Small and mid-sized employers now have a valuable opportunity to reduce penalties for workplace safety violations, thanks to recent updates from the U.S. Department of Labor. As of July 14, 2025, the Occupational Safety and Health Administration (OSHA) has revised its penalty framework to ease financial burdens on small businesses while continuing to hold them accountable for maintaining a safe working environment.

These updates not only provide significant savings potential for responsible employers, but also reinforce the importance of acting quickly and maintaining strong safety records.

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What’s Changing in OSHA’s Penalty Policy?

Outlined in OSHA’s updated Field Operations Manual, the revised policy introduces three key opportunities for penalty reductions:

1. Quick Hazard Correction (15% Reduction)

Employers who immediately fix hazards identified during an inspection are eligible for a 15% penalty reduction. Immediate abatement must be thoroughly documented and verified by OSHA officials.

2. Expanded Small Business Relief (70% Reduction)

Previously, businesses with 10 or fewer employees could qualify for a 70% reduction in penalties. Now, that threshold has increased—employers with up to 25 employees may qualify. This change acknowledges the resource limitations often faced by smaller firms.

3. Clean Inspection History Credit (20% Reduction)

Employers can earn an additional 20% reduction if they:

• Have never been inspected by federal OSHA or a state plan, or
• Have had an inspection within the last five years with no serious, willful, or failure-to-abate violations

These reductions can be combined, offering eligible employers a total penalty reduction of more than 80%.

⚠️ Note: OSHA retains full discretion to deny reductions, particularly in cases involving egregious or repeated violations.

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How Employers Can Take Advantage

To benefit from the revised OSHA policy, employers should take the following proactive measures:

• Track Workforce Size: Ensure you’re aware of your employee count. Businesses with 25 or fewer employees are now eligible for expanded relief.
• Train for Quick Response: Establish protocols so supervisors and safety managers can correct hazards immediately and provide proper documentation.
• Review Your Inspection Record: If your company has never been inspected, or hasn’t had serious citations in the past five years, you may qualify for the clean history credit.
• Be Prepared to Negotiate: If cited, consult a safety expert or legal advisor to confirm eligibility for all applicable reductions.

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What This Means for Employers

The updated penalty framework reflects OSHA’s broader strategy: supporting small businesses without compromising on workplace safety. By rewarding prompt action and clean records, the agency encourages employers to stay ahead of safety issues rather than wait for enforcement.

Still, OSHA has made it clear: this isn’t a free pass. Employers who ignore hazards, demonstrate poor safety practices, or act in bad faith will continue to face serious consequences.

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Need Help Navigating OSHA Compliance? Contact BGES Group

At BGES Group, we specialize in helping small and mid-sized businesses navigate complex regulatory landscapes, including OSHA compliance and risk management. With decades of experience in insurance, safety consulting, and employee benefits, our goal is to empower business owners to run safer, more efficient operations—without unnecessary penalties or interruptions.

What We Do:

• OSHA compliance consulting
• Workers’ compensation and general liability programs
• Risk management and safety training
• Affordable insurance solutions tailored to your industry

Contact Us Today:

📞 Call: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

Let us help you take advantage of these new OSHA guidelines and keep your workplace safe and compliant.

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BGES Group — Protecting Your People, Your Profits, and Your Peace of Mind.

When it comes to liability insurance for contractors in New York, one of the most misunderstood—and potentially devastating—coverage issues revolves around Labor Law. For general contractors and subcontractors, being improperly covered (or not covered at all) for New York Labor Laws 240, 241, and 200 can mean financial ruin in the event of a serious accident.

The sad truth? Many contractors think they’re covered—only to find out too late that critical exclusions leave them exposed to multi-million-dollar lawsuits. Let’s dig into what Labor Law coverage is, what types of claims would be covered with the right policy in place, and the kinds of disasters that could be denied if your policy isn’t structured correctly.

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What Is Labor Law Coverage?

In New York, Labor Law 240 (the “Scaffold Law”) and Labor Law 241 impose absolute liability on property owners and contractors when a worker falls from a height or is struck by a falling object—even if the contractor wasn’t negligent.

Labor Law 200 covers general workplace safety and hazards. These laws are designed to protect workers—but they place an enormous liability burden on contractors.

Without the proper Labor Law endorsements on your liability policy, your insurance company can (and often will) deny coverage for these claims.

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5 Examples of Claims That Would Be Covered with Labor Law Protection

1. Rooftop Fall – $2.8 Million Settlement

A subcontractor’s employee was working on a 3-story townhouse roof in Brooklyn. No fall protection was provided. He fell 20 feet and suffered multiple fractures and a traumatic brain injury.

Covered? Yes, with proper Labor Law 240 coverage.

2. Falling Object Injury – $1.6 Million Judgment

A worker on the ground was struck by a brick that fell from a scaffold during renovation in Manhattan. The worker required spinal surgery.

Covered? Yes, because the incident falls under Labor Law 240 protections.

3. Ladder Collapse – $3.2 Million Lawsuit

An electrician working on a 12-foot ladder inside a retail store fell when the ladder slipped on a recently waxed floor. He became partially disabled.

Covered? Yes, with Labor Law 240 and 241 coverage.

4. Shoring Collapse – $4.5 Million Jury Award

A foundation worker in Queens was injured when an improperly braced trench collapsed.

Covered? Yes, under Labor Law 241(6), which governs excavation and demolition worksite safety.

5. Platform Slip – $950,000 Claim

A painter slipped on a wet temporary platform due to missing guardrails and no non-slip surface.

Covered? Yes, because the failure to provide a safe working platform is directly related to Labor Law 240.

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5 Examples of Claims That Would Not Be Covered Without Labor Law Protection

1. Framer Falls Through Open Stairwell – $2.1 Million Lawsuit

A framer at a residential jobsite fell through an unguarded stairwell opening. The GC’s policy excluded Labor Law.

Denied – The contractor had a “Labor Law Exclusion” endorsement.

2. Employee Injury – $1.3 Million Demand

A laborer employed by a subcontractor was injured on-site and filed a lawsuit against the general contractor.

Denied – The GC had a “Contractual Liability – Employee Injury” exclusion and no Labor Law endorsement.

3. Temporary Laborer Slip – $800,000 Claim

A leased worker fell off a scaffold because no guardrails were installed.

