As Heat Waves Intensify, Protect Your Outdoor Workers

Fed-OSHA is getting closer to releasing proposed language for a heat illness prevention standard.

Text of the proposal, sent in mid-June to the White House’s Office of Information and Regulatory Affairs, hasn’t been made public.

As our summers get hotter and more parts of the country regularly battle sweltering heat waves, it’s imperative that employers take steps to protect their outdoor workers.

No part of the nation is immune from the ravages of extreme heat, and while it’s all relative, people who are not acclimated to high heat conditions can easily suffer heat illness, which can be deadly.

Between 2011 and 2021, there were 436 work-related deaths caused by environmental heat exposure, according to the Bureau of Labor Statistics. In 2022, there were 43 work-related fatalities, up from 36 in 2021, but down from 56 in 2020.

These statistics, the most recently available, do not account for the thousands of workers who suffer from heat illness that does not result in death.

Fed-OSHA in 2021 published an advance notice of proposed rulemaking for heat injury and illness prevention for both outdoor and indoor workers. While the proposed language has not yet been introduced, it likely will shortly be so after the White House office review.

It should be noted that OSHA previously said protection mandates would kick in any time the heat index reaches 80 degrees Fahrenheit.

The proposed standard will likely be similar to what the agency recommends on a section of its website dedicated to heat illness prevention, which contains a number of resources, including a manual for preparing a prevention plan, and training documents and information for workers. Here’s what it recommends.

Planning and training

To ensure an organized approach, you should start by putting a prevention plan together and designating someone in your organization to be in charge of it. They should be trained in heat hazards, heat illness symptoms and heat controls.

If possible, select or train multiple people in order to always have a designated heat safety representative on-site.

Workers should be trained on heat illness risks, symptoms and response procedures, as well as prevention methods. Train workers in a language and format they understand.

Acclimatization

Nearly three out of every four fatalities from heat illness occur in the first week of work.

Allow new or returning workers to gradually increase duration of exposure and take more frequent breaks during the first week of work as they build a tolerance to working in the heat.

Designate a shaded break area with water

Designate a shady or cool area for breaks and provide cool drinking water. Natural shade like under trees is best, but portable tents and shelters can be used in areas without natural shade. Break areas and water should be located near work areas so that they can be reached quickly.

Ensure clean drinking water is available and accessible and encourage workers to drink 1 liter per hour (about one cup every 15 to 20 minutes).

Modify work schedules

You can modify schedules to address heat risks, like:

  • Rescheduling non-essential outdoor or indoor work to days with a reduced heat index.
  • Shifting physically demanding work to cooler times of the day.
  • Rotating workers, adding extra workers, or splitting shifts to reduce exposure to heat and ease workloads.
  • Stopping work if needed due to heat risk.

Monitor for heat illness symptoms

Establish a monitoring system for the signs and symptoms of heat illness. Also train workers to

monitor each other. A buddy system can help supervisors watch for signs of heat illness.

Workers should dress for the heat

Workers should wear a hat outside and loose-fitting, breathable clothing where possible.

Emergency response procedures

Have an emergency plan in place for each worksite that includes:

  • What to do when someone is showing signs of heat illness.
  • How to contact emergency services.
  • How long it takes for emergency services to arrive.
  • Appropriate first aid measures until medical help arrives.

The symptoms of heat illness will intensify with time if actions are not taken to hydrate, rest and cool down. If not treated promptly, minor symptoms of heat illness could quickly lead to a life-or-death situation.

The following are signs of a medical emergency:

  • Abnormal thinking or behavior
  • Slurred speech
  • Seizures
  • Fainting
  • Heavy sweating or hot, dry skin.

If a worker is experiencing any of the above, you should:

  • Call 911 immediately.
  • Move them to a cooler area.
  • Provide cool water to drink.
  • Remove unnecessary clothing.
  • Cool with water, ice or a fan.
  • Not leave them alone.
  • Provide medical care until emergency responders arrive.

