As a contractor in New York, New Jersey, or Connecticut, managing workers’ compensation can be one of the most challenging aspects of running your business. High costs, inefficient service, complicated audits, and unreliable brokers can all contribute to unnecessary frustration. If you are struggling with your current policy, you are not alone. Many contractors face similar issues, and finding the right solution can be a game changer for your business.
At BGES Group, we specialize in helping contractors navigate the complexities of workers’ compensation insurance. Our goal is to provide you with cost-effective solutions, outstanding customer service, and the peace of mind that comes from knowing your policy is working in your favor.
Common Issues We Can Help You Resolve
If you’re experiencing any of the following problems, we have the expertise to help:
- High Workers’ Compensation Costs – We have specialty programs that can lower your rates by up to 40%.
- Policy Cancellations or Non-Renewals – If your policy is being canceled due to poor loss experience, we can help find you a new company that fits your needs.
- Poor Customer Service from Your Current Broker – If you are tired of dealing with unresponsive, unhelpful representatives, we provide a dedicated expert who will always be available when you need them.
- Confusing Composite Rates – Many contractors are unsure of what they are actually paying due to composite rates that bundle payroll service fees and taxes. We can help you gain clarity and control over these costs.
- High Experience Modification Factor (MOD) – If your high MOD is making it difficult to secure new contracts, we can implement strategies to bring it down.
- Problems with Professional Employer Organizations (PEOs) – If your PEO is causing issues such as delayed payroll reports, long hold times, and lack of personalized service, we can help you transition to a better solution.
- Hassle of Annual Audits – If audits feel like interrogations, we offer programs that minimize or eliminate the need for extensive paperwork.
- Multi-State Coverage Confusion – If you work in multiple states and are in a state or assigned risk program, you could be exposed to significant uncovered losses. We provide solutions to ensure you are fully protected.
- Delayed Insurance Certificates – If you’re waiting hours or even days for your certificates, we guarantee a more efficient process.
- Unreliable Insurance Brokers – If your broker is never available when you need them, always in meetings, or slow to respond, we offer the level of service you deserve.
- Limited Insurance Options – If your current agency provides only a few choices and inexperienced service representatives, we give you access to a wide range of solutions tailored to your specific needs.
What Makes BGES Group Different?
When you work with us, you don’t get just another insurance agency—you get a dedicated partner who understands the industry and fights for your best interests. Here’s what you can expect:
- A Dedicated Specialist with 43 Years of Experience – You will work with someone who truly knows workers’ compensation inside and out.
- Creative Problem-Solving – We don’t just follow cookie-cutter solutions. We think outside the box to find the best options for you.
- Industry Expertise – With decades of knowledge, we know how to navigate the system to get you the best results.
- Strong Connections – Our network allows us to find the best policies and negotiate on your behalf.
- A Proactive Approach – We anticipate problems before they arise and work to prevent them.
- Aggressive Advocacy – We fight for you to get the best rates and the best coverage.
- Always Available When You Need Us – You will have direct access to an expert who answers your calls and emails promptly.
- A Commitment to Integrity – We do what we say we’re going to do, every time.
Our Workers’ Compensation Solutions
At BGES Group, we offer comprehensive solutions to help you manage your workers’ compensation policies efficiently and affordably. Here are some of the key services we provide:
- Lowering Your Workers’ Compensation Costs – Our specialty programs can reduce your costs by as much as 40%.
- Finding a New Insurance Provider – If your current company is canceling or non-renewing your policy, we will secure a new one for you.
- Assisting with Audit Disputes – If you believe your audit results are incorrect, we can help you challenge them.
- Preventing Fictitious Payroll Charges – Some companies inflate payroll at audit time. We help ensure accuracy and fairness.
- Reducing High Experience Modification Factors – If your MOD is too high, we can help you implement a plan to bring it down.
- Correcting Payroll Misclassification – If your payroll is classified incorrectly, you could be overpaying. We ensure proper classification.
- Eliminating or Reducing Renewal Deposits – If renewal deposits are straining your cash flow, we can help negotiate better terms.
- Securing Coverage for Lapsed Policies – If you’ve been without coverage for a few months, we can help you get insured again.
- Multi-State Policy Coverage – We provide solutions that allow you to work in multiple states under one policy.
- Eliminating Service and Policy Fees – If you are paying unnecessary fees, we work to remove them.
- Fast Certificate Issuance – We ensure you receive your insurance certificates quickly and efficiently.
- Reliable Communication – You will always have someone available to answer your questions and assist you when you need it.
Why Contractors Trust BGES Group
We understand that workers’ compensation insurance is more than just a policy—it’s a critical part of running your business successfully. Delays, mismanagement, and excessive costs can all impact your bottom line and your ability to secure new work. That’s why we are committed to providing expert guidance, superior customer service, and cost-saving solutions.
Unlike other insurance agencies, we don’t just process policies—we actively manage them to ensure they serve your best interests. Our clients know that when they work with us, they are getting a partner who is invested in their success.
Contact Us Today
If you are tired of dealing with overpriced policies, poor service, or confusing audits, we are here to help. Let us show you how BGES Group can make a difference in your workers’ compensation experience.
To get started, contact Gary Wallach today:
- Phone: 914-806-5853
- Email: bgesgroup@gmail.com
- Website: www.bgesgroup.com
Company Address: BGES Group 216A Larchmont Acres West Larchmont, NY 10538
Don’t let workers’ compensation headaches hold your business back. Call us today and let us find the right solution for you!