Denied – Policy excluded coverage for temporary or leased employees.

4. Falling Lumber Incident – $2.6 Million Judgment

A worker was struck by falling lumber due to poor hoisting practices.

Denied – The policy included an “Action Over Exclusion,” which blocked coverage when an injured employee sues a third party who then sues the policyholder.

5. Improper Safety Equipment – $3.9 Million Lawsuit

A concrete worker was injured when a makeshift lift failed.

Denied – No Labor Law 240/241 coverage; claim denied despite injury severity.

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The Hidden Danger in Your Policy: Exclusions That Leave You Exposed

If you’re a New York contractor, here’s what you need to watch out for:

• Labor Law Exclusion

• Employee Injury Exclusion

• Action Over Exclusion

• Leased/Temporary Worker Exclusion

• Independent Contractor Exclusion

Even if your certificate of insurance looks clean, you must review your actual policy forms and endorsements. Too many brokers ignore these exclusions—leaving you open to uncovered million-dollar claims.

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How BGES Group Can Help

At BGES Group, we specialize in construction insurance for New York contractors. We’ve seen far too many good contractors get blindsided by denied claims—simply because they weren’t properly covered.

Our team doesn’t just sell policies—we protect your business. We’ll:

• Review your existing policy for hidden exclusions

• Identify your Labor Law exposures

• Match you with a carrier that provides real coverage

• Often reduce your premiums while improving protection

• Educate you so you know exactly what’s covered and what’s not

Whether you’re a general contractor, subcontractor, scaffolding company, or tradesman, we’ll help you get coverage that stands up when it matters most.

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Don’t Gamble with Your Livelihood

A single denied claim can bankrupt your company, destroy your reputation, and cost you everything you’ve built. Why take that risk?

Let BGES Group help you secure the protection you deserve.

⸻

Contact BGES Group Today

BGES Group – Construction Insurance Specialists

📍 Serving New York, New Jersey, and Connecticut

📞 Call Gary Wallach: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: http://www.bgesgroup.com

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Remember: Just because you have liability insurance doesn’t mean you’re covered for New York Labor Law claims. Make sure your policy will stand up in court—before you have a claim.

Let BGES Group show you how.

If you’re a New York contractor, you already know how expensive, complicated, and frustrating it can be to find the right general liability insurance policy. Whether you’re just starting out or have years of experience under your belt, the last thing you want is to be paying too much for a policy that doesn’t truly protect you when it counts.

At BGES Group, we specialize in working exclusively with contractors—from general contractors to subcontractors in all trades—and we understand the unique challenges you face in New York and throughout the Tri-State area. We help contractors get better coverage, save thousands of dollars, and avoid the traps that put so many companies at risk.

If you’re in the market for a new general liability policy, here are 10 compelling reasons why your next call should be to BGES Group.

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1. We Specialize in Contractor Insurance — That’s All We Do

You wouldn’t hire a plumber to wire your house. So why trust your contractor insurance to a generalist? At BGES Group, we focus 100% on contractors, which means we know the ins and outs of general liability, workers’ comp, and umbrella policies tailored specifically for the construction industry.

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2. We Know the New York Insurance Market Cold

New York is one of the toughest states for contractor insurance. Between Labor Law 240/241 claims, action-over exclusions, and strict certificate requirements from general contractors and building owners, it’s easy to make a mistake that costs you big. We understand the regulatory environment and know how to protect you from the most common—and most devastating—mistakes.

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3. We Help You Avoid Dangerous Exclusions

Did you know that many contractor policies exclude:

• Employee injury claims

• Action-over lawsuits

• Coverage for subcontracted work

• Leased or temporary employees

One uncovered claim could put you out of business. We read every policy we offer and make sure you’re covered for the real-world risks you face on the job site.

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4. We Can Save You Thousands in Premiums

We regularly help contractors save $5,000, $10,000, or more a year by placing them in better-fitting policies with stronger coverage. We work with top-rated carriers and know how to navigate underwriting to get you the best deal—not just the cheapest quote, but the one that actually protects you.

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5. We’re Experts at Certificate Management

Need a certificate fast? Need to show multiple additional insureds and waivers of subrogation? Working on a city project or high-rise that requires specific language? We know exactly how to handle complex certificate requests so you don’t lose out on jobs or upset your general contractor.

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6. We Help You Structure Your Policies to Win More Jobs

GCs and project owners are looking for well-structured insurance. We help you build a risk profile and policy setup that makes you more attractive to potential clients—whether it’s providing primary/non-contributory wording, per-project aggregate limits, or blanket additional insureds. We know what it takes to get you approved.

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7. We Work with Start-Ups and Large Contractors Alike

Whether you’re a two-man crew just getting started or a multi-million-dollar firm with large commercial projects, BGES Group has markets and programs for you. We don’t turn away smaller contractors, and we know how to handle the complexities of larger accounts.

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8. You Get Personal Service, Not a Call Center

When you call BGES Group, you talk to a real person who knows your name, your business, and your policy. We don’t shuffle you through departments or keep you on hold. Our clients have direct access to an experienced insurance professional, and we’re available when you need us—even after hours.

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9. We Can Package General Liability with Workers’ Comp, Umbrella, and More

Want to simplify your insurance program? We can bundle all your key policies—GL, comp, umbrella, tools, commercial auto—with one point of contact. This makes managing your coverage easier and helps you take advantage of multi-policy discounts.

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10. We’ve Got a Track Record of Protecting Contractors

BGES Group has spent years helping contractors stay in business after serious claims, avoid lawsuits, and land better-paying jobs because they had the right insurance structure in place. We’re not just a broker—we’re your advocate, your advisor, and your safety net when the unexpected happens.

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About BGES Group

At BGES Group, we specialize in contractor insurance for businesses in New York, New Jersey, and Connecticut. We work with general contractors, subcontractors, and specialty trades to build better insurance programs that protect your business, reduce your liability, and save you money.

We’re not a factory agency. We’re a hands-on, boutique firm that believes in old-school service with modern solutions. Our team takes the time to understand your business, review your policies, and make sure you’re covered when it really matters.

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Ready to Talk to a Contractor Insurance Specialist?

If you’re tired of overpaying for insurance that doesn’t do the job—or worse, puts your business at risk—then it’s time to give BGES Group a call.