The takeaway

Heat illness is no joke. It’s deadly and can quickly spiral out of control. If you have outdoor workers and do not already have a heat illness prevention plan, you should create one immediately. The consequences are too great in our increasingly hotter summers.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Understanding New York Contractor Liability Insurance and the Impact of Labor Laws

Contractor liability insurance is essential for any business involved in construction, renovation, or similar trades. In New York, this type of insurance is particularly important due to stringent labor laws that increase the risk and potential costs associated with workplace accidents. Two critical statutes—Labor Law 240 and Labor Law 241—significantly influence contractor liability insurance rates in the state.

**Labor Law 240: The “Scaffold Law”**

Labor Law 240, commonly known as the Scaffold Law, mandates that contractors, property owners, and their agents ensure the safety of workers involved in elevation-related tasks. This includes activities such as working on scaffolds, ladders, roofs, and other high-risk areas. The law holds these parties strictly liable for any gravity-related injuries that occur due to a failure to provide proper safety measures.

For example, consider a scenario where a worker falls from a poorly secured scaffold. Under Labor Law 240, the contractor and property owner would be held liable for the worker’s injuries, regardless of whether the worker was partially at fault. This strict liability aspect means that even if the worker was negligent, the contractor could still be responsible for significant compensation.

**Labor Law 241: Ensuring Safe Worksites**

Labor Law 241 complements the Scaffold Law by setting forth detailed safety requirements for construction sites. This law covers various aspects of site safety, including adequate lighting, protective gear, proper signage, and secure passageways. Unlike the Scaffold Law, Labor Law 241 requires that a violation of specific safety regulations must be proven for liability to be established.

An example of a claim under Labor Law 241 could involve a worker injured due to inadequate lighting in a construction zone, leading to a trip and fall accident. If it can be demonstrated that the site did not comply with the specified lighting standards, the contractor and property owner would be liable for the injuries sustained by the worker.

**Impact on Contractor Liability Insurance Rates**

The strict liability imposed by these labor laws makes New York one of the most challenging states for contractors to operate in from an insurance perspective. Insurers often raise liability insurance premiums to account for the heightened risk of costly claims. Even a single claim under Labor Law 240 or 241 can result in substantial payouts, leading to higher insurance rates to cover these potential losses.

Contractors in New York must, therefore, secure comprehensive liability insurance to protect themselves against these significant financial risks. This coverage is not just a legal requirement but a critical safeguard for the business’s financial health.

**BGES Group: Your Partner in Securing the Right Coverage**

Navigating the complexities of contractor liability insurance in New York requires expertise and a deep understanding of the local regulatory landscape. The BGES Group specializes in providing tailored insurance solutions that meet the unique needs of contractors operating in this high-risk environment.

With a focus on competitive rates and comprehensive coverage, the BGES Group ensures that your business is protected against the substantial risks posed by Labor Laws 240 and 241. By partnering with the BGES Group, you can secure the insurance you need to operate with confidence and peace of mind.

For expert assistance in obtaining the right contractor liability insurance, contact Gary Wallach at the BGES Group. Reach out at 914-806-5853 to discuss your needs and get a competitive quote tailored to your business.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Workers comp insurance

New York Business Owners: Turn to BGES Group for Your Workers’ Compensation Policy Needs

As a business owner in New York, managing workers’ compensation insurance can be a significant challenge. High rates, constant audits, and unresponsive brokers can turn a necessary business expense into a frustrating ordeal. Fortunately, the BGES Group offers solutions to these common problems, making it easier for you to secure and maintain the workers’ compensation coverage you need.

1. High Rates

One of the most common issues business owners face is the burden of high workers’ compensation rates. The BGES Group has a very understanding of workers’ compensation rates and can negotiate competitive rates on your behalf, ensuring you don’t overpay for necessary coverage.

2. Coverage Being Canceled

Having your coverage canceled can be upsetting, leaving you anxious about having to find new coverage at affordable rates. BGES Group can help you find a new policy quickly, taking the worry away from you so you can focus on more important matters.

3. High Experience Modification Factor

A high experience modification factor (EMR) can make it difficult to get a new policy, result in high premiums and make it difficult to obtain new jobs if you are a contractor. BGES Group specializes in working with businesses to lower their EMR, making it easier to secure affordable insurance.

