentation to ensure compliance, so keeping accurate records is essential.

What Will a Private Workers’ Compensation Insurance Company Say About Hiring 1099s, Day Laborers, and Cash-Paid Workers?

Private insurance carriers generally follow the same classification rules as the state fund but may enforce them differently. Some companies may refuse coverage if they find unreported payroll or misclassified workers, while others may charge hefty additional premiums.

If a private insurer determines that you are not following proper classification guidelines, they may:

• Adjust your policy to reflect higher payroll.
• Increase your renewal premium.
• Cancel or non-renew your policy due to misrepresentation.

What Can I Do If My Workers’ Compensation Insurance Company Is Raising My Renewal Premium or Non-Renewing Me Due to Claims?

If your insurance company is drastically increasing your premium or non-renewing your policy due to claims, you still have options:

1. Shop for Alternative Coverage – Not all insurers treat claims history the same way. A broker specializing in high-risk accounts may find you a better option.
2. Review Your Claims History – Make sure all claims were handled properly and negotiate reserves if possible.
3. Implement Safety Programs – Carriers are more willing to work with companies that have clear safety procedures and risk management strategies.
4. Consider a Captive or PEO (Professional Employer Organization) – These options can provide coverage alternatives that may be more cost-effective.

Need Workers’ Compensation Help? Contact the Experts at BGES Group!

Workers’ compensation insurance is complex, especially in New York’s construction industry. Hiring 1099 workers, day laborers, or paying employees in cash can create serious risks if not handled properly.

BGES Group specializes in helping contractors navigate the workers’ compensation system and find affordable, reliable coverage. If your current insurer is increasing rates or canceling your policy, we can help you secure new coverage that meets your needs.

Contact Gary Wallach today! 📞 Phone: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌎 Website: www.bgesgroup.com

Don’t wait until it’s too late—get the right coverage today and protect your business from costly mistakes!

For employers and employees in New York, understanding New York State Disability Insurance (DBL) and Paid Family Leave (PFL) is essential. These coverages provide financial support to workers who are unable to work due to non-work-related disabilities or who need time off to care for a loved one. Employers are required to provide these benefits, and many businesses look for ways to enhance coverage to better protect their workforce.

In this article, we will break down what DBL and PFL cover, how much employees can receive, who pays for these coverages, and the impact on employers. Additionally, we will explore options for enhancing benefits beyond the statutory limits and how BGES Group can help you secure the right coverage for your business.

---

What Do New York State Disability Insurance (DBL) and Paid Family Leave (PFL) Cover?

New York State Disability Insurance (DBL)

DBL provides short-term wage replacement benefits to employees who are unable to work due to a non-work-related illness, injury, or pregnancy-related condition. It does not cover work-related injuries, which are handled under Workers’ Compensation.

• Who is covered?
  Full-time and part-time employees who have worked for a covered employer for at least four consecutive weeks are eligible for DBL.
• Duration of benefits:
  Employees can receive up to 26 weeks of DBL payments within a 52-week period.
• Common qualifying conditions:
  • Recovering from surgery
  • Complications due to pregnancy
  • Severe illness preventing the ability to work

Paid Family Leave (PFL)

Paid Family Leave (PFL) allows employees to take time off while receiving partial wage replacement to:

1. Bond with a newborn, adopted, or foster child
2. Care for a seriously ill family member (parent, child, spouse, domestic partner, grandparent, grandchild, sibling, or parent-in-law)
3. Assist a family member on active military duty

• Who is covered?
  Employees who have worked for 26 consecutive weeks (full-time) or 175 days (part-time) are eligible.
• Duration of benefits:
  Employees can receive up to 12 weeks of PFL benefits in a 52-week period.

---

How Much Can an Employee Receive Under DBL and PFL?

New York State Disability (DBL) Payment Amounts

• The maximum weekly benefit under DBL is $170 per week.
• Benefits begin after a 7-day waiting period and can continue for up to 26 weeks.
• Since the $170 benefit is quite low, many businesses opt to purchase enhanced coverage to provide higher benefits.

