If you’re a business owner in New York, New Jersey, or Connecticut, you already know how tough it is to run a company in today’s environment. Costs are going up, regulations keep changing, and one of the biggest headaches many business owners face is finding reliable workers compensation insurance.
Workers comp is not optional—it’s the law. Without it, your company can face hefty fines, lawsuits, and even forced shutdowns. But here’s the catch: many business owners are finding it harder than ever to secure new coverage. Insurance companies are tightening their requirements, some industries are blacklisted, and many agencies don’t want to put in the work to find you the right solution.
That’s where BGES Group comes in. We specialize in helping Tri-State business owners solve their insurance challenges—especially when it comes to workers compensation. Whether you’ve been dropped, declined, overcharged, or ignored, we have options for you.
Below are 10 common problems business owners face—and how we can help solve them.
10 Hypothetical Problems BGES Group Helps Solve for Business Owners
- Your insurance carrier suddenly non-renews your policy.
Many companies are blindsided by non-renewal notices. BGES Group steps in quickly, shops the market, and finds replacement coverage—so your business doesn’t skip a beat. - You’ve been classified incorrectly and are paying too much.
A masonry contractor classified as “steel erection” could be paying double what they should. We audit your classifications, correct errors, and save you money. - You were cancelled for missing an audit.
It happens more often than you think. We help negotiate reinstatement or place you with a new carrier—even if you’ve had audit issues in the past. - Your payroll has grown and your premium exploded.
Growth is good—but the costs can sting. We help you implement strategies like pay-as-you-go workers comp, smoothing cash flow and keeping your business stable. - You have employees in multiple states.
Some carriers won’t cover multi-state exposures. We work with companies licensed across the Tri-State and beyond, so your team is fully protected wherever they work. - You’re in a high-risk industry (construction, trucking, healthcare).
Many agencies give up when they hear “construction” or “trucking.” We don’t. BGES Group specializes in tough industries and has access to markets others don’t. - You have past claims driving up your experience mod.
A couple of injuries can cause your premiums to skyrocket. We help you create a plan to manage claims, improve safety, and negotiate better rates. - You’re a new business with no prior coverage.
Startups often hear “no” from traditional carriers. We can find you coverage—even if you have zero history—so you can hire employees legally and grow your business. - You hire independent contractors and need coverage to get jobs.
General contractors and municipalities often require proof of workers comp. Even if you primarily use subcontractors, we can structure a policy that satisfies contracts and keeps you compliant. - You can’t get anyone to call you back.
Too many agencies treat small and mid-sized businesses like second-class clients. At BGES Group, every client gets personal service and direct access to a specialist—not a call center.
Why Business Owners Across the Tri-State Choose BGES Group
At BGES Group, we’ve been helping business owners for decades. Our focus is simple: we solve insurance problems that other brokers can’t—or won’t.
Here’s what sets us apart:
- Specialists in Workers Compensation: We know the ins and outs of the system, the carriers, and the regulations in New York, New Jersey, and Connecticut.
- Tough Cases Welcome: Cancelled policies, bad claims history, high-risk industries—we find solutions where others throw up their hands.
- Personal Service: You’re not just a policy number. We get to know your business and treat you like a valued partner.
- Access to the Right Markets: We have relationships with carriers that many agencies don’t, giving you more options and better pricing.
- Long-Term Guidance: We don’t just place a policy—we help you manage claims, improve safety, and keep costs under control year after year.
Running a business in the Tri-State is tough enough. Don’t let workers comp insurance stand in your way. Whether you’re a contractor in Queens, a trucking company in Newark, or a healthcare provider in Stamford, BGES Group is here to help you secure the coverage you need.
Contact BGES Group Today
If you’re struggling to get new workers compensation insurance—or just want a second opinion on your current policy—reach out today. We’ll review your situation, explain your options in plain English, and get you back on track.
📞 Call: (914) 806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com
Final Word
Workers compensation insurance shouldn’t be a barrier to running your business. Unfortunately, too many Tri-State owners are stuck without coverage—or stuck paying too much. But you don’t have to accept that. BGES Group specializes in solving these exact problems, and we’re ready to help you today.
Don’t wait until a claim, an audit, or a non-renewal notice turns into a crisis. Reach out to BGES Group now and let us take the stress of workers comp insurance off your shoulders—so you can get back to doing what you do best: running your business.