4. Poor Loss Experience

If your business had a run of bad luck with claims, it can impact your ability to obtain cost-effective coverage. BGES Group can assist in developing loss prevention strategies and finding insurers willing to work with companies looking to improve their safety records.

5. Invasive Audits

Workers’ compensation audits can be time-consuming and stressful. BGES Group helps clients prepare for audits and streamline the process, reducing the hassle and ensuring that your audits are accurate and painless. BGES Group has several programs that simplify the audit process and for some, they may not be required by the insurance company to conduct an audit every year.

6. Misclassified Payrolls

Incorrect payroll classifications can lead to overpayments on your premiums. BGES Group can review your payroll classifications to ensure they are accurate, potentially saving you significant amounts of money.

7. Missing Credits

You might be entitled to certain credits that you are not currently receiving. BGES Group can help make sure that all eligible credits are applied to your policy, reducing your overall premium costs.

8. Excessive Agency Fees

A new trend at agencies is to add on hundreds, thousand dollar plus policy or service fees. Some agencies charge $5,000 we have even seen over $10,000. BGES Group usually charges NO fees BUT offers much quicker, better service. Never be placed on hold when you call! It’s so easy to talk to us when you call!

9. Delayed Certificates

Waiting days for needed certificates can be quite frustrating. BGES Group prides itself on its responsiveness, providing certificates usually within minutes so you have one less issue to concern yourself with. We even issue certificates over the weekend. When you need help most, we are always available unlike most other agencies.

10. Unresponsive Brokers

An unresponsive broker can leave you feeling unsupported and frustrated. With BGES Group, you’ll have access to an attentive and dedicated professional. Gary Wallach is always available to address your concerns and provide the assistance you need.

Why Choose BGES Group?

BGES Group offers comprehensive solutions tailored to the unique challenges faced by New York business owners. Whether you’re dealing with high rates, canceled coverage, or simply need a more responsive broker, BGES Group is here to help. Their expertise and commitment to client satisfaction make them the ideal partner for managing your workers’ compensation insurance.

To explore how BGES Group can help you with your workers’ compensation policy, call Gary Wallach at 914-806-5863 or email bgesgroup@gmail.com today. Whatever your problem, BGES Group can provide the solutions you need to keep your business protected and running smoothly.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Contractors – Make Sure You Obtain The Following Documentation from Subcontractors Used

Before starting any project, New York contractors must ensure they have proper insurance documentation from their subcontractors. This is crucial to protect both parties and ensure smooth operations. Here’s a rundown of the essential documents contractors should collect:

1. **Certificates of Insurance (COIs)**: These certificates provide proof that subcontractors have the necessary insurance coverage. The COIs should clearly state the subcontractors’ liability limits.

2. **Additional Insured Endorsement**: Make sure the subcontractor’s insurance policy lists the contractor as an additional insured. This means the contractor is protected under the subcontractor’s insurance policy.

3. **Primary and Non-Contributory Coverage**: The subcontractor’s liability policy should be primary and non-contributory. This means their insurance will be the first to cover any claims, without expecting contribution from the contractor’s policy.

4. **Waiver of Subrogation**: This clause prevents the subcontractor’s insurance company from seeking reimbursement from the contractor for claims paid out.

5. **Contractual Liability**: Ensure that the subcontractor’s policy includes coverage for any liabilities assumed under the contract.

6. **Insurance and Hold Harmless Agreement**: Contractors should have an agreement on file for each subcontractor. This agreement states that the subcontractor will hold the contractor harmless for any incidents arising from the subcontractor’s work.

It’s important to note that many New York contractor liability policies require subcontractors to carry specific minimum coverages. If these requirements are not met, the contractor’s policy may not cover claims arising from the subcontractor’s negligence.

For assistance with construction insurance needs, New York contractors can turn to the BGES Group. Specializing in insuring New York contractors, BGES Group offers expert guidance and support. Contact Gary Wallach at 914-806-5853 for help or to obtain a sample insurance or hold harmless agreement for subcontractors.