We serve contractors across the Tri-State area and are ready to help you get covered the right way.

Contact BGES Group Today:

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

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Stop guessing about your insurance. Let BGES Group show you what real protection looks like. We’re here to help you win more jobs, stay compliant, and sleep better at night.

Navigating the bustling construction industry in New York City requires not only skill but also the right protection. As a general contractor, securing insurance is crucial to safeguarding your projects against unexpected setbacks. But with so many options available, how do you choose the right policy? Here, we’ve compiled essential questions to help you make an informed decision when selecting general contractor insurance in NYC.1. What Types of Coverage Are Included?

As a general contractor, it’s important to recognize that coverage requirements can vary significantly. New York City, with its diverse projects ranging from residential to large-scale commercial real estate, necessitates comprehensive coverage that includes not just general liability but also nuances like workers’ compensation and property insurance. These are vital to protecting against bodily injuries on the job site, damages to structures, and even potential financial losses from legal claims. Without these types of insurance, contractors could face hefty lawsuits that might jeopardize the future of their business.

Beyond the basic types of coverage, specialized insurance such as professional liability for design errors or builder’s risk coverage for new constructions might also be necessary. The financial district of NYC, known for rapid development, often requires builder’s risk insurance to cover against theft, vandalism, and natural disasters during construction. Recognizing the specific needs based on project types will help in crafting a robust insurance policy that adequately covers potential risks.

2. How Much Coverage Do I Need?

Determining the amount of coverage can be tricky, especially in a high-stakes market like NYC. It’s crucial to evaluate the scale and scope of your projects. For instance, contractors working on skyscrapers versus smaller residential homes will have distinct needs. A larger project might require higher coverage limits to ensure all potential risks are mitigated effectively. Moreover, considering the urban environment of NYC, where building codes and risks are unique, contractors must align their insurance coverage to match the value and risk profile of their projects.

Additionally, it is wise to discuss with a broker who understands the intricacies of New York’s construction landscape. They can offer insights into historical claims and industry standards, helping you align your coverage needs with regulatory requirements and unexpected occurrences that larger cities face more frequently. Such an assessment ensures that your coverage is neither inadequate nor excessively costly. Taking these steps early—right from project planning—can prevent financial pitfalls later.

3. Are There Any Exclusions I Should Be Aware Of?

The last thing you want as a contractor is to discover that a key event isn’t covered. Policies often contain exclusions—specific scenarios or losses that won’t be reimbursed by the insurance policy—so understanding these beforehand is essential. Common exclusions might involve geotechnical problems or pollution incidents. Given New York’s stringent environmental regulations, not having pollution coverage could expose a contractor to significant risks and liabilities. A thorough review of policy exclusions, coupled with seeking expert advice where necessary, can prevent unexpected surprises when filing a claim.

4. Is the Insurer Familiar With NYC Regulations?

In a city that never sleeps, construction regulations and compliance issues are intricately woven into the fabric of operations. It’s not simply about meeting deadlines but also aligning with continually evolving zoning laws and building codes. Choosing an insurer with expertise in NYC regulations can make a world of difference. They can offer insight on coverage needs specific to local ordinances and potential legal changes that could impact your coverage requirements down the line. Such expertise ensures that you remain compliant and avoid potential fines or project shutdowns.

Additionally, insurers well-versed in NYC regulations can offer risk management advice tailored to city-specific scenarios, whether dealing with high-rise construction protocols or infrastructure projects requiring environmental compliance. With the right insurer, staying informed of these complexities becomes more straightforward, thereby safeguarding your business operations in a legal landscape that often presents formidable challenges.

5. How Are Claims Handled?

The claims process is a critical component of any insurance policy—it’s what you lean on when things go awry. A seamless, transparent process can make what could be a stressful situation much more manageable. Understanding how claims are handled involves looking into aspects like claim filing procedures, response times, and who will be handling your claims (e.g., in-house team vs. outsourced). Some insurers may offer streamlined digital claims processing, which can expedite payouts significantly—something particularly valuable for NYC contractors who need to minimize downtime between projects.

Furthermore, evaluating the insurer’s historical response to claims, perhaps through customer testimonials or industry ratings, can provide insight into their reliability during critical moments. No contractor wants to face delayed settlements due to inefficient bureaucracy. Opting for carriers with fast and efficient claims resolution is equally important, particularly in a fast-paced environment like New York City, where timelines play a crucial role in project success.

6. What Is the Policy’s Cost?

Budget concerns are central to every contractor’s business calculus, particularly when negotiating in NYC’s premium construction market. When discussing policy costs, it’s about understanding what you’re getting for your premium. Are there add-ons that inflate your costs without consequence? Are there areas where less coverage would suffice, potentially reducing your premium? A comprehensive policy doesn’t necessarily mean the costliest. Sometimes, insurers can offer competitive pricing whilst covering the essentials.

Interestingly, some policies might offer incentives for risk mitigation strategies, such as adopting enhanced safety protocols or having certified safety personnel on-site. Minimizing hazards can often lead to reduced premiums over time. Balancing between cost and coverage is key—it’s about leveraging savings without sacrificing essential coverage. In a dynamic city like NYC, this balance helps maintain a competitive edge while ensuring protection from potential liabilities.

7. Are Discounts or Bundles Available?

In the realm of contractor insurance, exploring discounts or bundled packages can result in significant savings. Insurers might offer special rates for bundling general liability and workers’ compensation, or discounts for contractors who implement robust safety training programs. For instance, reducing the frequency and severity of workplace incidents through comprehensive training can not only enhance safety but also reduce insurance premiums significantly. As construction sites in NYC are prone to various risks, investing in preventive measures can pay off in the long run.

Beyond discounts, insurers may have loyalty programs for long-term clients or offer reduced rates for those who demonstrate consistent safety improvements. Engaging with insurers to explore these options can be advantageous. Look for insurers that reward proactive management strategies—those that not only shield your enterprise today but fortify it for tomorrow’s challenges. Such financial incentives can bolster margins while maintaining optimal levels of protection.

8. Can the Policy Be Customized?

Customization in insurance allows contractors to tailor their protection in alignment with specific operational needs. In a city as diverse as New York, customization becomes crucial, given both the varied nature of projects and unique risks associated with certain types. Whether it’s increased coverage during intensive redevelopment phases or enhanced protection for high-value projects, having the ability to shift coverage terms enables contractors to maintain optimal protection against prevalent risks at any given stage.

