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!

When a New York-based contractor accepts a project in neighboring New Jersey, several complexities arise, especially concerning workers’ compensation insurance. Consider a scenario where a contractor, whose workers’ compensation policy lists only New York under Item 3A of the policy declaration page, undertakes a short-term project in New Jersey. The contractor employs workers, some residing in New Jersey. If a New Jersey-based worker sustains a serious injury on the job and is hospitalized in New Jersey, several critical questions emerge:

1. Which state’s laws govern the workers’ compensation claim?
2. If New Jersey’s benefits are more generous than New York’s, is the contractor liable for the difference if the policy covers only New York laws?
3. How can the contractor ensure proper coverage for future out-of-state projects?

Determining Applicable State Laws for the Claim

Workers’ compensation laws are state-specific, and coverage is typically determined by factors such as the state where the injury occurred, the state of employment, and the terms outlined in the insurance policy. In this scenario:

• Location of Injury: The injury occurred in New Jersey, making New Jersey’s workers’ compensation laws relevant.
• Employee Residency: The injured worker resides in New Jersey, further connecting the claim to New Jersey.
• Policy Coverage: The contractor’s policy lists only New York under Item 3A, indicating primary coverage for injuries occurring within New York.

Given these factors, there’s a strong possibility that New Jersey’s workers’ compensation laws would apply to the claim.

Liability for Differences in Benefits

If New Jersey’s workers’ compensation benefits are more generous than those in New York, and the contractor’s policy covers only New York, complications can arise:

• Policy Limitations: A policy listing only New York may not fully cover benefits mandated by New Jersey law.
• Potential Gaps: The contractor could be held responsible for any shortfall between what the New York policy covers and what New Jersey law requires.

This situation underscores the importance of ensuring that workers’ compensation policies are appropriately structured to cover out-of-state work.

Ensuring Proper Coverage for Future Projects

To prevent such issues in future out-of-state projects, contractors should:

1. Policy Review and Adjustment:
   1. Include Other States Endorsement: Ensure the policy includes an “Other States” endorsement, listing states where work is anticipated. This endorsement can provide automatic coverage for incidental exposures in states not specifically listed in Item 3A.
   1. Add Specific States to Item 3A: For projects in states with stringent workers’ compensation requirements, like New Jersey, it’s advisable to list the state explicitly in Item 3A to guarantee full statutory coverage.
2. Consult with Insurance Specialists:
   1. Seek Expertise: Engage with insurance professionals who specialize in multi-state workers’ compensation to navigate the complexities of varying state laws and ensure comprehensive coverage.

BGES Group: Workers’ Compensation Insurance Specialists in the Tri-State Area

For contractors operating in the tri-state area, partnering with knowledgeable insurance specialists is crucial. BGES Group stands out as a leading provider of workers’ compensation insurance solutions tailored to the unique needs of contractors in New York, New Jersey, and Connecticut.

About BGES Group

BGES Group offers one-stop shopping for all construction insurance needs, with a particular focus on workers’ compensation across various industries. They represent top-tier programs and specialize in delivering prompt, effective solutions. Clients benefit from personalized service, leveraging over 44 years of industry experience.

Services Offered:

• Comprehensive Insurance Programs: Access to a wide range of coverage options tailored to the construction industry.
• Policy Audits: Review of past workers’ compensation policies to identify errors and secure potential refunds.
• Risk Management: Assistance with screening subcontractors’ insurance, contract reviews, and risk transfer strategies.

Client Testimonials:

Clients consistently praise BGES Group for their responsiveness and expertise. For instance, Mike from BAC Construction notes, “Whenever we need anything we get it in minutes. Whenever we have questions we get the president on the phone within seconds and he has tremendous knowledge.”

Contact Information:

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

By collaborating with specialists like BGES Group, contractors can ensure they have the appropriate workers’ compensation coverage, mitigating risks associated with out-of-state projects and safeguarding their businesses against potential liabilities.

A seismic shift is about to hit the New York construction insurance market. A major insurance company has announced it will be non-renewing all of its contractor accounts starting April 1, 2025. This decision will leave countless contractors scrambling to find replacement coverage, potentially putting their businesses at risk. If you are a contractor affected by this decision, don’t panic—BGES Group, a leading expert in construction insurance, is here to help.

What Coverages Does BGES Group Offer?

