1. Have high value property located along the shore line or on islands like Fire Island, Block Island, Long Beach Island, etc? We have a property/liability/flood program that can give you the coverage needed. Call 914-806-5853 for help today!
2. Check out our new Construction News website which will tell you what’s going on in the construction industry throughout the country. Click here.
Over the past years we’ve had hundreds of New York (We can help contractors who work in the tri-state area) contractors turn to us for help getting new Worker’s Compensation insurance because they were being cancelled for whatever reason.
The #1 cause for cancellation was poor loss experience. They had a few rotten apple employees that filed phony comp claims and drove their employer loss runs into the hundreds of thousands, millions in losses. Not only did it impact their workers compensation coverage but it also had a devastating affect on their general liability (New York Labor Law claims).
We had a restoration contractor with great ownership have in excess of 1.4 million in claims. Three to four claims were B.S. All with lawyers. Please note we go them coverage and at a better rate.
We had another demolition contractor with 650,000 in claims. This contractor hired a private investigator who would investigate each claim hours after it happened. One employee who was claiming he had back problems and loss of hearing had no issues when the private eye sent a woman to flirt with him on the street. He could hear perfectly and walk fine too. Please note we go them coverage and at a better rate.
The next reason is they were having audit issues with their company who created “phantom income” because their sales/payroll ratio was out of whack. Some had their payrolls moved to higher rated class codes. Some got charged for uninsured subs that had insurance. Fighting their company was like fighting “City Hall” and their company was sticking them for tens, hundreds of thousands of dollars when actually they were owed money.
We actually sat in on an audit with this company, had our client describe in detail what they did and their head auditor could care less, was an a__hole and charged them a $50+ rate. In the end we got help from the NYCIRB (who this company had to listen to) and the rate ended up being $13+.
Finally contractors are being non-renewed because they no longer fit their company’s underwriting guidelines. They sub out too much work. They operate at heights in excess of 2 stories.
Let us now introduce ourselves. Our company is called BGES Group and we specialize at getting contractors Worker’s Compensation insurance. Our owner has been working in the insurance industry since 1981 and can get the job done when others can’t! He is a walking encyclopedia of coverage and “street smart” too. He’s old school and he’s available to help Monday thru Sunday anytime you call. By the way when you call he answers his phone and doesn’t charge ridiculous service fees or policy fees. If you do a “Google Review” you will see that 51 people rave about him. Most important he is extremely trustworthy and interesting to talk to.
BGES Group represents all the best construction Worker’s Compensation programs including stand-a-lone workers compensation policies, payroll/wc policies, Professional Employer Organization (PEO) policies, state and assigned risk policies and we have a few other tricks in our bag to get you coverage when others can’t.
Take a minute now to watch our video. It will explain how we can help you and all the issues we can help solve for you.
We ask if you have a problem that you pick up the phone and call us right now. Doesn’t matter what time of the day or what day. We are here to help and WILL help…all it takes is for you to call. 914-806-5853.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits; 9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
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