Understanding Builders Risk Insurance for Contractors

Builders risk insurance is a vital component for contractors involved in construction projects. This type of insurance provides coverage for buildings and structures under construction, ensuring that contractors are protected against various risks and uncertainties that can occur during the building process.

**How Builders Risk Insurance Works**

Builders risk insurance typically covers damages to the construction site caused by events such as fire, wind, theft, vandalism, and certain types of natural disasters. This insurance is usually purchased before construction begins and remains in effect until the project is completed and handed over to the owner.

**Essential Coverages Needed**

When considering builders risk insurance, contractors should ensure their policy includes the following coverages:

1. **Property Coverage**: Protects the structure and materials on site from physical loss or damage.

2. **Equipment and Tools Coverage**: Covers the cost of replacing or repairing construction equipment and tools if they are stolen or damaged.

3. **Soft Costs Coverage**: Includes expenses such as architectural fees, legal fees, and interest on construction loans that arise from a delay in project completion due to a covered loss.

4. **Business Income and Extra Expense**: Reimburses lost income and additional expenses incurred to keep the project on schedule after a covered loss.

5. **Debris Removal**: Covers the cost of removing debris after a covered event.

**Getting the Best Pricing**

To secure the best pricing on builders risk insurance, contractors should:

1. **Shop Around**: Compare quotes from multiple insurance providers to find the most competitive rates.

2. **Bundle Policies**: Consider bundling builders risk insurance with other policies, such as general liability or commercial auto insurance, to receive discounts.

3. **Risk Mitigation**: Implement strong safety measures and risk management practices on-site to potentially qualify for lower premiums.

4. **Accurate Valuation**: Ensure that the coverage amount accurately reflects the total value of the project, including materials, labor, and soft costs, to avoid overpaying for insurance.

**BGES Group: Your Partner in Construction Insurance**

For contractors in the Tri-State area seeking reliable builders risk insurance, the BGES Group stands out as a premier specialist in construction insurance. With extensive experience and a deep understanding of the unique challenges faced by contractors, BGES Group can help you obtain the necessary coverage to protect your projects.

BGES Group offers personalized service, tailoring insurance solutions to fit the specific needs of your construction business. Their expertise ensures that you get comprehensive coverage at competitive rates, safeguarding your projects from unforeseen risks and financial losses.

By partnering with BGES Group, you can focus on what you do best—building and completing successful projects—while they handle your insurance needs with professionalism and efficiency. Reach out to BGES Group today to explore your builders risk insurance options and secure the best coverage for your next construction project.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Contractors – What Mistakes to Avoid When Buying Workers’ Compensation Insurance

When buying workers’ compensation insurance as a contractor in New York, it’s crucial to avoid common mistakes to ensure compliance, adequate coverage, and cost-effectiveness. Here are key pitfalls to avoid:

1. **Underestimating Payroll**:

  – **Issue**: Underreporting payroll to lower premiums can lead to audits and significant retroactive charges.

  – **Solution**: Accurately estimate payroll, including all wages, bonuses, and benefits.

2. **Misclassifying Employees**:

  – **Issue**: Misclassifying employees as independent contractors or using incorrect job classifications to reduce premiums can result in penalties.

  – **Solution**: Properly classify all workers according to their actual job functions and roles.

3. **Neglecting Safety Programs**:

  – **Issue**: Ignoring workplace safety can increase the frequency of claims, leading to higher premiums.

  – **Solution**: Implement robust safety programs and training to reduce workplace injuries and claims.

4. **Overlooking Experience Modification Rate (EMR)**:

  – **Issue**: Failing to manage your EMR, which reflects your company’s claim history, can result in higher premiums.

  – **Solution**: Focus on minimizing claims and improving safety to lower your EMR over time.

5. **Ignoring State Requirements**:

  – **Issue**: Non-compliance with New York State Workers’ Compensation Board regulations can lead to fines and business shutdowns.

  – **Solution**: Stay informed about state requirements and ensure your coverage meets all legal mandates.