At BGES Group, we understand the unique risks that contractors face daily. That’s why we offer comprehensive insurance solutions tailored to the construction industry, including:

1. Building & Contents Insurance – Protects your office, warehouse, and storage facilities from damage due to fire, theft, vandalism, and natural disasters.
2. Employer Equipment Coverage – Ensures that company-owned machinery and equipment remain covered against theft, damage, or breakdown.
3. Employee Tools Insurance – Covers employee-owned tools essential to job site productivity.
4. Commercial General Liability – Shields your business from liability claims related to bodily injury, property damage, and legal fees.
5. Excess Liability Insurance – Provides additional layers of coverage beyond standard policies to protect against high-cost claims.
6. Worker’s Compensation Insurance – Required coverage that ensures injured employees receive medical care and wage replacement.
7. NYS Disability Insurance – Provides benefits to employees who suffer off-the-job injuries or illnesses.
8. Business Auto Insurance – Protects company-owned vehicles used for business operations.
9. Bid & Performance Bonds – Guarantees job completion and adherence to contract terms, helping you win more projects.
10. Group Health Insurance – Provides cost-effective health coverage for employees, keeping them protected and satisfied.

Why Contractors Should Turn to BGES Group

When facing an unexpected insurance policy non-renewal, you need a provider that acts fast, understands your industry, and has a proven track record of delivering tailored coverage solutions. Here’s why BGES Group is the right choice for you:

1. Personalized, Boutique-Style Service

Unlike large, impersonal agencies, BGES Group operates like a mom-and-pop business. We provide boutique-style service where every client is treated like a priority.

2. Direct Access to Account Executives

You won’t be stuck navigating endless phone menus or speaking with multiple representatives. At BGES Group, you will deal directly with a knowledgeable account executive who understands your needs.

3. 24/7 Availability

Emergencies don’t wait for business hours, and neither do we. Our team is available day and night, Monday through Sunday, to assist you.

4. Expertise in Construction Insurance

With years of experience in insuring contractors, we know exactly what policies and coverages your business needs to remain protected and compliant.

5. Fast and Efficient Policy Replacement

We understand that losing coverage can disrupt business operations. That’s why we work quickly to replace your policy with minimal hassle, ensuring uninterrupted protection.

6. Competitive Rates

We work with multiple insurance carriers to find you the best possible coverage at the most competitive price.

7. Superior Claims Assistance

If you need to file a claim, we guide you through the process to ensure a quick and fair resolution.

8. Trusted by Contractors Statewide

Our reputation speaks for itself—contractors across the state trust BGES Group for their insurance needs.

9. Custom-Tailored Policies

We don’t believe in one-size-fits-all solutions. Our policies are customized to fit your specific risks and business model.

10. Peace of Mind

With BGES Group handling your insurance, you can focus on running your business instead of worrying about gaps in coverage.

Act Now Before It’s Too Late

The clock is ticking. With this major insurance company pulling out of the contractor market, many businesses will be left scrambling for coverage. Don’t wait until it’s too late—secure your business’s future by partnering with BGES Group today. Our team is standing by to provide you with the protection and peace of mind you deserve.

Call us anytime—day or night—Monday through Sunday. We are always available to help!

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

In the highly regulated and scrutinized world of New York construction, contractors often find themselves in difficult situations when their general liability and excess liability policies fail to meet the stringent insurance requirements imposed by general contractors (GCs) or building owners. These requirements are typically enforced through third-party screening services that scrutinize coverage details and exclusions, often rejecting policies that do not meet their standards.

This article explores what contractors can do when they face such challenges and how they can ensure compliance with screening company requirements.

Understanding the Common Insurance Gaps

Many contractors assume that having a general liability policy is enough to satisfy contractual obligations, only to discover that their policy contains exclusions or conditions that make it unacceptable to a building owner’s risk management team. Here are some of the most common issues that can cause rejection:

1. Independent Contractor Hard Hammer Clause – This clause can stipulate that if a contractor uses subcontractors (subs) who do not carry specified insurance limits and coverage, the primary contractor may have no coverage under their own policy.
2. Temporary or Leased Employee Exclusions – Many policies exclude coverage for injuries sustained by temporary or leased workers, creating a significant coverage gap for contractors who rely on labor staffing firms.
3. Action Over Exclusions – These exclusions bar coverage for claims made by injured workers who file third-party actions against building owners or GCs, making the policy non-compliant with many owner requirements.
4. Primary and Non-Contributory Wording – Some policies lack the specific language required to confirm that the insured’s coverage is primary and non-contributory, leading to rejection by screening services.
5. Waiver of Subrogation Issues – Building owners and GCs often require that a contractor’s policy includes a waiver of subrogation in favor of the project’s stakeholders, preventing the insurer from seeking recovery from them in the event of a claim.
6. Excess Liability Policy Compliance – Some screening services require that excess liability policies follow form, meaning they must provide coverage consistent with the underlying general liability policy.

