If you’re a New York contractor dealing with workers’ compensation insurance, chances are you’ve experienced at least one of the following frustrations:
• Surprise audit bills charging you 50% more than you expected
• Premiums skyrocketing because payroll isn’t being properly separated
• Endless hours chasing down records for audits or certified payrolls
• Stress trying to prove to insurance companies that your numbers are accurate
You’re not alone. These issues are all too common in the New York construction industry. But what if we told you there’s a better way—one that saves you time, money, and stress?
Let’s break it down.
The Problem: Workers Comp Audits in NY Are a Nightmare
New York contractors are under the gun when it comes to workers comp audits. Insurers don’t play around when it’s time to reconcile your actual payroll against the estimate.
We hear it every day from contractors:
• “They hit me with a 50% charge at audit!”
• “They lumped all my payroll into the highest-rated class code!”
• “I have no time to track all this, I’m running jobs!”
These are real complaints from real contractors. And it’s not always your fault. Your insurance company may be using outdated estimates, or you may not have the time or tools to break out payrolls by job, employee, or class code. And if you’re doing wrap-up work, the audit and reporting requirements are even more complicated.
The Solution: A Program That Combines Payroll & Workers Comp
Imagine this: your workers comp insurance is bundled together with your payroll service. That means all the data that the insurance carrier needs—for audits, classifications, and even certified payroll—is automatically accurate and organized.
That’s the kind of program we’re offering.
Here’s how it works:
Payroll and workers compensation are managed together under one system. Class codes are correctly applied to each worker based on the job and job site. Certified payroll reports are generated with ease. Wrap-up projects are easily tracked with clean record separation. And most importantly—there are no surprises at audit time because they already have the real numbers.
You may not even be required to do a formal annual audit. That’s right—when your payroll and workers comp are fully integrated, the insurance company already has what they need.
What Makes This So Powerful?
In a traditional setup, you deal with manual audits that waste time, risk class code errors that cost thousands, and force you to do all the legwork yourself. Certified payroll is a burden, and wrap-up or OCIP payrolls can turn into complete chaos if not tracked separately.
But with this integrated system, everything is automated and done for you. You’re no longer the middleman between the job site and the insurance company. All the reports are built-in. The numbers are accurate. Time is saved. Mistakes are minimized. You regain control of your business operations without the administrative headaches.
This is not a gimmick. It’s a tested and trusted approach that contractors around the country are using to eliminate audit stress, reduce premiums, and free up their time.
But What If You Only Work in NY?
BGES Group is based in New York and we’ve been workers compensation specialists for over 30 years. We’ve worked with hundreds of contractors in the tri-state area—New York, New Jersey, and Connecticut. We know the rules, the audits, the classifications, and the common pitfalls.
But we’ve also partnered with an experienced associate who can assist contractors in all 50 states with this integrated program. That means whether you’re a GC in Manhattan or a subcontractor on a project in Florida, Texas, or California, we can get you set up with a system that works.
Benefits at a Glance
Here are 10 reasons why you should consider switching to this smarter solution:
1. No more audit nightmares – real-time payroll data makes audits unnecessary or easy
2. Avoid premium overcharges – correct class codes from the start
3. Certified payroll handled – meet government project requirements with ease
4. Clean wrap-up reporting – separate job records for OCIP/CCIP projects
5. Time savings – eliminate hours spent preparing audit documents
6. Cost control – pay premiums based on actual payroll, not inflated estimates
7. Simplicity – one system handles payroll and comp together
8. Flexibility – works for both union and non-union contractors
9. Support – ongoing help from insurance and payroll experts
10. Scalability – great for small contractors and large firms alike
Why BGES Group?
We’re not just another insurance broker. BGES Group specializes in construction and workers compensation. We know what NY contractors face every day, and we know how to make your life easier.
Whether you’re dealing with a tough audit, overcharges, class code confusion, or certified payroll issues, we can help you implement a better system that’s tailored to the way your business actually works.
We serve the New York, New Jersey, and Connecticut markets directly. And for this special program, our associate can help contractors in any state across the U.S.
Let’s Talk
If you’re tired of getting crushed at audit time, fed up with paperwork, or just want a more efficient and accurate way to manage your workers compensation insurance, give us a call.
We’ll walk you through how the program works and see if it’s a fit for your business.
Contact BGES Group:
Gary Wallach
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: http://www.bgesgroup.com
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Don’t let another audit or overcharge drain your profits. There’s a smarter way to handle workers comp—and it starts with a simple conversation.
Let BGES Group show you how to protect your business, streamline your operations, and finally take control of your workers compensation insurance.