Mold is a serious problem in a number of older homes, apartment buildings and commercial buildings.

It’s often caused by poor maintenance and unchecked water leaks that over time create conditions that are ripe for the growth of the fungus.

The problem is that this mold can aggravate tenants’ allergies, and there are plenty of cases where they sue landlords over being sickened by mold. And juries round the country have awarded large settlements (sometimes in the millions of dollars) to tenants after they claimed they were sickened by mold in their homes, apartments or offices.

Worse, it’s difficult to make a claim on your landlord’s policy if you are sued by a tenant over mold issues, as many of the policies exclude pollution.

Fortunately, there are steps a landlord can take to reduce the chances of being sued by a tenant for mold issues.

While most states do not have mold-specific laws, they do have negligence laws. And most often, mold growth is the direct result of poor maintenance or just pure negligence as some landlords may detect a leak and not bother fixing it. Leaking water and moist conditions are the breeding ground for mold.

In order for a landlord to be considered negligent in a premises liability lawsuit, they must be aware that the problem exists or should have been aware that the problem existed.

When the issue is toxic mold exposure, it’s easy for a landlord to be held liable for having allowed a toxic environment to fester.

Steps you can take to avoid being sued

You can take steps to reduce the chances of being sued by a tenant. It may take some extra time and upfront expense, but it will be worth it if you can avoid being targeted with litigation.

Require tenants to immediately notify you about water damage, broken dehumidifiers, condensation or related problems — In your lease you should require that your tenants notify you about a leak or other water issue that they become aware of. This will allow you to remediate the problem once they call and also provide you with a strong defense if they later try to sue, claiming you are liable for damages.

Some sample language that you can include in the lease could include advising tenants to keep their dwellings clean, remove visible moisture on windows, walls, ceilings, floors and other surfaces as soon as possible, and notify landlords — in writing — about any signs of water leaks, water infiltration or mold.

Require tenants to carry renter’s insurance — Your insurance will cover the structure itself, but renter’s insurance will cover any mold damage to your tenants’ property and belongings.

Stay to a strict maintenance schedule — You should schedule times with your tenants so you can regularly inspect for leaks in pipes, windows and roofs, as well as water staining, and moisture and condensation (including in the HVAC system). Leaks are usually where mold starts.

During inspections, besides looking for those obvious issues, you should look out for mildewy, musty odors, and look for mold and fungus. If you find any issues, remediate them promptly.

Respond quickly when a tenant complains — Proactive landlords that fix problems their tenants raise, have a much less chance of being sued. Therefore, if one of your tenants reports a mold or moisture problem, you should immediately have the property inspected by a professional.

If they detect any mold, mildew and/or leaks that may be causing it, you should hire professionals to remove the mold and repair any problems that were causing the growth in the first place.

Make sure to document any inspections you conduct, as well as any repairs, cleanup and remediation.

Finally, you should make sure to follow up with your tenants to make sure the problem hasn’t recurred. A good idea is to check with them a week later, a month later and then six months later. But before that six-month mark, you may want to have the property reinspected for mold.

Insurance

The typical landlord’s insurance policy covers:

Property damage — From fire or other natural catastrophe.

Lost rental income/rental default — Should something cause your property to be uninhabitable (severe mold, termites, a rat infestation or a sinkhole), this provides temporary rental reimbursement to cover the income you’d otherwise receive if tenants could be occupying the property. It also covers lost income from a tenant’s rental default.

Liability — This is coverage for the medical or legal costs that might ensue if the tenant or a visitor suffers injury due to a property maintenance issue.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

Employers with 10 or more employees must post their completed OSHA Form 300A by Feb. 1 and keep it posted in their workplace until April 30.

The form must be posted where the company usually posts other employee notices, like minimum wage and workplace safety notices. Form 300A summarizes the total number of fatalities, missed workdays, job transfers or restrictions, and injuries and illnesses as recorded on Form 300.

The penalty for OSHA posting violations is $13,260.

The Summary (Form 300A) requires the following information from the Form 300 Log:

• The total number of non-first-aid occupational injury and illness cases.
• The total number of cases with days away from work and cases with job transfer or restriction and total number of other recordable cases.
• The cumulative total number of days from all injuries or illnesses, including days away from work and job transfer restrictions.
• The number of occupational injury/illness cases, including skin disorders, respiratory conditions, poisoning, hearing loss and all other illnesses.

Despite the form being relatively simple, many employers make mistakes filling it out. Here are the most common mistakes:

Keeping one log for multiple locations — Employers are required to keep one OSHA 300 Log per location where they have employees and that is in operation for a year or longer. The corresponding 300A form must also be posted at each location.

Improperly certifying the log — Under regulations, a company executive must certify the 300 Log and the 300A Annual Summary Form. An executive is defined as:

• An owner of the company,
• An officer of the corporation,
• The highest-ranking company official working at the location, or
• The immediate supervisor of the highest-ranking company official working at the location.

Listing all workers’ compensation cases — Only the injuries listed under the regulations must be included in the log. But deciphering OSHA’s recordkeeping rules to determine if an employee’s injury or illness is recordable is challenging.