Steps New York Contractors Can Take to Comply

If a contractor discovers that their policy does not meet the requirements imposed by a GC or building owner, they have several options to resolve the issue:

1. Work with an Experienced Insurance Broker

An insurance broker who specializes in New York construction insurance can identify gaps in coverage and help secure a policy that meets all necessary requirements. Brokers with experience in the industry, such as BGES Group, have relationships with carriers that offer policies specifically designed to address these compliance issues.

2. Request Policy Endorsements

In many cases, coverage gaps can be addressed by adding endorsements to an existing policy. For example:

• A hard hammer clause may be modified to provide more flexibility for contractors who do not hire subs.
• Temporary worker exclusions may be removed through negotiation with the insurer.
• Action-over exclusions may be eliminated or adjusted to provide the necessary coverage.

3. Explore Alternative Insurance Carriers

Some insurance carriers simply do not offer the flexibility that New York contractors need. If an insurer refuses to modify a policy to meet compliance requirements, switching to a different carrier that specializes in construction insurance may be the best solution.

4. Obtain a Standalone Excess Liability Policy

If an excess liability policy does not meet a building owner’s requirements, a contractor can consider purchasing a standalone excess policy that aligns with the underlying coverage. This can help ensure compliance with contractual obligations.

5. Obtain a Labor Law-Compliant Policy

New York’s Labor Laws place strict liability on contractors and property owners for worker injuries. Ensuring that a liability policy explicitly covers these risks—without broad exclusions—can help contractors avoid compliance issues.

6. Maintain Proper Documentation for Screening Services

Sometimes, screening service rejections result from documentation errors or misunderstandings rather than actual coverage deficiencies. Contractors should ensure they provide clear, accurate Certificates of Insurance (COIs) and additional insured endorsements that explicitly state compliance with contractual requirements.

7. Consider Purchasing a Wrap-Up Policy

If a contractor is working on a larger project, they may be able to participate in a Contractor Controlled Insurance Program (CCIP) or Owner Controlled Insurance Program (OCIP). These wrap-up policies provide coverage for all contractors and subcontractors on a project, ensuring compliance with insurance requirements.

The Role of BGES Group in Helping Contractors Secure the Right Coverage

BGES Group is one of New York’s leading construction insurance specialists, helping contractors navigate the complex world of liability insurance requirements. With a deep understanding of the industry’s challenges, BGES Group provides solutions tailored to each contractor’s unique needs.

• Custom Insurance Solutions: We work with multiple insurance carriers to find the right coverage that meets compliance standards while remaining cost-effective.
• Policy Review & Gap Analysis: Our experts review existing policies to identify exclusions and limitations that could cause compliance issues.
• Endorsement Negotiation: We negotiate with insurers to secure the necessary policy modifications.
• Expedited Compliance Assistance: We help contractors quickly obtain the proper documentation needed to satisfy screening service requirements.

Contact BGES Group Today

If you are a New York contractor struggling with insurance compliance issues, BGES Group can help. Contact us today to discuss your insurance needs and get a policy that meets your general contractor’s or building owner’s requirements.

BGES Group
Website: www.bgesgroup.com
Phone: (914) 806-5853 – Gary Wallach
Email: info@bgesgroup.com

Don’t let insurance gaps put your business at risk—partner with BGES Group to secure the right coverage and keep your projects moving forward!

Being a contractor is tough work. Long hours, heavy lifting, and dealing with clients who swear they can get the job done faster by watching a few YouTube videos. So, when contractors finally step through the door at home, they have a few simple wishes—nothing too extravagant, just enough to remind them why they endure the daily grind. Here are the ten things every contractor secretly hopes for when they get home from work.

1. A Meal That Didn’t Come in a Wrapper After a day of inhaling sawdust and grabbing lunch from the nearest gas station, a home-cooked meal feels like fine dining. It doesn’t have to be fancy—just something that didn’t require a microwave or a drive-thru. Bonus points if it’s hot and served on an actual plate instead of a takeout container.

2. Five Minutes Without a Question They’ve been fielding questions all day—”How long will this take?”, “Is that supposed to look like that?”, “Why is my cousin’s neighbor’s uncle saying you’re doing it wrong?” When they get home, all they ask for is five minutes of silence before the next round of inquiries begins.

3. A Shower That Doesn’t Feel Like a Second Job Washing off a day’s worth of sweat, dust, and who-knows-what-else should be refreshing, not another task. If the soap actually lathers and the water pressure doesn’t mimic a light drizzle, that’s a win. If they don’t have to share the shower with a collection of shampoo bottles, even better.

4. A “No Ladder” Policy After 6 PM The last thing they want to hear after climbing up and down ladders all day is, “While you’re up, can you change that lightbulb?” or “Can you grab that box from the attic?” They’ve already risked life and limb enough for one day—let’s keep both feet on the ground at home.