Such flexibility can be essential, especially for contractors who frequently scale projects either from simple repairs to comprehensive high-rise constructions. Ensuring that your insurance can adjust accordingly minimizes the potential for coverage gaps. As projects evolve, so should the coverage terms. This adaptability not only safeguards your current operations but also assures stakeholders and clients of your professional integrity and commitment to risk management. Ultimately, a customizable policy affords the peace of mind that comes with knowing all aspects of your contracting business are adequately protected.

9. What Is the Insurer’s Reputation?

When choosing an insurer, it’s indispensable to evaluate their reputation. This means investigating their historical performance, client satisfaction ratings, and financial stability. For instance, references or third-party reviews might highlight an insurer’s reliability during challenging claim scenarios. An insurer with a solid track record is less likely to face difficulties in claim settlements or sudden changes in policy terms, which can jeopardize your financial stability when least expected.

Examining industry recognition and awards could also provide insight into their commitment to policyholder service, especially within NYC’s dynamic construction ecosystem. Verifying an insurer’s standing with agencies such as A.M. Best can yield another layer of confidence. Contractors should focus on carriers renowned for their unwavering support and transparent communication, values that become priceless during complex claims processes or when navigating legal intricacies inherent in New York City projects.

10. Is There a Deductible?

Deductibles—the portion you pay out of pocket before insurance coverage takes effect—are pivotal in structuring your budget and affecting your overall expenses. A lower deductible might mean higher premiums, but it also translates into less financial strain when a claim arises. Consider what deductible strategy aligns with your cash flow and risk appetite. In a volatile environment like NYC, where project costs can escalate unexpectedly, selecting the right deductible is a critical component of financial planning.

11. How Long Is the Policy Term?

Policy terms define the duration of coverage and renewal conditions. Understanding these terms is critical for anticipating future protection needs, particularly for multi-phase developments among NYC’s complex construction projects. Short-term policies might be ideal for short-term or time-bound projects, while long-term arrangements could offer stability for ongoing enterprises. Each requires careful evaluation of business objectives and timeline projections, which are crucial given NYC’s rapidly shifting market landscape.

12. What Is Covered Under General Liability?

General liability insurance encompasses numerous scenarios that might impact your project’s and clients’ safety. In NYC’s dense urban environment, protecting against liabilities such as property damage or third-party injuries is imperative. For example, if a passerby gets injured at your construction site or if equipment inadvertently damages neighboring properties, general liability would typically cover legal costs and damages. Understanding and delineating the extent of coverage can shield against longstanding legal disputes.

13. Does the Policy Include Coverage for Equipment?

Having the right coverage for your tools and machinery is indispensable, more so in a high-paced environment like New York. Given the reliance on advanced equipment for complex projects, ensuring that these assets are insured against damage, theft, or loss could potentially mitigate high replacement costs. Contractors heavily reliant on their gear to meet deadlines and maintain workforce productivity often consider equipment insurance a fundamental aspect of their overall risk management strategy.

14. What Are the Payment Options Available?

The availability of diverse payment options can ease cash flow constraints, a common challenge for contractors working within NYC’s competitive landscape. Insurers might offer installment plans, annual payments, or discounts for upfront full-term payments. Understanding how these can be structured to your benefit ensures that maintaining coverage aligns with predictable financial patterns, which is critical when projects of varying scopes overlap in tight schedules.

15. Can I Make Changes to the Policy as My Business Grows?

Growth is a key aspect of any thriving business, especially in an expanding market like NYC. Ensuring that your insurance allows for adjustments as your projects broaden in scope or evolve in nature is vital. Policies with flexibility foster confidence among investors and partners, reassuring them that all project elements are effectively covered. This adaptability, coupled with regular policy reviews, can optimize your insurance strategy amidst evolving business prospects.

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 – 2025 – BGES Group
 

When you’re a general contractor operating in New York, you’re already working in one of the most heavily litigated construction environments in the country. From the moment you break ground to the final walkthrough, your business is exposed to a long list of liabilities. One of the most misunderstood and dangerous missteps general contractors make is purchasing a liability insurance policy that does not include proper Labor Law coverage.

Many contractors, especially those who hire subcontractors, believe they’re covered simply because they have a general liability policy. But if you don’t have the right Labor Law protection—specifically coverage for employee injuries, temporary or leased employees, and so-called “Action Over” claims—you could be putting your company, your assets, and your future on the line.

Let’s dive into why this mistake can be catastrophic—and how BGES Group can help protect you from financial ruin.

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Why Labor Law Coverage in New York Is Critical

New York’s Labor Laws 240, 241, and 200 are some of the most contractor-unfriendly statutes in the country. They impose strict liability on general contractors and property owners when a worker is injured due to falls, falling objects, or other jobsite safety violations—even if the worker is employed by a subcontractor.

If your policy excludes labor law or doesn’t adequately cover “Action Over” claims, you could be held 100% financially responsible for a claim—even when you had no direct role in the injury.

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Top 5 Examples of Claims That Can Destroy a Contractor Without Proper Labor Law Coverage

1. The Roofer’s Fall

You hire a roofing subcontractor to do a simple tear-off and re-shingle job. One of the subcontractor’s employees, not tied off properly, falls and suffers spinal injuries. The worker’s employer has minimal workers’ comp, and now the worker sues you, the general contractor, under Labor Law 240. Your policy excludes labor law. You’re now facing a $2 million lawsuit—personally.

2. The Leased Worker Injury

You use a staffing agency to bring in temporary laborers for site cleanup. One of the temp workers falls off a scaffold. You assume you’re covered under your liability policy. But your policy has an exclusion for leased and temporary employees. Your insurer denies the claim. The lawsuit goes forward. You’re forced to sell assets or declare bankruptcy to settle.

3. The “Action Over” Nightmare

Your subcontractor’s injured employee collects workers’ comp benefits, then sues you under Labor Law 240. You submit the claim to your liability carrier. They deny it due to an Action Over exclusion—a clause that specifically excludes injuries to subcontractor employees who sue you after receiving workers’ comp. You’re now responsible for defending and paying the claim out-of-pocket.

