If you’re a New York contractor, you already know how frustrating workers’ compensation can be. Endless paperwork, audits that take months, and unexpected bills that hit when you least expect them. You’ve got enough to worry about running your crews, finishing jobs on time, and keeping clients happy — you don’t need insurance slowing you down.
The good news? There’s a better, smarter way to handle your workers’ comp. A system designed specifically for contractors like you — one that takes the pain out of audits, saves you money, keeps you compliant, and gives you more time to focus on building.
Here are 10 powerful benefits you’ll experience when you switch to this better system.
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1. No More Audit Nightmares
With traditional workers’ comp, audits are brutal. You spend days digging up payroll reports, subcontractor info, and job details. With this new approach, your payroll is handled within the system — so most of the audit work is already done for you.
Yes, the company may still perform an annual audit (they’re required to), but it’s quick and easy. They already have your payroll information and classifications. You might just need to provide certificates of insurance for your subs or confirm employee job duties. That’s it. No more chaos, no more stress, no more months of back-and-forth.
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2. Pay-As-You-Go Convenience
Forget big upfront payments or estimated premiums. You’ll pay based on your actual payroll each pay period — not on guesses. When business slows down, your workers’ comp costs automatically drop. When you take on more work, coverage adjusts instantly. That means steady cash flow and no surprise bills at the end of the year.
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3. Instant Certificates of Insurance
Need a certificate fast to get paid or start a job? No problem. Certificates are issued the same day — often within hours. You’ll never have to chase your insurance agent or lose a project because of delays. Speed matters in construction, and this program delivers.
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4. Total Jobsite Compliance
Every general contractor and project owner wants to see proof of coverage — and this program helps you stay compliant across the board. All your workers are properly classified and insured, and you’ll easily meet New York’s strict labor laws. No more worrying about fines, stop-work orders, or coverage disputes.
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5. Coverage That Moves With You
From Manhattan high-rises to upstate residential builds, your coverage follows your business. Whether you take on one job in Queens or ten across New York State, you’re protected without the hassle of adding separate policies or endorsements. It’s seamless and flexible.
6. Payroll, Workers’ Comp, and HR — All in One Place
Managing separate systems for payroll, taxes, and insurance is time-consuming and costly. This program combines everything under one roof — so your payroll, workers’ comp, and HR administration are all handled together. You save hours every week and eliminate the chance of errors.
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7. Better Cash Flow and Lower Upfront Costs
No big deposits. No “pay now, adjust later.” With this system, you pay only for what you actually use. That means more working capital for your projects, materials, and crews. For contractors juggling multiple jobs, that kind of flexibility can make all the difference.
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8. Expert Claims Handling
When accidents happen — and in construction, they do — you need claims handled fast and fairly. This program uses experts who understand construction work. They help injured workers get back on the job safely while protecting you from unnecessary costs. That keeps your experience modification factor (MOD) low and your premiums stable.
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9. No Classification Surprises
Traditional insurance audits often hit contractors with reclassifications — suddenly your painter is a carpenter or your driver is “construction labor,” and you owe thousands more. With this program, payroll is categorized accurately from the start, which eliminates surprise adjustments and keeps your costs steady.
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10. Focus on Building — Not Paperwork
You’re in business to build, not to chase down payroll reports, manage compliance, or argue with insurance auditors. This system takes all of that off your plate. You get more time to bid, manage crews, and grow your business — while your insurance and compliance run smoothly in the background.
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BGES Group — We Make Construction Insurance Easy
At BGES Group, we specialize in New York construction insurance — general liability, workers’ compensation, umbrella, bonds, and more. We’ve spent decades helping contractors just like you simplify coverage, eliminate audit stress, and lower costs.
We work with programs specifically built for contractors. Programs that are audit-light, cash-flow friendly, and compliance smart. Our clients love the simplicity — one system for payroll and workers’ comp, automatic premium adjustments, and fast certificate turnaround.
When you call BGES Group, you’re not talking to a call center or a chatbot. You get real people who understand construction — people who know how to keep you compliant, protect your business, and save you money.
We’ve helped hundreds of New York contractors get out from under complicated audits and unpredictable bills. If you’re ready to stop wasting hours on paperwork and start running your business with confidence, we’re here to help.
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It’s Time to Ditch the Old Way
You don’t have to keep dealing with stressful audits, surprise invoices, and endless paperwork. There’s a smarter, simpler, and more efficient way to manage workers’ comp — one designed for contractors who want to grow, not drown in red tape.
Let BGES Group show you how easy it can be to make the switch.
Contact BGES Group today:
Gary Wallach
📞 914-806-5853
BGES Group — Construction Insurance Specialists Serving New York Contractors.
We make workers’ comp easy. We make your life easier.