5. A Couch That Welcomes Them Like an Old Friend There’s no feeling quite like collapsing onto the couch after a long day. All they ask is for a few minutes of uninterrupted lounging before being asked to move over, adjust a pillow, or retrieve something from another room. Let them become one with the cushions for a little while.

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ATTENTION CONTRACTORS!

Are workers’ compensation audits giving you nightmares? BGES Group offers a workers’ compensation program for contractors in New York, New Jersey, and Connecticut that can minimize, and even eliminate, the need for annual audits. If your current program is causing you headaches, call Gary Wallach at BGES Group today at 914-806-5853.

We also have an associate who can help contractors in other states! Don’t let audits slow you down—get in touch today.

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6. A Remote That’s Theirs for the Evening After a day of power tools and loud machinery, contractors dream of flipping through channels without a debate. Whether it’s sports, a mindless sitcom, or a show about other people doing construction (but somehow getting it wrong), they just want control—just for one night.

7. No DIY Requests for 24 Hours Just because they build things for a living doesn’t mean they want to spend their free time doing it too. The moment they walk in, they don’t want to hear, “I was thinking we should knock down that wall.” Let them rest before springing a new home improvement project on them.

8. A Bed That Feels Like a Cloud (Without Any Surprise Pets) They’ve been on their feet all day, so their bed should feel like heaven. No surprise visits from the dog, cat, or kids kicking them in the ribs at 3 AM. Just a solid night’s sleep without feeling like they’re sharing the mattress with a zoo.

9. A “Thank You” Goes a Long Way They work hard, and sometimes all they want is a little appreciation. A simple “thanks for everything you do” or “I know you work really hard for us” can go a long way. It’s amazing how far a little gratitude can go in keeping a contractor happy.

10. A Reminder That Home is Their Safe Zone At the end of the day, what matters most is coming home to a place where they feel loved and appreciated. Work can be stressful, but home should be a place to unwind, recharge, and enjoy the company of family. That’s the best wish of all.

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About BGES Group

BGES Group is a team of workers’ compensation insurance specialists, dedicated to helping contractors and businesses find the best coverage at competitive rates. With extensive experience in the industry, we understand the unique challenges contractors face when it comes to workers’ compensation. Our specialized programs help minimize audits, reduce costs, and ensure compliance, so you can focus on what you do best—building and running your business.

If you’re looking for expert guidance and a hassle-free workers’ comp solution, we’re here to help!

Contact Information

• Contact: Gary Wallach
• Phone: 914-806-5853
• Email: bgesgroup@gmail.com
• Website: bgesgroup.com

Because when it comes to protecting your business, experience matters!

If you own a business in New York, understanding workers’ compensation insurance requirements is crucial. New York State has strict laws mandating that most employers carry workers’ comp coverage to protect employees in the event of a workplace injury. Failing to secure the proper insurance can result in significant financial penalties, legal consequences, and even criminal charges. This guide breaks down who is required to obtain workers’ compensation insurance, the repercussions of not carrying it, and how BGES Group can help you stay compliant.

Who Needs to Carry Workers’ Compensation Insurance in New York?

New York law requires nearly all businesses with employees to carry workers’ compensation insurance. This includes:

• Corporations: If you operate a corporation and have at least one employee (even yourself as an officer performing work), you must have a policy.
• LLCs and Partnerships: Any LLC or partnership with employees, regardless of whether those employees are family members, must have coverage.
• Sole Proprietors: While sole proprietors without employees are not legally required to carry workers’ comp insurance, they have the option to purchase coverage for themselves.
• Nonprofit Organizations: If your nonprofit has paid employees, workers’ compensation insurance is mandatory.

Exceptions to the Rule

Some business structures and employment arrangements are exempt from workers’ compensation insurance requirements in New York, including:

• Independent contractors (provided they meet strict classification guidelines)
• Unpaid volunteers
• Certain real estate agents and clergy members
• Sole proprietors with no employees

However, misclassifying employees as independent contractors can result in severe penalties, so it’s vital to ensure proper classification.

What Happens If You Don’t Have Workers’ Compensation Insurance?

Failure to obtain a required workers’ comp policy can have serious consequences. New York State aggressively enforces these laws, and penalties can quickly add up.

Fines and Penalties

If your business is found operating without mandatory workers’ compensation insurance, you may face:

• Fines ranging from $1,000 to skies the limit: The Workers’ Compensation Board can impose a fine of $2,000 for every 10-day period without coverage.
• Criminal charges: For businesses with five or more employees, failure to carry workers’ comp insurance can be prosecuted as a Class E felony.
• Stop-work orders: The state can shut down your business until proof of insurance is provided.
• Personal liability: If a corporation is found non-compliant, its officers can be held personally liable for claims and penalties.