Paid Family Leave (PFL) Payment Amounts

• PFL benefits are based on a percentage of an employee’s average weekly wage (AWW), capped at New York State’s average weekly wage (NYSAWW).
• In 2024, PFL pays 67% of the employee’s AWW, up to a maximum of $1,151.16 per week.
• Unlike DBL, PFL does not have a waiting period—benefits begin immediately.

---

Who Pays for DBL and PFL?

Disability Insurance (DBL) Cost and Funding

• Employers are required to provide DBL coverage for their employees.
• The cost of the policy can be shared with employees, but employees cannot be charged more than 0.5% of their wages, up to $0.60 per week.
• Many employers choose to cover the full cost or purchase enhanced plans to provide higher benefits to employees.

Paid Family Leave (PFL) Cost and Funding

• Employees fund PFL through payroll deductions—there is no direct employer contribution required.
• The 2024 employee contribution rate is 0.373% of an employee’s gross wages, capped at $333.25 per year.
• Employers must collect and remit the premiums to the insurance provider.

---

What Are the Employer Implications?

Employers must comply with DBL and PFL regulations by:

• Ensuring coverage is in place through a private insurance carrier or the state plan.
• Withholding employee contributions for PFL and remitting payments.
• Coordinating leave requests and ensuring employees receive the correct benefits.
• Avoiding penalties—failure to provide DBL or PFL coverage can result in fines and legal consequences.

Employers who fail to carry DBL can face:

• A fine of $0.50 per employee per week of non-compliance.
• A penalty of up to $500 or 1-year imprisonment.

---

Enhancing Coverage Beyond the $170 Weekly Statutory Amount

While DBL provides crucial income protection, the $170 weekly benefit is often insufficient. Many insurance companies offer enhanced DBL coverage, which allows employers to provide higher benefits to their employees.

Enhanced DBL Plans May Offer:

• Increased weekly benefits (e.g., $300, $400, or more per week).
• Shorter waiting periods before benefits begin.
• Extended benefit duration beyond 26 weeks.

Employers who upgrade their DBL coverage can:

• Attract and retain top talent by offering better benefits.
• Reduce employee financial stress during medical leave.
• Differentiate themselves from competitors who only provide the minimum state-mandated benefit.

---

How BGES Group Can Help You Purchase DBL and PFL Coverage

Who is BGES Group?

BGES Group is a New York-based insurance agency specializing in helping businesses secure the best workers’ compensation, liability, and employee benefits coverage.

Why Work with BGES Group?

• We provide expert guidance on DBL and PFL coverage.
• We shop the market to find the best enhanced DBL plans to fit your budget and workforce needs.
• We simplify compliance and help employers avoid fines and legal issues.
• We offer additional insurance solutions, including workers’ compensation, payroll services, and group health insurance.

Contact BGES Group Today

If you’re a New York employer looking for affordable DBL and PFL coverage—or want to explore higher benefits for your employees—BGES Group can help.

Contact Gary Wallach today:

• Phone: (914) 806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

BGES Group specializes in helping New York businesses navigate insurance challenges, ensuring you get the best coverage at the best price.

---

Final Thoughts

New York Disability Insurance (DBL) and Paid Family Leave (PFL) provide important protections for employees, but many businesses find that the statutory benefits are too low. Employers can enhance DBL coverage to provide better financial support to their workforce.

If you need DBL, PFL, or enhanced disability coverage, BGES Group can help you secure affordable, high-quality coverage. Contact Gary Wallach today to get started!

New York contractors are facing a new and frustrating challenge when it comes to obtaining and maintaining liability insurance. Owner and general contractor coverage screening services are scrutinizing policies more than ever, rejecting contractors’ insurance for exclusions and policy provisions that they deem non-compliant.