6. **Choosing the Wrong Insurance Provider**:

  – **Issue**: Selecting an insurer based solely on price without considering their reliability, customer service, or claims handling.

  – **Solution**: Research and choose a reputable insurance provider with a good track record in workers’ compensation.

7. **Not Reviewing Policies Annually**:

  – **Issue**: Failing to review and update your policy annually can result in inadequate coverage or missed opportunities for premium savings.

  – **Solution**: Conduct an annual review of your policy with your insurance agent to adjust coverage as needed.

8. **Ignoring Subcontractor Coverage**:

  – **Issue**: Assuming subcontractors are covered by their own insurance can leave you liable for their injuries if they are not adequately insured.

  – **Solution**: Verify that all subcontractors have valid workers’ compensation coverage and obtain certificates of insurance.

9. **Failing to Educate Employees**:

  – **Issue**: Employees unaware of workers’ compensation procedures can lead to delayed or mishandled claims.

  – **Solution**: Educate employees on how to report injuries and the benefits provided by workers’ compensation.

10. **Not Using a Broker**:

    – **Issue**: Navigating the complexities of workers’ compensation insurance alone can result in missed savings or coverage gaps.

    – **Solution**: Use an experienced insurance broker who specializes in workers’ compensation to help find the best policy for your needs.

By avoiding these mistakes, New York contractors can secure the right workers’ compensation insurance, ensuring legal compliance and protection for their business and employees.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

Essential Insurance Coverages for New York Contractors

Navigating the landscape of insurance can be a complex and daunting task, especially for contractors in New York, where stringent regulations and unique risks are part of the daily work environment. Ensuring you have the right coverage is not just a legal necessity but also a critical component of your business’s long-term success and stability. Here’s a comprehensive guide on the essential insurance coverages every New York contractor needs to be properly insured.

General Liability Insurance

General Liability Insurance is fundamental for any contractor. This coverage protects your business from third-party claims involving bodily injury, property damage, and personal injury. For example, if a client slips and falls on your job site or if you accidentally damage a client’s property, general liability insurance will cover the legal fees, medical expenses, and damages. This type of insurance is not only essential for protecting your business but is often a requirement for many contracts and licensing agreements.

Workers’ Compensation Insurance

Workers’ Compensation Insurance is mandatory for all employers in New York. This insurance provides medical benefits and wage replacement to employees injured in the course of employment. In the construction industry, where physical labor and the use of heavy machinery are commonplace, the risk of workplace injuries is significantly higher. Workers’ compensation insurance ensures that injured employees receive the care they need without the financial burden falling on the employer.

Commercial Auto Insurance

If your business involves the use of vehicles, Commercial Auto Insurance is crucial. This policy covers damages and liabilities resulting from vehicle accidents involving your company’s vehicles. It includes coverage for bodily injury, property damage, and medical payments. Whether you own a fleet of trucks or just a single van, commercial auto insurance protects your business from the financial fallout of auto accidents.

Umbrella Insurance

Umbrella Insurance provides an additional layer of liability coverage above and beyond the limits of your other liability policies, such as general liability, commercial auto, and employer’s liability insurance. In the event of a catastrophic loss where claims exceed the limits of your primary policies, an umbrella policy kicks in to cover the additional costs. This is particularly important in the construction industry, where high-value projects and significant risks can lead to substantial claims.

Professional Liability Insurance

Also known as Errors and Omissions Insurance, Professional Liability Insurance is designed to protect your business against claims of negligence, errors, or omissions in the professional services you provide. For contractors who offer design-build services or other professional advice, this coverage is essential. It protects against claims that your professional services caused financial loss to a client.

Builder’s Risk Insurance

Builder’s Risk Insurance, also known as Course of Construction Insurance, covers buildings under construction. This policy protects against damage to the building and materials caused by fire, vandalism, weather events, and other risks. Builder’s risk insurance is crucial for any construction project as it safeguards the investment in materials and labor up to the completion of the project.