What If an Employee Gets Hurt and You Have No Coverage?

A workplace injury can be devastating for both the employee and the employer—especially if you don’t have the legally required workers’ compensation insurance.

Direct Financial Liability

If an employee gets injured on the job and your business lacks workers’ compensation coverage, you are personally responsible for all medical bills, lost wages, and potential disability benefits. These costs can run into the hundreds of thousands of dollars, depending on the severity of the injury.

Lawsuits and Legal Consequences

An injured worker has the right to sue the employer for damages, including pain and suffering. Unlike in a properly insured claim where workers’ compensation laws limit liability, an uninsured employer may face a much larger financial burden from lawsuits.

State-Imposed Penalties

In addition to covering the injured worker’s medical expenses, your business will face substantial penalties from the New York Workers’ Compensation Board for non-compliance.

How BGES Group Can Help You Secure Workers’ Compensation Insurance

Navigating workers’ compensation laws in New York can be overwhelming, but BGES Group specializes in helping businesses obtain the proper coverage to avoid costly fines and legal issues.

Why Choose BGES Group?

• Expert Guidance: BGES Group understands the complexities of workers’ comp laws and can help you determine the right coverage for your business.
• Custom Solutions: They work with businesses of all sizes and industries to find policies that provide the best protection at competitive rates.
• Fast and Easy Enrollment: Their team ensures a smooth application process so you can get insured quickly and stay compliant.
• Ongoing Support: If you have questions or need to update your coverage, BGES Group is there to assist you every step of the way.

Contact BGES Group Today

If you need workers’ compensation insurance in New York, don’t wait until it’s too late. BGES Group can help you secure the right policy and keep your business compliant with state laws.

• Contact Person: Gary Wallach
• Phone Number: 914-806-5853
• Email: info@bgesgroup.com
• Website: www.bgesgroup.com

Conclusion

Ensuring that your business carries the required workers’ compensation insurance in New York is not just about compliance—it’s about protecting your employees and your company from financial disaster. The penalties for non-compliance can be severe, including hefty fines, lawsuits, and even criminal charges. By partnering with BGES Group, you can secure the right workers’ comp policy and safeguard your business from unnecessary risks. Contact Gary Wallach and his team today to get started!

New York’s Labor Laws 240 and 241 impose strict liability on general contractors and building owners for certain construction site injuries. These laws make it crucial for contractors to carry the right liability insurance, as claims under these statutes do not require proof of negligence. This is why many insurance companies have stopped insuring New York contractors—the financial risks are simply too high.

Five Examples of New York Labor Law 240 & 241 Accidents

Example 1: Scaffold Collapse

A subcontractor’s employee is working on a scaffold, installing windows on a high-rise building. The scaffold collapses, causing the worker to fall and suffer severe injuries. Under New York Labor Law 240, also known as the “Scaffold Law,” the general contractor and building owner are strictly liable for the accident.

Insurance Response:

• The injured worker’s first recourse is workers’ compensation insurance, as New York law prohibits employees from suing their direct employer.
• Since the worker cannot sue the subcontractor, they file a claim against the general contractor and building owner.
• The general contractor’s liability insurance responds first. However, since a properly drafted insurance and hold harmless agreement was in place, the subcontractor’s insurance policy, which includes labor law coverage, also responds, protecting the general contractor.

Example 2: Ladder Accident

A worker employed by a subcontractor is using a defective ladder, which slips, causing them to fall and sustain injuries. This falls under Labor Law 240, holding the general contractor and building owner strictly liable.

Insurance Response:

• The worker files for workers’ compensation first.
• Since they cannot sue their employer, they sue the general contractor and building owner.
• The general contractor’s insurance responds, but because the subcontractor had the required labor law coverage in their liability policy, their insurance contributes to the defense and indemnity, reducing the exposure for the general contractor.

Example 3: Falling Debris Injury

A subcontractor’s worker is struck by falling debris due to inadequate overhead protection. Under Labor Law 241, the general contractor and building owner are held strictly liable.

Insurance Response:

• Workers’ compensation covers the worker’s immediate medical expenses and lost wages.
• A labor law claim is filed against the general contractor and building owner.
• The general contractor’s liability policy responds first, but thanks to a well-structured insurance and hold harmless agreement, the subcontractor’s policy also contributes.

Example 4: Trench Collapse

A worker employed by a subcontractor is inside an improperly shored-up trench when it collapses, leading to serious injuries. This is a clear violation of Labor Law 241, making the general contractor and building owner liable.