If your liability policy has labor law exclusions, hard hammer independent contractor forms, temporary leased or labor forms, or other restrictive clauses, these screening services will not approve your coverage. Without approval, you can’t work on certain projects—potentially losing jobs and damaging your business.

So, what can you do if your current insurance isn’t passing these screenings? This is where BGES Group, one of New York’s construction insurance specialists, comes in. BGES Group can help you find a new insurance provider that offers compliant policies, ensuring you don’t get blocked from jobs due to coverage issues. Phone #914-806-5853 – Gary Wallach

---

The Growing Insurance Screening Problem for New York Contractors

In the past, as long as contractors carried general liability insurance, most project owners and general contractors would accept it. However, the rise of third-party screening services like, and others has changed the game.

These services act as strict gatekeepers, analyzing every detail of a contractor’s insurance policy to ensure it meets specific requirements. If they find exclusions, limitations, or unfavorable endorsements, they reject the policy, meaning you can’t move forward with the project unless you fix the issue.

Contractors across New York are facing rejections due to:

• Labor law exclusions – If your policy excludes New York Labor Law coverage (Sections 240/241), your insurance is considered inadequate.
• Hard hammer independent contractor forms – These forms place significant risk on the contractor, making insurance insufficient in the eyes of these screening services.
• Temporary labor or leased worker exclusions – If your insurance does not cover leased or temporary workers, your policy might be rejected.
• Primary and non-contributory wording issues – Many screening services require strict primary and non-contributory language, which not all policies include.
• Action over exclusions – This exclusion removes coverage for lawsuits filed by injured workers against higher-tier contractors, making it a major red flag.

If your policy contains any of these restrictions, you could find yourself locked out of projects with no way to fix the problem—unless you get the right insurance.

---

Why This is a Big Problem for Contractors

New York’s labor laws already create one of the toughest insurance markets in the country, and these screening services are making it even harder. Many contractors are:

• Losing out on jobs because their insurance doesn’t meet screening standards.
• Scrambling to find a new policy when they receive rejection notices.
• Facing unexpected delays when their certificate of insurance (COI) isn’t approved.
• Paying higher premiums when forced to switch insurers last minute.

What makes this even more frustrating is that some contractors were never told these exclusions were in their policies when they bought them. Many agents sell policies without fully explaining the fine print, leaving contractors vulnerable when screening services flag the exclusions.

---

What Can You Do?

If your insurance policy is getting rejected, don’t panic—there are solutions.

The first step is to work with an insurance specialist who understands New York’s construction industry and the strict screening requirements contractors face. That’s where BGES Group comes in.

BGES Group specializes in helping New York contractors secure liability insurance that meets owner and general contractor requirements. Unlike general insurance agents, BGES Group understands the complexities of construction insurance and helps contractors get their policies passed with screening services.

---

How BGES Group Can Help

At BGES Group, we don’t just sell policies—we strategically find coverage that works for your business.

Here’s what we do:

• Review your current policy to identify any exclusions or endorsements that could cause problems.
• Find new insurance providers that offer compliant policies—ones that will pass screening services.
• Ensure your policy includes New York Labor Law coverage, proper additional insured endorsements, and primary/non-contributory language.
• Help you obtain competitive pricing while still meeting all compliance requirements.
• Work quickly to minimize job delays and keep your projects on track.

Our team has relationships with top-tier insurance carriers that specialize in New York construction insurance. That means we can provide better solutions than general insurance agencies that don’t fully understand the industry’s unique requirements.

---

Don’t Lose Work Over Your Insurance—Call BGES Group Today

If your liability insurance isn’t passing owner and general contractor coverage screenings, you need a specialist who can fix the problem fast.

BGES Group is here to help you secure compliant, cost-effective coverage so you don’t lose work due to insurance rejections.

Contact us today:

• Call: Gary Wallach at 914-806-5853
• Email: bgesgroup@gmail.com
• Visit: www.bgesgroup.com

Don’t wait until your insurance gets rejected—get ahead of the problem now with a team that knows how to navigate New York’s tough insurance market. BGES Group has your back!