Surety Bonds

Surety Bonds are not insurance policies, but they are a crucial part of a contractor’s risk management portfolio. A surety bond guarantees that the contractor will fulfill their contractual obligations. If the contractor fails to do so, the surety company will compensate the project owner. There are various types of surety bonds, including bid bonds, performance bonds, and payment bonds, each serving a different purpose within the construction process.

The BGES Group: Your Partner in Construction Insurance

Finding the right insurance coverage can be overwhelming, but with the BGES Group, New York contractors have a reliable partner specializing in construction insurance. The BGES Group understands the unique challenges and risks faced by contractors and offers tailored insurance solutions to meet those needs.

Unlike many large insurance agencies that operate like impersonal, corporate factories with high employee turnover, the BGES Group prides itself on providing personalized, “mom-and-pop” service. When you choose BGES, you will have the same dedicated person servicing your account, someone who knows your business intimately and is easily reachable by phone whenever you call. This continuity and accessibility ensure that you receive the best possible service and advice tailored to your specific circumstances.

Moreover, while many other agencies are known for charging exorbitant fees for policies and renewals, BGES Group takes a different approach. They offer superior service without the ridiculous excess fees that can burden your business. This commitment to fairness and transparency sets them apart in the industry, ensuring you get the coverage you need at a price that makes sense for your budget.

Get in Touch

Protecting your construction business with the right insurance coverage is vital for your peace of mind and financial security. The BGES Group is here to help you navigate the complexities of construction insurance and secure the best policies at excellent pricing.

To speak with a specialist who understands your needs, call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. With BGES Group, you’ll have a trusted partner by your side, ensuring your business is always protected.

Excavation Contractors – What Your Liability Policies Need to Cover

In the world of construction, where risks lurk at every dig and turn, Commercial General Liability insurance for excavation contractors emerges as a beacon of security. This specialized insurance not only shields your business from unforeseen underground surprises but also solidifies your standing in the competitive contracting arena.

What does Commercial General Liability insurance have to cover for an Excavation Contractor?

Commercial General Liability insurance for an excavation contractor is specifically designed to cover the unique risks associated with moving earth. Whether your project involves digging for a new foundation, installing pipes, or any other activity that requires disturbing the ground, unexpected obstacles and accidents can occur. From striking a hidden pipe to encountering contaminated soil, the financial repercussions can be significant. Liability insurance provides a critical safety net, ensuring that your contracting business is protected against these unforeseen expenses.

Mitigating Risks with Comprehensive Coverage

The act of excavation carries inherent risks that can lead to substantial financial losses if not properly managed. The right liability insurance mitigates these risks by covering damage to underground utilities, pollution liability from unearthed contaminants, and even site restoration costs. By providing a wide range of protections, this insurance ensures that your business can recover quickly from setbacks, without derailing your projects or draining your resources.

Furthermore, the landscape of excavation work is ever-changing, prompting the need for adaptable insurance coverage that can match these dynamics. Policies tailored to the specific demands and risks of your projects are not just beneficial; they’re necessary for maintaining fluid operations and safeguarding your bottom line.

Financial Stability in the Face of Uncertainty

One of the most compelling arguments for securing liability insurance is the financial stability it provides. This coverage can shield your business from crippling legal fees, repair costs, and even claims made by third parties. In the absence of such insurance, these unexpected expenses could easily bankrupt a small business or significantly impact the financial standings of larger firms.

Enhanced Credibility with Clients and Partners

Having a solid excavation liability insurance policy does more than just protect your business financially; it also elevates your status in the eyes of clients and partners. When clients know you’re insured, they see a responsible operator that takes both their business and risk management seriously. This level of professionalism can lead to more contracts and stronger partnerships, building a foundation of trust that is indispensable in the construction industry.

Moreover, in many cases, clients and regulatory bodies require proof of adequate insurance before allowing any ground-breaking work to commence. In this sense, excavation liability insurance is not just a safeguard; it’s an entry ticket to larger, more lucrative projects.

Establishing a robust foundation for your contracting business in today’s unpredictable environment necessitates the protective embrace of excavation liability insurance. With it, you can navigate the complexities of underground work with confidence, knowing your enterprise is safeguarded against the myriad of risks that lie beneath the surface.

