If you’re a business owner in the Tri-State area and struggling with your workers’ compensation coverage, you’re not alone. Many companies face challenges such as high premiums, complicated audits, or even non-renewals due to claims history. The good news? BGES Group specializes in providing tailored workers’ compensation plans that fit your business needs—no matter your industry or risk level.
We offer multiple solutions, from guaranteed cost plans to specialized programs for high-risk contractors. Whether you’re a small business looking for an affordable start or a large company needing stability, we have a plan for you. Let’s explore the options:
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1. Guaranteed Cost Workers’ Compensation Plan
For small to mid-sized businesses looking for a flexible and affordable way to maintain workers’ compensation insurance, this plan is a great option. Here’s how it works:
• Start your policy with as little as $200 down.
• Each month, go online, report your past month’s payroll, and pay accordingly.
• No surprises—your premiums are predictable and based on actual payroll.
This plan is ideal for businesses that prefer straightforward budgeting and an easy payment structure. There’s no large upfront deposit, making it an excellent choice for businesses managing cash flow carefully.
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2. Payroll Workers’ Compensation Plan
This plan is designed for established businesses with at least three years in operation and an annual payroll of $100,000 or more. The biggest advantage? You own your own insurance company, giving you greater control over coverage, rates, and risk management.
Why Choose This Plan?
• Higher-risk contractors such as roofers or demolition companies can secure coverage.
• Simplified audits reduce administrative headaches.
• Stable coverage—no sudden premium hikes or unexpected cancellations.
• Competitive rates that help keep insurance costs manageable.
• Instant certificates—get them in minutes or generate your own online.
If you’ve been frustrated with expensive policies, aggressive audits, or coverage denials, this plan could be the game-changer your business needs.
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3. Professional Employer Organization (PEO) Workers’ Compensation Plan
Have you had gaps in coverage or suffered a bad run of losses? Many traditional insurance companies will decline businesses with poor claims history. Our PEO plan can help you get back on track.
Key Benefits of a PEO Plan:
• Coverage stability—avoid being dropped due to losses.
• Competitive rates that help you control costs.
• HR support—back-office assistance for managing employees, payroll, and compliance.
• Group health insurance—some of our plans allow you to bundle health benefits with your workers’ compensation.
This option is perfect for businesses looking for a comprehensive solution that includes HR support while securing workers’ compensation coverage without the hassle of high-risk penalties.
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4. State or Assigned Risk Workers’ Compensation Plan
Some businesses—especially high-risk contractors—struggle to find coverage through traditional providers. Whether you have coverage gaps, bad losses, or operate in a hazardous industry, we can help.
Who Is This Plan For?
• Contractors with coverage gaps due to past non-renewals.
• Businesses with poor claims history that need a second chance.
• High-risk industries, including asbestos removal, roofing, and demolition.
With access to state-assigned risk programs, BGES Group can secure a workers’ compensation policy for nearly any type of business, ensuring compliance with state laws and protecting your workers.
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Why Choose BGES Group?
At BGES Group, we specialize in workers’ compensation coverage for businesses in the Tri-State area. Whether you’re a contractor, small business owner, or high-risk employer, we offer tailored solutions to keep your business protected and compliant.
What We Offer:
✔ Multiple workers’ compensation insurance options to fit your needs.
✔ Flexible payment plans that make coverage affordable.
✔ Coverage for high-risk contractors—even if you’ve been denied elsewhere.
✔ Instant certificates—no waiting for days to get the documents you need.
✔ Exceptional customer service—we make the process smooth and hassle-free.
If you’re tired of overpriced premiums, frustrating audits, or coverage uncertainties, let’s talk. We’ll find the best plan for your business—one that offers stability, affordability, and the protection your workers need.
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Contact BGES Group Today
Let’s find the right workers’ compensation plan for your business. Call or email us today to discuss your options.
📞 Gary Wallach: 914-806-5853
🌐 www.bgesgroup.com
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If you’re a business owner looking for workers’ compensation insurance, don’t settle for a policy that doesn’t work for you. BGES Group has the solutions you need to keep your employees safe and your business running smoothly. Reach out today!