Let’s be honest, ladies—there’s just something undeniably attractive about a man in a hard hat. But beyond the rugged good looks and impressive tool collection, construction workers bring a lot more to the table when it comes to being great husbands. From their ability to build and fix things to their tough, hardworking nature, here are 15 reasons why a construction worker might just be the perfect man to marry.

1. He Can Fix Anything

Leaky faucet? Broken chair? A shelf that needs hanging? Your construction man is basically a walking, talking home improvement expert. You’ll never have to wait for a handyman again—he’s got it all under control!

2. He’s Always in Shape

No need for a gym membership—his daily work is a full-body workout. Those muscles? They’re built from lifting heavy materials, climbing scaffolding, and working hard every day. You get a personal handyman and a built-in fitness model!

3. He Loves Power Tools

And he actually knows how to use them. Whether it’s a saw, power drill, or nail gun, he’s got the skills to build, fix, and create whatever you need. Plus, he’ll never judge you for having an extensive collection of shoes when he has an even bigger collection of tools!

4. He Knows How to Wear a Hard Hat

There’s just something about a man who makes safety look so good. Hard hat, tool belt, steel-toed boots—it’s basically the construction worker fashion show every day, and we’re here for it.

5. He’s Got Great Balance

Years of walking across scaffolding, climbing ladders, and maneuvering tight spaces have given him cat-like agility. Whether it’s carrying all the grocery bags in one trip or dancing at a wedding, he’s got it covered.

6. He’s Resourceful

Lost your car keys? Need a last-minute fix for a broken chair? Construction workers know how to problem-solve like pros. With a little duct tape and some ingenuity, he can make just about anything work.

7. He Can Handle the Heat (and the Cold)

Rain or shine, freezing temperatures or scorching sun, he gets the job done. No complaints, no whining. That means he won’t mind keeping the house a little cooler in the summer or a little warmer in the winter to keep you happy.

8. He’s Got a High Pain Tolerance

Ever seen a construction worker shake off a hammer-to-the-thumb moment like it’s nothing? He’s built tough. That means no whining over paper cuts or stubbed toes—this man is practically indestructible.

9. He Brings Home the Bacon

Construction work is tough, but it pays well. With his financial stability, you’ll be able to enjoy life’s little luxuries and maybe even that dream home he can help build.

10. He’s a Master of Measurements

“Measure twice, cut once” is his motto. Whether it’s hanging pictures, arranging furniture, or figuring out the perfect spot for your new couch, he’ll get it exactly right the first time.

11. He’s Great with His Hands

And not just when it comes to work. Whether it’s giving the best back rubs, fixing your car, or opening that impossible pickle jar, his hands are strong, steady, and always ready to help.

12. He’s Patient and Persistent

Building and fixing things requires serious patience. He knows how to stick with a job until it’s done right—qualities that make for an excellent husband and father.

13. He Knows How to Work as a Team

Construction sites require coordination and teamwork, and he’s used to working with others to get the job done. That means he’ll be a great partner in life, whether it’s planning a trip, raising kids, or just deciding what’s for dinner.

14. He’s Reliable and Hardworking

No excuses, no laziness—he shows up and gets things done. That same work ethic applies to relationships, making him a dependable and loyal partner you can count on.

15. He Can Literally Build Your Dream Home

Need we say more? Whether it’s a custom-built deck, a stunning kitchen remodel, or a new fence for your backyard, he has the skills to bring your Pinterest dreams to life—all without hiring a contractor.

---

Simplify Your Life with BGES Group

While your construction hero is busy building a better world (and possibly your dream home), let BGES Group handle his construction insurance needs. We specialize in New York, New Jersey, and Connecticut, offering top-tier, mom-and-pop-style service to protect your business and livelihood.

For expert assistance with your business insurance needs, contact Gary Wallach at 914-806-5853. Because a well-protected husband means a happy wife—and we all know a happy wife makes a happy life!