4. Employee vs. Contractor Classification Trap

You bring in a crew you consider independent contractors, but the court reclassifies them as employees during a lawsuit. Your policy has an Employee Injury Exclusion. The injured “contractor” sues under Labor Law. Your insurer walks away. You’re now liable for both the judgment and defense costs.

5. The Site Supervisor Incident

Your site supervisor helps a subcontractor install a window. A gust of wind causes the scaffolding to collapse, injuring the sub’s employee. The worker sues the GC (you). Your policy has no Labor Law coverage and an exclusion for bodily injury to workers on-site. You lose the claim—and your business.

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Key Policy Exclusions to Watch For

Contractors who don’t read the fine print on their liability policies often fall victim to:

• Employee Injury Exclusions

These exclude coverage for injuries to your own employees—often including laborers you may think are subs.

• Temporary or Leased Employee Exclusions

If you use staffing firms or day laborers, you must ensure they are not excluded.

• Action Over Exclusions

These are especially dangerous in New York. They eliminate coverage for lawsuits by injured subcontractor employees who sue the GC after collecting workers’ comp.

• Independent Contractor Endorsements

Some policies exclude coverage for all work done by subs unless they meet very specific and often unrealistic contract, licensing, and insurance requirements.

One overlooked clause can turn a $100,000 policy into a worthless piece of paper when a major claim hits.

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Why BGES Group Should Be Your Insurance Partner

At BGES Group, we specialize in New York construction insurance. We’ve spent years studying the ins and outs of Labor Law exposure and have helped hundreds of contractors avoid disastrous claim denials.

We don’t just sell policies—we help you:

• Review and explain your current policy’s exclusions

• Identify holes in coverage that could cost you your business

• Find you a carrier that includes labor law coverage, even if you’ve been denied or non-renewed elsewhere

• Work with you to properly structure contracts with your subcontractors to reduce exposure

• Secure affordable insurance with the protections you really need

Whether you’re just starting out, struggling to renew, or have been dropped by your carrier, BGES Group is here to help.

We have programs for general contractors and specialty trade contractors, even those who have had claims, are higher risk, or operate in the 5 boroughs.

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Contact BGES Group Today

Don’t wait for a claim to find out your insurance is worthless. Call us today for a free, no-pressure policy review.

BGES Group

Construction Insurance Specialists

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

We work fast, fight for our clients, and most importantly—we know New York construction insurance like no one else.

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Final Word

Insurance is not just a requirement—it’s your lifeline. If you’re a general contractor in New York relying on subcontractors, don’t assume your current coverage is enough. Labor Law claims can happen without warning, and the wrong insurance can leave you defenseless.

Let BGES Group give you the peace of mind that comes from being truly protected. We’re here to make sure that one claim doesn’t cost you everything.

If you’re a contractor operating in New York, you already know the importance of reliable, responsive, and experienced insurance support. Contractors in New York pay some of the highest insurance rates in the entire country—so when you’re investing heavily in premiums, you deserve top‑notch service. Yet far too many agencies fall short—way short.

In an industry where the right coverage can mean the difference between landing a big contract or losing it—or worse, staying open or going under—many agencies simply don’t deliver the service or expertise contractors need and deserve.

Let’s break down the real challenges you’re likely facing with most of today’s insurance agencies.

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🔍 The Harsh Reality of Insurance Agencies Serving New York Contractors

Many agencies claim to specialize in contractor insurance—but their service tells a different story. Here are the 10 most common issues contractors face:

1. Inexperienced Staff Your account is often handled by someone just learning the ropes—policies and certificates frequently contain costly mistakes or gaps.
2. Constant Turnover One day you’re dealing with John, the next it’s Jane. High churn rates lead to missed communications, redundancies, and general frustration.
3. No Proactive Policy Reviews Agencies don’t verify if your limits are adequate or if policy exclusions impact your coverage—until it’s too late.
4. Poor Response Times Calls go unanswered. Emails linger for days. When you urgently need a COI or claim help, you’re left hanging.
5. Ridiculous Policy Fees Charges and fees balloon with little explanation—frequently buried in the fine print, and hard to contest.
6. Slow Certificate Issuance Need a COI to start a job? Some agencies treat your request like an afterthought—and you wait days.
7. Lack of Contractor Expertise Many agencies insure everyone from salons to restaurants—leaving little insight into the exposures and compliance demands of New York construction.
8. No Client Advocacy When audit issues or cancellations arise, you’re often referred back to the insurer. No one fights for you.
9. Sales-Driven Service Agents often push the highest-commission product—not the best solution for your actual business.
10. Just a Number Many large agencies treat you like an account or file number—not a valued partner.

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💼 Meet BGES Group: The Complete Opposite

If you’re tired of being ignored, overcharged, and underserved—and you’re paying top-tier rates—you deserve BGES Group.

🔹 Boutique‑Style, Personalized Service

No rotating reps, no call centers. You work directly with senior professionals who know your business, your risks, and your service expectations inside out.

🔹 Fast, Reliable Communication

They answer the phone—often immediately. Emails are answered promptly. Need a COI in a hurry? You’ll often have it within minutes.

🔹 Deep Industry Expertise

BGES Group specializes in contractor insurance—period. Whether you’re a general contractor, electrician, plumber, or roofer, their team knows your exposures and what matters.

🔹 Proactive Policy Reviews

They regularly audit your coverage, update limits, add endorsements, and advise you on changes before renewal—so you’re always protected.

🔹 Transparent Fees Only

BGES Group doesn’t believe in hidden or padded fees. Every charge is explained and justified.

🔹 Genuine Advocacy

Whether it’s audits, claims, or compliance issues, BGES steps in for you with carriers—never passing the buck.

🔹 You’re a Valued Client

You’re not a policy number—you’re a partner. BGES succeeds when your business succeeds.

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🗣️ Real Praise: What Clients Say (Google Reviews)

Here are five actual comments from Google Reviews, shared via BGES Group’s own website listing

John D.: “BGES Group has been an absolute game‑changer for our construction business. Their team is knowledgeable, responsive, and always goes the extra mile to make sure we’re covered.”

Mike R.: “We’ve worked with several insurance brokers over the years, but BGES Group stands out for their expertise and dedication. They really understand the construction industry.”