Insurance Response:

• The worker collects benefits under workers’ compensation.
• They sue the general contractor and building owner under strict liability.
• The general contractor’s liability insurance pays the claim initially, but due to contractually mandated coverage, the subcontractor’s policy contributes, preventing excessive financial strain on the general contractor’s insurance.

Example 5: Hoist Malfunction

A subcontractor’s employee is using a hoist to transport materials when it malfunctions, causing them to fall and sustain injuries. This is a Labor Law 240 case, making the general contractor and building owner liable.

Insurance Response:

• Workers’ compensation covers the worker’s immediate costs.
• A claim is filed against the general contractor and building owner.
• Because the subcontractor had the right insurance in place, including additional insured status for the general contractor, the subcontractor’s policy shares in the cost of the claim.

Why Insurance Coverage Matters

New York contractors looking for new liability insurance must understand that labor law claims are costly and unavoidable. Strict liability means insurance companies struggle to make money even with high premiums, leading many to refuse coverage for New York contractors.

What General Contractors Require from Subcontractors

To protect themselves, knowledgeable general contractors, building owners, and risk managers require subcontractors to have:

• Labor Law Coverage
• Additional Insured Status for the general contractor and building owner
• Contractual Liability Coverage
• Primary and Non-Contributory Coverage
• Waiver of Subrogation
• Minimum Liability Limits per the insurance and hold harmless agreement

If a subcontractor does not meet these requirements, the general contractor may not be protected in a claim, leaving them exposed to financial loss.

How BGES Group Can Help

Finding the right insurance coverage for New York contractors is challenging, but BGES Group specializes in securing construction insurance policies that meet the stringent requirements of general contractors and building owners. We provide tailored solutions that include labor law coverage, ensuring contractors are protected against costly claims.

For assistance with securing comprehensive liability insurance for your construction business, contact:

Gary Wallach
BGES Group
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

If you’re a contractor searching for New York construction insurance, Labor Law 240 and 241 liability coverage, or action over coverage, BGES Group can help you get the protection you need. Contact us today to ensure your business is covered and compliant with New York’s strict labor laws.

As a contractor in New York, New Jersey, or Connecticut, understanding workers’ compensation insurance is crucial for protecting your business and employees. Whether you’re a general contractor, a subcontractor, or run a construction company, workers’ comp is not just a legal requirement but also a safeguard against potential financial losses. At BGES Group, we specialize in workers’ compensation insurance and can help you secure a new policy or answer any questions. Call us today at (914) 806-5853 or email bgesgroup@bgesgroup.com. Visit our website at www.bgesgroup.com for more information.

1. Do I Need Workers’ Compensation Insurance?

Yes. In New York, New Jersey, and Connecticut, most contractors are legally required to carry workers’ compensation insurance. If you have employees, this coverage is mandatory. Even if you operate as a sole proprietor, some clients may require you to have a policy before working on their job site.

2. What Happens If I Don’t Have Workers’ Comp Insurance?

Operating without workers’ comp insurance can result in severe penalties, including hefty fines, stop-work orders, and potential lawsuits if an employee is injured. In states like New York, failing to provide coverage can lead to criminal charges. It’s crucial to have a policy in place to stay compliant and protect your business.

3. How Much Does Workers’ Compensation Insurance Cost for Contractors?

The cost of workers’ compensation insurance varies based on factors like payroll, job classification codes, claim history, and the state where you operate. Construction work is high-risk, so premiums can be higher. BGES Group can help you find competitive rates by shopping multiple carriers for the best deal.

4. Can I Reduce My Workers’ Compensation Insurance Costs?

Yes! There are several ways to lower costs, such as implementing safety programs, maintaining a claims-free history, and correctly classifying employees. BGES Group can review your policy to ensure you’re not overpaying and help you implement cost-saving strategies.

5. Are Subcontractors Covered Under My Workers’ Comp Policy?

It depends. If a subcontractor has their own workers’ compensation insurance, they are typically responsible for their own coverage. However, if they do not, you could be held liable for their injuries, and they may be counted as employees under your policy. Always require proof of coverage from subcontractors before hiring them.

6. What Should I Do If an Employee Is Injured on the Job?

Report the injury immediately to your insurance provider and ensure the employee receives proper medical attention. Delaying claims can result in higher costs and potential legal issues. BGES Group can guide you through the claims process to ensure it is handled efficiently.

7. How Does Workers’ Comp Coverage Work for Out-of-State Projects?

If you take on projects outside your home state, your policy must include coverage for those states. Not all workers’ comp policies automatically extend to other states. BGES Group can help you modify your policy to ensure compliance with different state laws.