BGES Group, located inLarchmont,N.Y.are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs! We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health. We are extremely responsive, responsible, trustworthy, and fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text, or email, whatever time of day, even weekends, we are there to help YOU!  

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, payrolls misclassified, or whatever your issue, we can help! We have special programs for Auto Services, Contractors (especially inNew York), Limousine Services, Logistic 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 would like to speak with us call Gary Wallach at 914-806-5853 or click here to email or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West,Larchmont,NY10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

How Business Owners Can Get Back Overpayments Up To Several Hundred Thousand from Their Past Workers’ Compensation Insurance Companies

In the competitive landscape of New York’s construction industry, managing costs is a critical component of sustaining profitability and growth. Among the myriad expenses contractors face, workers’ compensation insurance premiums often represent a significant financial burden. However, many contractors might be unaware that they could be overpaying these premiums, sometimes to the tune of tens of thousands of dollars. Enter the BGES Group, a premier firm specializing in workers’ compensation premium recovery analysis, which offers a lifeline to contractors seeking to reclaim overpaid funds and optimize their insurance expenditure.

#### Understanding Workers’ Compensation Insurance

Workers’ compensation insurance is mandatory for employers in New York and provides coverage for employees who suffer work-related injuries or illnesses. The premiums for this insurance are calculated based on several factors, including payroll size, the nature of the work performed, and the company’s claims history. Given the complexity of these calculations and the frequent changes in regulations, errors in premium calculation are not uncommon.

#### Common Premium Calculation Errors

Errors in workers’ compensation premium calculations can stem from various sources:

1. **Misclassification of Employees:** Employees are often categorized into different classes based on their job duties, with each class carrying a different risk level and corresponding premium rate. Misclassifying employees into higher-risk categories can lead to significant overcharges.

2. **Experience Modification Rate (EMR) Errors:** The EMR adjusts premiums based on a company’s claims history compared to the industry average. Inaccuracies in the EMR calculation, often due to incorrect or incomplete claim data, can unfairly inflate premiums.

3. **Incorrect Payroll Reporting:** Overstating payroll amounts or not correctly segregating overtime pay can also result in higher premiums.

4. **Audit Discrepancies:** Annual audits by insurance companies can sometimes include errors or misinterpretations that lead to excessive charges.

#### The Role of BGES Group

The BGES Group specializes in identifying and rectifying these errors, ensuring that New York contractors are not overpaying their workers’ compensation insurance. Here’s how they help:

##### 1. **Comprehensive Audit and Analysis**

The BGES Group conducts a thorough review of a contractor’s workers’ compensation policies, classifications, payroll records, and claim histories. Their team of experts meticulously examines every detail to identify discrepancies and potential overcharges. This comprehensive audit includes:

– **Policy Review:** Scrutinizing past and current policies to ensure proper classification and rate application.

– **Payroll Analysis:** Verifying the accuracy of payroll data and its application in premium calculations.

– **Claims History Review:** Ensuring that all claims are correctly reported and accurately reflected in the EMR.

##### 2. **Experience Modification Rate (EMR) Optimization**

A significant part of premium calculations, the EMR, can be complex and prone to errors. The BGES Group analyzes the data used to compute the EMR, identifying mistakes and advising on steps to correct them. They work to ensure that the EMR accurately reflects the contractor’s actual claims experience, potentially lowering the premium.

##### 3. **Employee Classification Review**

Misclassification of workers can lead to higher premiums. The BGES Group reviews job classifications and ensures that employees are correctly categorized. If misclassifications are found, they work with the insurance company to reclassify employees appropriately, often resulting in substantial premium reductions.

##### 4. **Audit Representation and Dispute Resolution**

When discrepancies are found during an insurance company’s audit, the BGES Group represents the contractor in disputes. They provide the necessary documentation and expertise to challenge incorrect charges, ensuring that contractors are not unfairly penalized.