---

This version keeps the humor and fun while adding five extra reasons. Let me know if you’d like any tweaks! 😊

In the bustling and fast-paced world of New York City construction, navigating the maze of regulations and risks can be an overwhelming task for general contractors. One way to secure peace of mind and ensure a smooth workflow is by investing in comprehensive general contractor insurance. Let’s delve into the many reasons why this coverage is indispensable in the Big Apple’s unique construction landscape.

1. Navigating New York City’s Complex Regulatory Environment

New York City has some of the strictest building codes and regulations in the country. Keeping up with these ever-changing rules, insurance provides a safety net to handle any compliance-related issues. These regulations are designed to ensure safety and quality, but they can also pose significant challenges to contractors. Having the right insurance helps mitigate risks associated with non-compliance, such as fines or legal actions. For instance, tailored contractor insurance can align specifically with New York City’s regulations, providing comprehensive resilience needed for this environment.

2. Protection Against Costly Liability Claims

The construction industry is fraught with potential hazards. Liability insurance is key in protecting against the financial fallout from accidents, injuries, or property damage. In a city as densely packed as New York, the stakes are higher, and the risks are abundant. Liability claims can arise from various incidents, whether it’s a visitor on-site getting injured or accidental damage to an adjacent building. These risks make it imperative for general contractors to have comprehensive liability insurance to shield against costly claims. This protection not only covers legal fees but also potential settlement costs, providing essential financial support.

3. Mitigating Risks of Worker Injuries

Worker safety is paramount, yet accidents happen. Insurance ensures that medical costs and lost wages are covered, minimizing the impact on both the worker and the business. Workers’ compensation insurance is a legal requirement in New York, providing necessary support for injured employees without imposing financial burdens on the business. It’s essential to protect your team who might encounter hazardous conditions daily, especially in a high-risk city like New York. This coverage is not just about compliance; it’s about prioritizing your workforce’s welfare, which is crucial for maintaining a motivated and productive team.

4. Safeguarding Against Property Damage

Construction sites in NYC are often tightly packed amid existing structures. Coverage against unintentional damage to neighboring properties is essential. The densely built environment of New York City makes the probability of property damage significantly higher. Whether through accidental debris fall or unforeseen structural impacts, having insurance covers potential repair costs or legal liabilities, ensuring that such incidents don’t financially cripple the contractor. Furthermore, thorough coverage can even extend to client properties, reinforcing trust and ensuring client satisfaction. By safeguarding against these risks, contractors can focus on their projects with peace of mind.

5. Legal Defense and Settlement Support

In the event of a lawsuit, insurance can provide financial support for legal defenses and settlements, enabling contractors to focus on their business rather than lengthy courtroom battles. Legal proceedings can be incredibly taxing, both financially and emotionally. With comprehensive insurance, contractors can leverage legal expertise to defend against claims without depleting their resources. This support is instrumental in navigating New York’s rigorous legal landscape and can be a decisive factor in a contractor’s ability to sustain operations during legal challenges. Moreover, it also offers the reassurance that comes with knowing one has a partner during such critical times.

6. Fulfilling Contractual Requirements

Many contracts require proof of insurance before work can commence. Having adequate coverage ensures compliance and smooth commencement of projects. This not only fulfills legal obligations but also builds trust with clients and partners by demonstrating preparedness and commitment to risk management. In a competitive market like New York, meeting these contractual requirements promptly can also expedite project timelines, allowing contractors to secure and begin lucrative projects more swiftly. Additionally, insurance verification can serve as a critical factor during project bidding stages, differentiating contractors in a crowded field.

7. Enhancing Professional Reputation

Carrying insurance boosts credibility with clients and partners, showcasing a commitment to quality and responsibility. In an industry where trust and reliability are paramount, having comprehensive insurance coverage can significantly differentiate a contractor from their competition. Clients gain confidence knowing that potential risks are managed proactively, and that the contractor is prepared to address any issues without disrupting project progress. This reputation for reliability can lead to increased referrals and strong partnerships within the industry, enhancing business growth and sustainability in the long term.