8. Does Workers’ Compensation Cover Independent Contractors?

No, independent contractors are not typically covered under a standard workers’ comp policy. However, misclassification of employees as independent contractors can lead to serious legal and financial consequences. It’s best to consult with BGES Group to determine the proper classification for your workers.

9. What If I Have a Workers’ Comp Claim Dispute?

If a claim is denied or disputed, you have the right to appeal. The process varies by state and may involve hearings or legal representation. BGES Group has extensive experience assisting contractors with claim disputes and can help navigate the system to ensure a fair outcome.

10. How Do I Get a New Workers’ Compensation Insurance Policy?

Getting a policy is easy with the right guidance. BGES Group specializes in helping contractors secure the best workers’ comp policies at competitive rates. Contact us at (914) 806-5853 or email bgesgroup@bgesgroup.com to discuss your options and get a quote today.

Why Choose BGES Group?

BGES Group has years of experience helping contractors in New York, New Jersey, and Connecticut navigate the complexities of workers’ compensation insurance. We work with top-rated carriers to find you the best rates and coverage options tailored to your business needs. Whether you need a new policy, want to lower your costs, or have questions, we’re here to help!

For expert assistance, call (914) 806-5853, email bgesgroup@bgesgroup.com, or visit www.bgesgroup.com today. Protect your business and stay compliant with the right workers’ compensation insurance policy!

Workers’ compensation insurance is essential for businesses to protect their employees and themselves from the financial consequences of workplace injuries. However, many business owners have questions about how workers’ compensation insurance works, what it covers, and how to find the right policy. Here are the 10 most common questions business owners ask:

1. What Does Workers’ Compensation Insurance Cover?

Workers’ compensation insurance provides coverage for employees who suffer work-related injuries or illnesses. The policy typically covers:

• Medical expenses related to workplace injuries
• Lost wages for employees unable to work due to injury
• Disability benefits (temporary or permanent)
• Rehabilitation costs
• Death benefits for the families of employees who suffer fatal injuries

Without workers’ compensation insurance, employers could face lawsuits and financial liabilities.

2. What Are My Policy Options?

There are several ways to purchase workers’ compensation insurance:

• Stand-alone policies from insurance companies
• Payroll/workers’ compensation plans integrated with payroll services
• Professional Employer Organization (PEO) plans, which bundle multiple HR and insurance services
• State and assigned risk plans for businesses that cannot get coverage through traditional insurers

3. How Is the Cost of Workers’ Compensation Insurance Determined?

The cost of workers’ compensation insurance depends on several factors:

• Industry and job classification codes (some jobs are riskier than others)
• Payroll size (higher payrolls mean higher premiums)
• Claims history (businesses with fewer claims pay lower rates)
• Experience modification rating (EMR) (a metric that reflects past claims)

4. Why Are There Audits at the End of the Policy Period?

Insurance companies conduct workers’ compensation audits to verify that businesses paid the correct premium based on actual payroll and job classifications. If a business underestimated payroll, they may owe additional premium. If they overestimated, they may receive a refund or credit.

5. If I’m a Contractor, Can I Split Payrolls by Class Code?

Yes, but with strict conditions. If an employee performs multiple job functions (e.g., roofing and carpentry work), some states allow split payroll classification. However, detailed payroll records must be maintained. Otherwise, insurers classify the worker under the highest-rated job class, leading to higher premiums.

6. Where Can I Buy Workers’ Compensation Coverage?

Businesses can buy workers’ compensation insurance from:

• Private insurance carriers (for businesses that qualify for standard coverage)
• State-run programs (for businesses in monopolistic states or assigned risk pools)
• Professional Employer Organizations (PEOs) (which provide bundled HR and insurance services)
• BGES Group, one of the Tri-State’s top workers’ compensation specialists, helping businesses secure cost-effective coverage

7. What Happens If I Hire 1099 Workers?

Misclassifying 1099 independent contractors as non-employees can lead to serious legal and financial consequences. Many states and insurers require businesses to carry workers’ compensation insurance for contractors unless they have their own coverage. If an uninsured 1099 worker gets injured, your business could be held liable.

8. What If My Employees Work Out of State?

If your employees work out of state for more than three days, you need to ensure that your workers’ compensation policy provides coverage in that state. Some states require businesses to purchase workers’ compensation insurance specific to their jurisdiction. Failure to comply can result in fines and denied claims.

9. What Does Employer Liability Cover?

Employer liability insurance, included in most workers’ compensation policies, covers lawsuits related to workplace injuries. While workers’ compensation insurance generally protects businesses from being sued by injured employees, employer liability covers:

• Third-party lawsuits (e.g., if an employee sues an equipment manufacturer and the manufacturer sues your business)
• Consequential injuries (e.g., if an injured employee’s family member files a lawsuit)
• Dual capacity claims (e.g., if the employee sues your business in multiple roles, such as employer and manufacturer of a product)

10. Is There a Way to Pay Based on Past Monthly Payroll?

Yes, some insurers offer pay-as-you-go workers’ compensation insurance. Instead of estimating payroll for the year, you pay premiums based on actual monthly payroll. This method helps businesses improve cash flow and avoid large audit adjustments at the end of the policy period.

