If you’re a business owner in New York, New Jersey, or Connecticut, you’re well aware of the importance of having the right workers’ compensation insurance in place. Whether you’re a contractor, manufacturer, or service provider, ensuring that your employees are covered in the event of a work-related injury is not just a legal obligation—it’s a smart business move. Workers’ compensation not only protects your employees but also shields your business from costly lawsuits and penalties.
Navigating the complex landscape of workers’ compensation insurance can be overwhelming, especially when each industry comes with its own unique risks and requirements. That’s why it’s critical to choose a policy that suits your specific business needs. Many business owners make the mistake of settling for a one-size-fits-all solution, only to find that it leaves them vulnerable in the long run.
Fortunately, there are specialized workers’ compensation programs available for businesses in high-risk industries like construction, roofing, manufacturing, moving and storage, and auto services. These programs offer tailored solutions that provide better protection while keeping costs manageable.
Here are Problems We Can Help You With:
- Lowering your rates.
- Your policy is being canceled or non-renewed due to poor loss experience.
- You are unhappy with the people servicing your account. They are robot-like people who can’t think out of the box.
- You’re with a company that uses a composite rate for taxes and payroll service fees, and you have no idea what you are paying.
- You have a high experience modification factor and it is causing problems getting new jobs.
- You are with a Professional Employer Program (PEO) and can’t get needed reports; payrolls are not delivered on time, and you have to wait 10 – 30+ minutes before you get someone on the phone. You have no one representative to deal with.
- Audits are such a hassle for the company. It feels like you are going through an interrogation. We have programs that do not do annual audits or if they do they request minimal paperwork.
- You are in a state or assigned risk program but work in multiple states. BUYER BEWARE! You can be exposed to a sizeable uncovered loss.
- You have to wait hours and days for insurance certificates.
- Your insurance broker is never around when you need them. They never answer their phone. They are always away from their desk, in meetings, or out to lunch; it takes days to hear back from them.
- The insurance agency you deal with offers limited choices. The customer service representatives are inexperienced and usually don’t think outside the box.
Here’s what we can offer you:
- You will deal with one person who has 44 years of experience.
- This person is a great problem solver who can think creatively.
- This person is an encyclopedia of knowledge.
- This person knows the ins and outs of the system.
- They have connections and can get the job done for you.
- They are street fighters yet know how to talk to people.
- They will always be there when you have an issue.
- You can trust this person because he always does what he says he will do.
BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey, and Connecticut – Issues we address:
- Lowering pricing – our specialty programs can save you up to 30%+.
- Finding a new company.
- Replacing policies that are being canceled or non-renewed.
- Audit disputes.
- Company creating fictitious payroll at audit time.
- Lowering high experience modification factors.
- Misclassification of payrolls.
- Lowering or eliminating renewal deposits.
- Getting coverage when you’ve been without for a few months.
- Covering multiple states under one policy.
- Eliminating 10% service or policy fees.
- Timely issuance of certificates.
- Always be able to get someone on the phone or by email when you need to.
BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health. Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.
BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help! We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.
If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.
Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538
email: bgesgroup@gmail.com
website: http://www.bgesgroup.com
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