8. Financial Stability for Unexpected Setbacks

Unforeseen setbacks can derail projects and strain finances. Insurance provides a financial buffer, helping contractors weather surprises and maintain operational stability. Whether faced with sudden equipment failure or regulatory changes, having comprehensive coverage ensures that these challenges do not cripple the business. By mitigating the financial impact of such events, contractors can focus on adapting and continuing operations without fearing insolvency. In a city like New York, where the construction pace is relentless, this financial resilience is not just advantageous—it’s imperative for survival in the market.

9. Protecting Against Equipment and Tool Loss

Tools and equipment are essential assets for any contractor. Insurance coverage for these items protects against theft or damage, ensuring workflows remain uninterrupted. Given the high value and crucial role of equipment in construction projects, their loss can lead to significant financial strain and project delays. Comprehensive coverage secures these investments, providing options for repair or replacement and minimizing downtime. In a bustling city like New York, where sites are active around the clock, such protection is vital for maintaining project schedules and meeting client expectations.

10. Handling Natural Disasters and Weather-Related Delays

Weather unpredictability can halt construction progress. Insurance helps cover losses from delays due to natural events, keeping projects on track despite unforeseen conditions. In the Northeast, where weather can vary drastically, having coverage that accounts for everything from hurricanes to harsh winters is critical. This insurance not only covers potential physical damage but also compensates for lost time, enabling contractors to recover swiftly and minimize financial losses. By navigating these natural barriers effectively, contractors can maintain their reputation for delivering projects on schedule.

11. Ensuring Business Continuity

In NYC’s dynamic environment, continuous operation is vital. Insurance safeguards against major interruptions, supporting ongoing business activities and financial health. From supply chain disruptions to unexpected legal challenges, having a robust insurance policy in place allows contractors to absorb these shocks without compromising their business continuity. This proactive approach to risk management is essential in a competitive market where downtime can mean missed opportunities and lost clients. By ensuring business continuity, contractors not only protect their current operations but also pave the way for future growth.

12. Coverage for Errors and Oversights

Mistakes happen, even to the best of professionals. Insurance protects against the financial consequences of errors, allowing contractors to correct issues without crippling costs. Whether it’s a design oversight or a construction error, having suitable coverage provides the means to address these problems swiftly and effectively. This not only safeguards the contractor’s finances but also strengthens their reputation for accountability and responsibility. In NYC, where precision and quality are expected, this level of preparedness is key to maintaining client trust and ensuring project success.

13. Peace of Mind in a High-Stakes Industry

The construction industry is high pressure and fast-paced. Insurance provides peace of mind, allowing contractors to focus on delivering quality results. With the assurance that potential risks are managed, contractors can dedicate their energies towards innovation and excellence in their work. This peace of mind translates to improved productivity and morale, both for the contractor and their team. In the intense environment of NYC construction, such confidence is not just a benefit; it’s a necessity for sustained performance and success.

14. Facilitating Investor and Stakeholder Confidence

Investors and stakeholders prefer to work with insured contractors, knowing that their projects and investments are better protected against potential risks. Comprehensive insurance coverage is not only a risk mitigation tool but also a strategic asset that enhances investor relations. By demonstrating robust risk management practices, contractors can attract and retain investment, fostering financial support and stability. This assurance of safety aligns with stakeholder interests, encouraging continued collaboration and support even when projects face unforeseen challenges.

15. Supporting Long-Term Business Growth

Comprehensive insurance is not just about protection today; it’s an investment in the long-term growth and sustainability of the business by safeguarding against a host of potential issues. This coverage supports risk management, enabling contractors to pursue ambitious projects without the fears of crippling setbacks. As businesses expand and take on more diverse and complex projects, having a robust insurance framework ensures that growth is both strategic and secure. In the fast-evolving landscape of NYC construction, this forward-thinking approach can be the difference between thriving and merely surviving.