The requirements and definitions differ significantly from those established under state workers’ compensation laws and, while there may be some overlap, some cases may be one and not the other.

It is important to only record and report those injuries that are required under the regulation, which requires that an employer must record a work-related injury or illness if it results in one or more of the following:

• Death
• Days away from work
• Restricted work
• Transfer to another job
• Medical treatment beyond first aid
• Loss of consciousness
• Diagnosis by a physician or health care professional of a significant injury or illness.

Failing to record temp worker injuries — Regulations require that company employees and contract labor or temp worker injuries must be included in the OSHA 300 and OSHA 300A logs. The key is that the company must be in direct supervision of those workers.

Failing to post the form when there were no recordable injuries or illnesses — This is one of the most common mistakes that employers make. They think since they had no workplace injuries that the form does not need to be posted. That would be incorrect.

The COVID-19 conundrum

Under federal OSHA guidance, a COVID-19 case should generally be confirmed through testing to be recordable.

It can be determined that the case is work-related if the person who tested positive had worked near other employees who also were infected by the coronavirus.

If there is not a known exposure that would trigger the presumption of work-relatedness, the employer must evaluate the employee’s work duties and environment to determine the likelihood that the employee was exposed during the course of their employment.

Current regulations require covered employers to record COVID-19 cases on their OSHA 300 Log if the case is a confirmed case of COVID-19, according to Centers for Disease Control guidelines. A confirmed case:

• Must be work-related, and
• The illness must result in days away from work, restricted work, medical treatment or death.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

Tip #1 – Paying through the nose for your group health insurance?  Have a high deductible?  Worry everytime you go to a doctor whether your bills will get paid and how much out of pocket it’s going to cost you?  Unhappy with your provider network?  There may be another way to “Skin This Cat” for you.  Call 914-806-5853 and find out.

Tip #2 – How many of you are paying through the nose for “Labor Law” coverage?  How many can’t afford it?  We work with a brilliant associate who can help you navigate this issue, show you “Tricks of The Trade” and maybe just maybe figure out a way to save you a ton of money so that you can stay in business.  Call 914-806-5853 for help.

Tip #3 – How many of you work within the New York City boroughs?  How many pay hundreds of thousands for JUST their General & Umbrella Liability Policies?  How many have their policies through “Surplus Line Carriers?”  How many have a complete understanding of their policy exclusions, restrictions and warranties?  How many are looking for better coverage and/or lower rates?

We can offer YOU amazing relief by qualifying for one of our “Preferred Programs.” 

Please note we offer “ALL THE BEST PROGRAMS FOR NEW YORK CONTRACTORS AND WE ARE ONE OF NEW YORK’S LEADING CONSTRUCTION INSURANCE SPECIALISTS.”   Call 914-806-5853 for help!

Tip #4 – Use subcontractors?  Have a COMPREHENSIVE written subcontractor agreement that each sub signs?  Insurance companies have become VERY strict as to percentage of work you can sub out, type of work subs can do and insurance requirements they MUST carry.  Claims caused by their negligence can easily be denied so it is important subs be monitored correctly.

Question: Do you have a system in place to check subs are maintaining proper insurance?   If not we can show you how to do so.   Do you have a decent Subcontractor and Insurance Agreement you use?  If not we can email you one.  Request by clicking here.

Tip #5 – What kind of auto rates are you paying?  Are they exorbitant?  Most businesses that operate within New York City pay an “Arm and a Leg” for their Business Auto Policy.  A business owner came to us in February, was paying $15,000.  We went to our “Preferred Carrier” and reduced premium to $7,800.  Finding better rates is not an easy task but if we can do it for this client we can try to do the same for YOU!

Tip #6 – Had a run of bad luck causing your Workers Compensation loss runs to have hundreds of thousands of dollars on it?  Causing a problem obtaining affordable coverage or getting coverage at all?  Is your Experience Modification a debit of 1.25 or higher?  Is it causing you problems getting work?  Would you like to get rid of the impact debit mod has on your rates?  Would you like to get rates that are even lower than before the debit mod applied?  It is possible.

We recently did this for two contractors whose “EMRs” were both in excess of 1.30.  Their companies non-renewed them.  We worked “TWO MIRACLES!”   Be the next one!  Call 914-806-5853 for help.

That’s it for today.  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.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

As Construction Rebounds, Double Down on Safety

As the economy regains its footing, employment in the construction industry is surging as pent-up demand means that more homes are being built at a brisk pace. But this new growth in housing has come at a price for those working in the industry: a significant jump in construction workplace deaths and injuries.

In 2019, 1,061 construction workers died on the job, up 5% from 2018 and the sector’s highest number of worker deaths since 2007. A new report suggests that the trend will continue as human resources shortages force construction firms to promote relatively inexperienced workers into supervisory roles. This means construction firms have to double down on safety, and that starts with sound tailgate meetings and buy-in from management.