Get Expert Help from BGES Group

Navigating workers’ compensation insurance can be complex, but BGES Group specializes in helping businesses secure the right coverage. With decades of experience, they offer tailored solutions, including traditional policies, pay-as-you-go options, and PEO plans.

Contact BGES Group for Assistance:

• Contact Person: Gary Wallach – 914-806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

If you need help securing workers’ compensation insurance, turn to BGES Group, the trusted name in the Tri-State area.

New York is home to thousands of contractors who work at heights on the exterior of buildings up to five stories. These professionals, including roofing contractors, masonry workers, painters, and window installers, face unique risks daily. One misstep or an unexpected event could lead to costly claims, injuries, or property damage. That’s why having the right contractor liability insurance is crucial.

Why Do Contractors Who Work at Heights Need Specialized Insurance Coverage?

Working at heights comes with an increased risk of falls, debris-related accidents, and structural damage. Without general liability insurance for contractors, businesses can be held personally responsible for injuries or damages. The following are some of the primary reasons why insurance coverage is critical:

• Protection Against Lawsuits: Even the most experienced contractors can face legal claims due to accidents.
• Coverage for Medical Expenses: If an employee or third party is injured, insurance can cover medical costs.
• Property Damage Protection: Accidents involving tools or materials can lead to property damage.
• Compliance with New York Regulations: Many building owners and municipalities require proof of insurance before allowing work to commence.

Types of Insurance Coverage Essential for Contractors Working at Heights

1. General Liability Insurance

This is the most basic form of contractor insurance coverage and is essential for protecting against third-party bodily injuries and property damage. For contractors working at heights, policies must include provisions for fall-related incidents and accidental damage to lower-level structures or vehicles.

2. Workers’ Compensation Insurance

New York law requires most contractors to carry workers’ compensation insurance to protect employees in case of job-related injuries. Given the high risks of working at heights, this coverage is a must-have to cover medical expenses and lost wages.

3. Commercial Auto Insurance

Contractors often transport tools, materials, and crew members in commercial vehicles. Commercial auto insurance ensures that any accidents involving company vehicles are covered, including liability for injuries and damage to property.

4. Excess Liability Insurance (Umbrella Insurance)

For contractors taking on larger projects or working on multiple buildings, excess liability insurance extends the limits of your general liability policy, providing extra protection against expensive claims.

5. Inland Marine Insurance

Standard policies may not cover expensive tools and equipment. Inland marine insurance protects valuable contractor equipment while in transit or on a job site.

How to Get the Best Contractor Liability Insurance in New York

Finding the right New York contractor insurance policy can be challenging, but following these steps can help ensure you get adequate coverage:

1. Assess Your Business Risks

Identify your primary risks based on the type of work you perform. Contractors working at heights should focus on policies that specifically address fall risks, falling debris, and worker injuries.

2. Work with a Specialized Insurance Broker

General insurance agents may not fully understand the needs of contractors working at heights. It’s best to work with brokers specializing in construction liability insurance to ensure you get tailored coverage.

3. Compare Multiple Insurance Quotes

Not all contractor insurance policies are created equal. Get multiple quotes to compare premiums, coverage limits, and exclusions.

4. Ensure Adequate Coverage Limits

Opting for the lowest price could leave your business underinsured. Always check the policy limits to ensure they align with project requirements and potential risks.

5. Review Policy Exclusions

Some policies may exclude specific risks, such as work performed on scaffolding or near power lines. Make sure to review exclusions carefully.

Why Choose BGES Group for Contractor Liability Insurance in New York?

With decades of experience specializing in New York contractor liability insurance, BGES Group understands the unique challenges faced by contractors working at heights. Our tailored insurance solutions ensure that you have the right coverage at the best rates.

Benefits of Choosing BGES Group:

• Expertise in High-Risk Contractor Insurance
• Access to Top Insurance Carriers
• Competitive Pricing for Comprehensive Coverage
• Fast Certificate of Insurance Issuance
• Dedicated Support from Industry Professionals

If you’re a contractor in New York working at heights and need reliable contractor general liability insurance, BGES Group can help. Contact us today for a free consultation and customized insurance solutions tailored to your business needs.

Contact BGES Group:

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

Protect your business today with the right contractor liability insurance and gain the peace of mind you need to focus on your projects safely.