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
 

Attention New York contractors: A major insurance company is set to drop all contractor policies starting in April 2025. This carrier has been a go-to for great coverage and competitive rates, but like all good things, this too is coming to an end.

What does this mean for you? If you don’t act now, you could be left scrambling for coverage—risking gaps in protection, higher premiums, and even difficulty finding a new policy.

The key to securing the best rates and coverage in this changing market? Get organized. Follow these step-by-step instructions to prepare yourself before renewal time.

---

Step 1: Set Up an Insurance Folder on Your Computer

You need all your key insurance documents in one place for easy access. Create a dedicated folder on your computer and save everything in PDF format. This will make working with brokers and insurance companies much smoother.

---

Step 2: Gather Your Current Policies

Locate and save digital copies of all your current policies, including:
✔️ General Liability
✔️ Workers’ Compensation
✔️ Business Auto
✔️ Umbrella/Excess Coverage (if applicable)

---

Step 3: Complete a Contractor Questionnaire

Insurers need detailed information to assess your business properly. We can provide you with a contractor questionnaire—fill it out and save it in your folder.

---

Step 4: Write a Detailed Business Description

Don’t just say you do “all kinds of work”—be specific. A well-documented business description helps insurers understand your operations and lowers your risk profile.

• What type of work do you specialize in?
• Do you work at heights? If so, how high?
• What fall protection and safety procedures do you follow?

Insurers want to see that you take safety seriously. The more detailed you are, the better your chances of securing good coverage.

---

Step 5: Track Your Insurance History (Last 5-7 Years)

Identify all the insurance companies you’ve used for:
✅ General Liability
✅ Workers’ Compensation
✅ Business Auto

Save this list in your folder. You will need it to obtain updated loss runs.

---

Step 6: Request and Store Your Loss Runs

Loss runs are reports showing your claims history. Insurance carriers will not quote your business without them.

• Contact your past insurance companies and request loss runs covering at least the past 5 years (7 is even better).
• We can provide you with pre-written request letters—just update the dates and send them out.

Save all your loss runs in your folder as soon as you receive them.

---

Step 7: Prepare Resumes for Company Owners

If you’re a new company, having a professional resume outlining your experience is critical.
If you’ve been in business for a while, a resume may not be required, but it’s still good to have in your folder.

---

Step 8: Review Your Subcontractor Agreements

If you use subcontractors, you must have:
📌 A written insurance and hold harmless agreement for each sub
📌 Signed and dated copies of these agreements
📌 A certificate of insurance from each sub showing they have proper coverage

This is critical—if you don’t have these in place, you could be on the hook for their claims.

---

Step 9: Create or Update Your Safety Manual

Insurance companies love to see a written safety plan. If you don’t have one, it’s time to put one together. Save it in your folder so it’s ready to send to insurers.

---

Step 10: Work with a Specialist Who Puts You First

With a major insurer leaving the market, competition for coverage will be tougher than ever. You need an insurance agency that:
✅ Understands New York’s contractor market
✅ Works with multiple carriers to find you the best deal
✅ Provides personalized service—not a call center runaround

At BGES Group, we’re not like the big corporate agencies where one account executive juggles 100+ clients. We operate like a Mom-and-Pop boutique, giving each contractor the personal attention they deserve.

✔️ When you call, we answer the phone.
✔️ Need a certificate? We get it done ASAP.
✔️ You’ll work with the same knowledgeable, street-smart expert year after year.

---

Don’t Wait – Start Preparing Now!

The 2025 insurance shake-up is coming fast. If you wait until the last minute, you could find yourself without coverage or paying through the roof.

Let BGES Group help you prepare. Call or email us today to get started.

📞 Gary Wallach – (914) 806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

Finding the right workers’ compensation insurance can be challenging. If you’re dealing with high rates, a policy that’s been non-renewed, or struggling to find coverage due to a high-risk classification, you’re not alone. Many business owners face these challenges, but there’s good news—BGES Group specializes in solving these problems and more.