##### 5. **Ongoing Monitoring and Compliance**

Beyond the initial recovery, the BGES Group offers ongoing support to ensure that contractors remain compliant and avoid future overcharges. They provide regular reviews and updates, adapting to changes in regulations and market conditions to maintain optimal premium rates.

#### Why Choose BGES Group?

Several factors set the BGES Group apart in the field of workers’ compensation premium recovery:

– **Expertise and Experience:** With years of experience and a deep understanding of the insurance industry, BGES Group brings unparalleled expertise to the table.

– **Client-Centric Approach:** BGES Group prioritizes client needs, offering personalized services tailored to each contractor’s unique situation.

– **Proven Track Record:** A history of successful recoveries and satisfied clients underscores the efficacy of their methods.

– **Comprehensive Services:** From initial audit to ongoing support, BGES Group provides end-to-end solutions ensuring long-term benefits for contractors.

#### Conclusion

For New York contractors grappling with high workers’ compensation insurance costs, the BGES Group offers a beacon of hope. Their meticulous approach to workers’ compensation premium recovery analysis not only identifies and rectifies costly errors but also empowers contractors to optimize their insurance spending. By recovering overpaid premiums and ensuring accurate future payments, BGES Group helps contractors redirect valuable resources towards growth and development. In an industry where every dollar counts, partnering with BGES Group could be the key to unlocking significant financial relief and enhancing overall operational efficiency.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group

The Hidden Construction Industry Threat

As construction firms rely more on technology to manage projects, a new risk is emerging for the industry: the cyber intrusion threat.

Much new construction machinery is computerized, and most design, engineering, and construction firms are using some form of cloud computing. They are also increasingly using electronic platforms to manage projects, which are ripe for cyberattacks:

  • Multi-user platforms allow contractors, designers, and project owners to share data simultaneously.                                                                                                                                                                                                                                                 
  • Technology-driven applications include integrated project delivery, building information modeling, estimating, and scheduling programs.

While these tools create efficiencies, the risk of intrusion increases when multiple parties have access to the project data. And if that data is compromised, it could force a halt in construction while you determine the extent of the breach.                                                            

Data at risk of exposure includes:

  • Sensitive client data
  • Confidential project information
  • Proprietary data
  • Subcontractor data or financials
  • Employee data, including personally identifiable information.

The dangers                                                                                                                                      

If cyber criminals gain access to construction data, they could:                 

  • Seriously disrupt a project by destroying data servers and infrastructure or threatening people’s safety on-site.                                                                          
  • Infiltrate an owner’s design and security systems.                                                   
  • Get their hands on your intellectual property or data that gives you a competitive edge.
  • Use weaknesses in your system to infiltrate project partners’ and vendors’ IT networks.

Identifying weaknesses

It would help if you asked yourself these questions to identify deficiencies:

  • Is your network secure, and are you confident it’s protecting your data?
  • How much data do you have, and where is it stored?
  • Do you encrypt your data on your or your employee’s mobile devices and laptops?
  • Do outside vendors have access to sensitive information? Perform due diligence assessments before granting them access.
  • Are you taking precautions to ensure that third parties are granted access on a need-to-know basis only?
  • Do you have policies and safeguards to ensure shared information is not disseminated elsewhere?
  • Are you training your staff in cyber security and malicious e-mails?

Cyber insurance

Most commercial insurance policies will not cover damages caused by data breaches, but cyber insurance will. Depending on the policy, it can cover losses from various cyber and electronic issues, including:                                                                                                             

  • Unauthorized access.
  • Business interruption.
  • Network damage by a virus, malware, or human error.
  • Any state-mandated notification costs if personally identifiable information was exposed.
  • Costs of regulatory penalties and compliance costs.
  • Third-party security and privacy liability arises from the failure to protect confidential corporate information, including personally identifiable information.
  • Costs associated with impaired access or denial-of-service attacks.
  • IT forensics and expenses.
  • Crisis management and public relations expenses.
  • Loss of business income due to network interruptions.
  • Cost of recovering systems and data.
  • Cyber extortion loss.

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 would like to speak with us, call Gary Wallach at 914-806-5853, click here to email, or click here to visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2024 – BGES Group