Sarah L.: “Switching to BGES Group was the best decision we ever made. Their pricing is competitive, and the peace of mind we get from knowing we’re properly insured is priceless.”

Alex K.: “The claims process was seamless, thanks to BGES Group. They handled everything with professionalism and efficiency, allowing us to focus on our business.”

Emily P.: “BGES Group’s customer service is outstanding. They’re always available to answer our questions and provide guidance. We couldn’t ask for a better partner.”

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Contact BGES Group Today

If you’re paying high premiums, don’t settle for poor service. Elevate your insurance experience with BGES Group—the boutique-style broker that delivers fast, expert, and proactive coverage management.

📞 Call: 914‑806‑5853

✉️ Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

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BGES Group: New York’s Contractor Insurance Specialist. When you invest in high-cost coverage, expect—and receive—the high-touch, expert service you deserve.

If you’re a contractor in New York, you already know how tough it is out there. The jobsite isn’t the only place where things can go sideways—insurance is another battleground. Liability claims, injured workers, confusing audits, ballooning premiums, policy cancellations, and surprise coverage gaps can all put your business at serious risk.

That’s why choosing the right insurance partner may be one of the most important business decisions you make.

If your current broker isn’t responsive, doesn’t specialize in construction, or you’re feeling like just another number in a big agency’s file cabinet—it’s time to consider better options.

So let’s start with the big question:

Are you looking for a new general liability or workers’ compensation policy?

If the answer is yes, read on.

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5 Reasons Why Large, Factory-Style Insurance Agencies Can Hurt Your Business

Big-name agencies might look good on paper—flashy branding, national presence, long lists of carriers—but for small to mid-sized contractors, that shine can quickly wear off.

1. You’re Just a Number

Your account is likely handled by someone junior, and you rarely talk to the same person twice. These agencies are built for high volume, not relationships. Expect to be put on hold and passed around.

2. They Don’t Specialize in Construction

These agencies serve all industries, which means they often lack expertise in:

• NY labor law exposure
• Contractual insurance requirements
• Subcontractor risk
• Construction-specific endorsements

3. Minimal Support When Problems Arise

When an audit dispute, denied claim, or cancellation notice hits, don’t expect a rescue. Most big firms won’t go to bat for you. You’re left to fend for yourself.

4. Limited Options for High-Risk Contractors

Have claims? Do demo or structural work? High payroll? Big firms often push you into expensive assigned risk pools—or walk away entirely.

5. One-Size-Fits-All Approach

Big agencies rely on templates. You may get a policy, but it might not include:

• Proper additional insured wording
• Coverage for completed operations
• Protection against subcontractor-related lawsuits

The result? You’re dangerously exposed.

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5 Reasons Why BGES Group Is the Right Fit for New York Contractors

At BGES Group, we’re different. We’re a boutique construction insurance firm with decades of experience protecting contractors like you.

Here’s why contractors across NY, NJ, and CT are making the switch:

1. We Specialize in Construction Insurance

This is all we do. We understand:

• Labor law exposure
• Contract review
• Subcontractor risk transfer
• Coverage nuances specific to your trade

No fluff. No guesswork. Just expert guidance that protects your business.

2. Personalized, Hands-On Service

You’ll work directly with Gary Wallach, a 40+ year industry veteran. No call centers. No account shuffling. You get:

• Direct access
• Prompt responses
• An advocate who treats your business like his own

3. Access to Competitive Markets—Even for Tough Risks

We find solutions where others don’t. Whether you:

• Were turned down by another broker
• Are stuck in assigned risk
• Got hit with sky-high premiums

—we can help. We have markets other agencies don’t.

4. Support With Certificates, Audits & Claims

• Need a cert at 6 AM? Done.
• Trouble with an audit? We’ll help.
• Claim issue? We deal with the adjusters for you.

You’ll never feel alone when issues arise. We’ve got your back—every time.

5. We Help You Build a Long-Term Strategy

We don’t just sell policies. We help you:

• Reduce long-term costs
• Eliminate coverage gaps
• Improve your insurance profile
• Review contracts and structure proper agreements

Our goal: a safer, smarter future for your business.

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Contractors, Let’s Talk

Whether your policy is up for renewal, you’re facing non-renewal, stuck in the assigned risk pool, or just want a better experience—we’re here to help.

We can usually:

• Save you money
• Improve your coverage
• Give you peace of mind

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Contact BGES Group Today

Gary Wallach
📞 Phone: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

We proudly serve New York, New Jersey, and Connecticut
We also have a trusted associate who serves contractors nationwide

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Final Word: Don’t Let Insurance Be Your Weakest Link

Too many contractors only discover issues after a claim—when it’s too late.

• The coverage was wrong
• The certificate didn’t meet job requirements
• The broker didn’t back them up

Don’t let that be your story.

Partner with a team that lives and breathes construction insurance.
Partner with BGES Group.

Let’s get your liability and workers’ comp coverage working for you—not against you.

Call today.

Pollution and environmental claims remain a significant threat to contractors of all types. These claims can lead to substantial costs for cleanup, remediation, and legal liabilities.

Pollution claims against contractors often involve:

• Surface water contamination
• Chemical spills
• Improper disposal of hazardous materials
• Asbestos exposure
• Mold and bacteria resulting from poorly installed HVAC systems

Any of these scenarios can trigger lawsuits and liability exposure that could severely impact small to mid-sized construction firms.

With the increasing risk of such incidents, it’s vital that contractors take proactive steps to minimize exposure and secure proper insurance coverage. Most standard general liability insurance policies exclude pollution-related claims.

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Common Pollution Risks for Contractors

Many contractors underestimate their pollution exposure—even those not directly handling hazardous substances. For example, a road contractor might unintentionally block a sewer line, causing sewage backups into buildings. While general liability coverage may apply, a pollution exclusion could leave the contractor financially exposed.