Common Workers’ Compensation Issues & How BGES Group Can Help

1. Sky-High Premiums

Are you paying exorbitant workers’ compensation premiums? BGES Group has access to numerous carriers and specialized programs that can provide more affordable rates tailored to your specific industry. We work diligently to negotiate better terms and find cost-effective solutions for your business.

2. Policy Non-Renewals

If your current insurer refuses to renew your policy, you may feel stuck. Whether it’s due to claim history, industry classification, or company risk appetite, BGES Group can step in and quickly secure a replacement policy to keep your business protected.

3. High-Risk Industry Challenges

Businesses in high-risk industries—such as construction, trucking, manufacturing, and wholesale—often struggle to find adequate coverage. BGES Group has extensive experience working with companies in these sectors and can connect you with specialized programs designed for your unique needs.

4. Exhaustive Annual Audits

Tired of dealing with intrusive and time-consuming audits every year? We assist our clients in managing these audits more efficiently, ensuring payroll and classification errors don’t result in overcharges.

5. Employee Payroll Misclassification

Payroll misclassification can lead to incorrect premiums and unexpected charges. We help businesses correctly classify employees, ensuring they pay only what is required—nothing more.

6. Delayed Certificates of Insurance

Many businesses need certificates of insurance issued quickly to secure contracts or maintain compliance. If you’re experiencing delays, BGES Group ensures certificates are processed promptly so you can focus on running your business.

7. Excessive Broker Service Fees

Is your broker charging outrageous service fees? We believe in transparent and fair pricing. With BGES Group, you’ll receive expert service without unnecessary fees cutting into your budget.

8. Alternative Payroll & Workers’ Compensation Solutions

Looking for a payroll service that integrates seamlessly with your workers’ compensation program? BGES Group offers solutions that make payroll and workers’ compensation management easier, reducing administrative burdens and improving efficiency.

9. Poor Service from Your Broker or Insurance Company

If your current insurance company or broker is unresponsive, unhelpful, or failing to meet your expectations, it’s time for a change. BGES Group provides top-tier customer service, ensuring you get the attention and solutions you deserve.

10. Any Other Workers’ Compensation Challenge? We Have a Solution!

No matter what workers’ compensation issues you’re facing, BGES Group has the expertise and resources to help. We take the time to understand your business and provide personalized solutions that keep you compliant, protected, and financially stable.

Serving Tri-State Business Owners in Multiple Industries

BGES Group is proud to assist business owners across the Tri-State area. In addition to being able to get coverage for just about any business owner, we offer specialized workers’ compensation programs for:

• Contractors – Coverage tailored for general contractors, subcontractors, and specialty trades.
• Limousine Services – Designed for livery companies that need reliable coverage options.
• Trucking Companies – Helping trucking businesses secure proper coverage despite industry risks.
• Manufacturers & Wholesalers – Protecting businesses involved in production and distribution.

Why Choose BGES Group?

• Expertise & Experience – Years of experience helping businesses navigate the complexities of workers’ compensation.
• Access to Multiple Carriers – We find the best policies from a wide range of providers.
• Personalized Service – Every business is unique, and we customize solutions to fit your needs.
• Fast & Efficient – Quick policy placement, certificate issuance, and issue resolution.
• Cost Savings – We work to secure the most competitive rates and reduce unnecessary expenses.

Get in Touch Today!

If you’re ready to solve your workers’ compensation problems, reach out to BGES Group today. We are here to provide expert guidance and the best coverage solutions for your business.

Contact Information:

• Owner: Gary Wallach
• Phone: (914) 806-5853
• Email: bgesgroup@gmail.com
• Website: https://bgesgroup.com

Don’t let workers’ compensation headaches slow you down. Call BGES Group today and let us handle your insurance needs so you can focus on growing your business!