Here are the most common types of pollution claims:

• Storage Tank Leaks: Excavation work may strike underground fuel or waste tanks, contaminating the soil.
• Struck Natural Gas Lines: Digging near unmarked lines can cause explosions or evacuations.
• Transport Spills: Spills during transit (e.g., fuel, concrete) can lead to environmental damage.
• Machinery Fuel Leaks: Undetected fuel or oil leaks can contaminate soil or water.
• Asphalt and Tack Coat Runoff: Rain can wash these materials into storm drains, triggering cleanup requirements.
• Asbestos Exposure: Improper demolition practices in older buildings may release asbestos fibers.
• Dust Pollution: Silica or mineral-based construction dust can lead to respiratory issues and liability.
• Construction Runoff: Paint, fuel, or cement runoff into nearby waterways can harm ecosystems.
• Mold Growth: Plumbing, roofing, or waterproofing work that fails may cause mold infestations.
• Legionella Contamination: HVAC and plumbing systems can foster Legionella bacteria, which pose serious health risks.

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Insurance Coverage Gaps

If a pollution event causes harm or environmental damage, a standard commercial general liability policy likely will not cover the associated costs. These can include:

• Environmental cleanup
• Legal defense fees
• Court judgments and settlements
• Third-party bodily injury or property damage

To fill this gap, contractors should carry contractors environmental liability insurance. This specialized policy can cover:

• Third-party bodily injury and property damage
• Cleanup and remediation expenses
• Legal defense costs (including attorneys’ fees, settlements, and court judgments)

It also provides protection for both sudden and gradual pollution events:

• Sudden Pollution: Immediate incidents like spills, leaks, or explosions
• Gradual Pollution: Long-term issues like mold, Legionella growth, or ongoing site runoff

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Action Steps for Contractors

1. Identify Exposures: Determine if your work involves asbestos, mold, PFAS, or soil/water disturbance.
2. Purchase Proper Insurance: Secure contractors environmental liability insurance in addition to general liability coverage.
3. Train Staff: Provide certification and safety training for asbestos, mold, or hazardous chemical handling.
4. Implement Safe Practices: Follow all hazardous material laws and use proper disposal methods.
5. Use Contract Clauses: Require subcontractors to carry their own environmental liability insurance.

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About BGES Group

BGES Group is one of the Tri-State Area’s leading Construction Insurance Specialists. Serving New York, New Jersey, and Connecticut, we represent 50+ companies, including the top general and umbrella liability programs. We offer comprehensive insurance solutions including:

• General Liability & Umbrella
• Property & Builders Risk
• Inland Marine
• Auto Insurance
• Bid & Performance Bonds
• Workers’ Compensation
• NYS Disability
• Group Health Plans

Our Commitment: We’re always just a call, text, or email away—even on weekends. We help you navigate insurance challenges so your business stays protected.

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Workers’ Compensation Expertise

We specialize in helping Tri-State business owners solve difficult workers’ comp issues:

• High premiums or cancellations
• Claims or losses affecting coverage
• Payroll misclassification
• Audit disputes

We offer exclusive programs for:

• Auto Services
• Contractors (especially in NY)
• Limousine & Trucking Companies
• Logistics Providers
• Recyclers & Manufacturers

If we can qualify you for our preferred program, you’ll enjoy:

• Competitive pricing
• Multi-state coverage
• Hassle-free audits
• Long-term stability

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Contact Us

Gary Wallach
📞 914-806-5853
📧 Email Us
🌐 www.bgesgroup.com

BGES Group
216A Larchmont Acres West
Larchmont, NY 10538

In New York’s competitive construction industry, carrying the right liability coverage isn’t just recommended—it’s critical. Yet, for contractors managing multiple projects, affording General Liability (GL) and Excess Liability insurance premiums can strain your finances.

Annual premiums often climb well into six figures. That’s why many contractors use premium financing—a financial tool that enables you to pay your premium in installments while the finance company covers the full cost upfront.

When used wisely, premium financing helps maintain cash flow and keeps projects moving. But mismanaging it can result in canceled policies, steep penalties, and difficulties renewing coverage later on.

Below are 10 essential facts every New York contractor should understand before financing their insurance—along with expert strategies to lower your total cost.

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10 Must-Know Tips for Financing Liability Policies as a Contractor

1. Premium Financing Is a Secured Loan

You’re not just deferring payment—you’re borrowing money. Your insurance policy becomes the collateral. If you default, the finance company can cancel the policy without the insurer needing to send further notice.

2. Expect a Down Payment

Most agreements require you to pay 15% to 25% upfront. For a $100,000 premium, you’ll need to provide $15,000–$25,000 out of pocket.

3. Rates Vary—and They Matter

Premium financing comes with interest, usually between 8% and 18% APR. Don’t be fooled by low monthly payments—calculate the full cost of the loan over the term.

4. One Missed Payment = Cancellation Risk

Skip a payment and you’ll likely receive a Notice of Intent to Cancel (NOIC). After a 10-day grace period, your policy can be terminated immediately, jeopardizing active job sites.

5. Late Fees Are Pricey

Many finance companies charge late fees of up to 5% of the missed monthly payment. On a $5,000 bill, that’s an additional $250 just for being late.

6. Refunds Go Back to the Finance Company

Cancel your policy early? The unearned premium doesn’t come to you—it’s returned to the lender, reducing your control over policy transitions.

7. You Can Bundle Policies for Efficiency

Contractors often bundle multiple coverages—GL, Excess, Auto, Inland Marine—under one finance plan. It simplifies payments and may reduce interest rates.

8. A Skilled Broker Can Improve Your Terms

Just like insurance policies, premium finance contracts can be shopped around. A knowledgeable broker can secure lower APRs and better structures for you.

9. Past Payment Issues Can Haunt You

Previous cancellations for non-payment may flag you as high-risk with carriers. This could result in higher future premiums or stricter payment requirements.

10. Financing Doesn’t Replace Budgeting

Premium financing helps cash flow, but it also adds fixed monthly obligations. Only finance what your business can realistically repay—even during slow periods.

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Can You Reduce Interest Rates or Adjust Payments?

Yes—and proactive planning can save you thousands. Here’s how to optimize your premium financing:

Request a Delayed Fund Release

Ask your broker to negotiate a 20–25 day delay between when the paperwork is signed and when the finance company pays the insurer. Some lenders offer lower rates in exchange for this reduced exposure.

Avoid Late Fees at All Costs

Late payments are heavily penalized. A single slip-up can lead to fees, cancellations, and strained relationships with your lender and broker.

Know the Cancellation Timeline

If a payment is missed:

• The lender sends a Notice of Intent to Cancel.
• You usually get 10 days to pay.
• If no payment is received, cancellation is immediate.
• Insurers are not required to issue an additional notice.

Your operations could halt overnight—so always pay on time.

Leverage Your Business Profile to Negotiate

Good credit, a strong payment history, and business stability can help you secure:

• Lower interest rates
• Smaller down payments
• More flexible repayment options

Use your broker to advocate on your behalf.

Finance Strategically

You don’t have to finance everything. Focus on larger policies (GL, Excess) and consider paying smaller ones (like Inland Marine or Tools & Equipment) upfront to reduce finance charges.

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Why New York Contractors Choose BGES Group

At BGES Group, we’re not just insurance brokers—we’re construction risk specialists. We help contractors across New York, New Jersey, and Connecticut structure smart, sustainable financing plans for:

• General Liability
• Excess/Umbrella Liability
• Workers’ Compensation
• Commercial Auto
• Inland Marine
• Contractor’s Equipment
• Environmental/Pollution Liability
• OCIP/CCIP Wrap-Up Programs

We also partner with top-tier premium finance companies to help you:

• Lock in competitive interest rates
• Secure flexible payment terms
• Align financing with your cash flow
• Prevent policy disruptions and project delays

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Contact Us Today

Gary Wallach | BGES Group
📞 914-806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

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Final Thoughts

Premium financing isn’t just about spreading out payments—it’s a critical financial decision that affects your risk, cash flow, and operational continuity. Make sure you structure it with long-term success in mind.

Before you sign any premium finance agreement, call BGES Group—we’ll help you make the right move

If you’re like many business owners in New York, New Jersey, or Connecticut, you may be feeling the frustration of rising workers’ compensation costs, never-ending audits, unresponsive brokers, or insurance companies canceling your policy at the worst possible time. But here’s the good news: you don’t have to put up with it anymore.

At BGES Group, we specialize in solving workers’ compensation headaches—and saving businesses like yours up to 30% in the process.

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Why Are So Many Businesses Struggling with Workers’ Comp?

The workers’ compensation landscape in New York and surrounding states has undergone significant changes in recent years, and 2025 brought even more disruption. One of the largest insurance companies, once aggressively insuring contractors, has started non-renewing all contractor accounts. That’s left many businesses scrambling for new coverage, with few clear answers and even fewer affordable options.

In addition, Experience Modification Factors (Mods) are changing rapidly, impacting premium calculations. Businesses with poor loss histories are being penalized harshly, sometimes with little to no explanation.

This shifting landscape demands not only awareness but action. That’s where Gary Wallach—one of New York’s most respected Workers’ Compensation Specialists—comes in.

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How BGES Group Turns Problems Into Solutions

We’re not your average insurance broker. We’re Workers’ Compensation Specialists, dedicated solely to solving comp-related issues and reducing the financial strain they put on your business. We understand the rules inside and out—and we use them to your advantage.

Here’s how we help:

1. Hard-to-Insure Businesses? No Problem.

If your business operates in a high-risk category—like construction, roofing, trucking, or manufacturing—it may be hard to find coverage. That’s where our network shines. We have access to over 20 carriers, including some that specialize in high-risk accounts or those with poor loss histories.

Even if you’ve had over $1 million in claims, we’ve helped clients secure lower rates than what they were paying before.

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2. Audit Disputes and Documentation Nightmares

Many businesses feel blindsided when their insurer hands them a huge audit bill based on questionable payroll classifications or “ghost” employees. We can help:

• Challenge and correct audit errors.
• Switch you to a new carrier if needed.
• Find options that eliminate the need for annual audits or simplify the process significantly.

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3. Sick of Renewal Deposits and Fixed Monthly Premiums?

We get it—paying hefty deposits every year and flat premiums regardless of payroll fluctuations can destroy your cash flow. BGES Group offers programs that:

• Require no renewal deposits.
• Let you report payroll monthly, so you only pay for what you use.

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4. High Mods? We Can Offset That

A high Experience Modification Factor can jack up your rates and scare off insurers. But with our specialty programs, we can offset a high mod with credits, giving you more affordable options despite a tough loss history.

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5. Misclassified Payroll? We’ll Get it Fixed

One of the most common—and costly—mistakes insurers make is misclassifying payroll into the wrong class codes. We know the codes inside and out and can push your carrier to reclassify properly, potentially saving you thousands.

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6. Hate Your Payroll Company’s Comp Program?

You’re not alone. Many payroll companies bundle workers’ comp with their services, locking clients into overpriced and underperforming plans. We can offer you:

• Up to 20 program options.
• Lower processing fees.
• Significantly better comp rates.

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7. No More $1,000+ Broker Fees

Too many brokers charge hefty policy fees ($1,000–$2,500 or more) or 10% service fees—and then disappear when you need them. At BGES Group:

• No policy or service fees.
• “First-class service” 7 days a week.
• We handle your headaches so you don’t have to.

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What Makes BGES Group Different?

Unlike general insurance brokers, we focus exclusively on Workers’ Compensation for businesses in New York, New Jersey, and Connecticut. That means we’re not distracted by health plans, auto policies, or homeowners’ insurance. This is all we do—and we do it better than anyone else.

Here’s What We Can Help You With:

1. Lowering pricing (up to 40% savings possible).
2. Finding a new insurance company, even if you’ve been cancelled.
3. Replacing canceled or non-renewed policies—often in 1–2 days.
4. Resolving audit disputes and carrier errors.
5. Stopping fictitious payroll reporting at audit time.
6. Fixing high experience modification factors.
7. Correcting payroll misclassifications.
8. Eliminating annual deposits.
9. Getting coverage even after a lapse.
10. Insuring multiple states under one policy.
11. Eliminating policy and service fees.
12. Timely and reliable certificate issuance.
13. 24/7 phone and email access to a real person.

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Why You Should Call Today

The longer you wait, the more expensive and complicated your workers’ comp situation can become. Whether you’re getting canceled, paying too much, or simply tired of being ignored by your current broker, it costs you nothing to speak with us—and it could save you a lot.

Call Gary Wallach at 914-806-5853, any day of the week, and let us show you what’s possible.

Or visit us online at www.bgesgroup.com or email bgesgroup@gmail.com.

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Company Information:
BGES Group
216A Larchmont Acres West
Larchmont, NY 10538
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

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Don’t Let Workers’ Comp Control You—Take Control Today with BGES Group.

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