You can use this handy list of meeting topics to plan your tailgate meeting agenda for the year. This list is by no means exhaustive, but it does cover the major areas that you should refresh your workers on annually.

Workplace hazards — Hazard recognition is a skill that all workers need to stay safe on the worksite. This training should cover common types of hazards found in the construction industry, how to assess their severity and the different control methods employed to prevent incidents from occurring.

Managing worksite conditions and equipment – The dangers vary at each worksite depending on the job as well as the weather. As a result, hazards associated with housekeeping, slips, trips, falls and materials need to be recognized. Training should include general tool safety guidelines including rotating machinery, air, electric and power tools.

Fall protection — Falls are a serious hazard in all construction. This training should focus on basic fall protection equipment used in construction, worker and employer responsibilities for working at heights, and common fall protection inspection points.

Ladder and scaffold safety — Some of the most common tools used on construction sites today include ladders and scaffolds, which pose their own fall hazards. They can also be major sources of injuries due to falls and improper use. Training should focus on the types of ladders and scaffolds that will be used in a job, correct set-up, usage and contraction, along with a description of scaffold tags.

Defensive driving — Whether your employees are driving to work, from work, or operating a piece of equipment on the worksite, it is important to practice safe, defensive driving techniques. Your training should focus on state driving laws, defensive driving techniques and typical causes of motor vehicle accidents.

Powered mobile equipment — Powered mobile equipment is used for many purposes in the construction industry. It is important to operate and work safely near this equipment. Training should cover all of the powered mobile equipment you’ll have on the job, how to conduct a pre-job walk around of a machine and how to work safely around the various pieces of equipment.

Personal protective equipment — Although it is your last line of defense in the prevention of injury, personal protective equipment (PPE) is a regular part of the clothing worn on most construction jobs. Training should focus on the role of PPE on the job, basic PPE found in the construction industry, and when specialized PPE is necessary.

Excavating and trenching — Any excavation has the potential to harm workers who are not properly informed of the risks associated with digging and how to prevent dangerous incidents. Training should explain hazards, different soil types and their properties, and important safety precautions that should be part of all digging operations.

Personal physical care and conduct — Working in the construction industry requires substantial physical health and stamina. In this module, ways to care for your body to prevent injuries and the impacts of drugs and alcohol on your ability to work safely should be examined, as well as professional behavior and conduct on the worksite.

Hazard communications — The construction industry uses various chemicals and materials that could be harmful to your health if not handled correctly. Training should focus on the Globally Harmonized System of hazardous materials labeling and the function of Material Safety Data Sheets, so that employees know how to protect themselves from dangerous hazardous materials.

Environmental safety — Protecting the environment is everyone’s responsibility. Training should introduce workers to the typical types of pollutants found in the construction industry, what to do in case of an accidental release of hazardous materials and general transportation of dangerous goods requirements.

Emergency response — When an accident does occur, your employees, supervisors and managers should know your emergency response plan. Training should cover key response plan elements, how to access first aid on the worksite, and basic fire-fighting techniques.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

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.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

It’s always an unwelcome surprise when an employer finds out that a workplace incident aggravated a pre-existing injury that one of your workers sustained at a prior job.

Fortunately, there are steps you can take if you don’t want to inherit a claim that someone incurred at another employer, or an injury that they may risk aggravating while working for you.

Here are five ways to reduce the chances of incurring such claims to begin with:

Pre-work screenings

Pre-work screenings can weed out applicants who physically cannot perform a job. You can subject them to a test to gauge their ability to perform specific physical demands of the job for which they are applying.

Screenings should especially be used for high-risk jobs, those which cost your business the most in workers’ comp costs. There are two types of pre-employment screenings:

• Pre-offer.  This screening identifies applicants who are physically able to safely complete the essential job functions of the position for which they are applying.
• Post-offer.  This screening measures the same functions, but you can also require a medical examination at this stage. This can help you identify any disability, including if they are under orders from a doctor to limit certain types of physical activity.

Drug tests/background checks

Drug tests can determine if there is a history of drug use, and, if so, indicate the types of drugs in the system.

Background checks probe the criminal and financial records of an applicant.

If an applicant shows negative incidents on a drug or background check, he or she could be a candidate for future fraudulent activity.

On-site ergonomic solutions

Utilize physical therapists or ergonomists before injuries occur to work with employees, supervisors and management to understand workflow and all job task requirements.

Those specialists can recommend optimum positions, ergonomic strategies and proper physical movements required at workstations to reduce the chances of employees sustaining musculoskeletal injuries.

Employee education

Educate employees on how to use workers’ comp legitimately and how it can be used illegitimately.

Explain the damage to the employer from malingering and fraud by illustrating how claims affect the premium employers pay.

Information also should be shared about penalties and fines that could be incurred with fraudulent claims.

Educating employees regularly can reduce the chances of fraud.

Prompt injury reporting 

Train employees to report any health concerns as soon as they notice any discomfort.

Injuries can develop over time in many jobs when they are executed using improper or ergonomically incorrect motions.

If an employee raises concerns about discomfort to a supervisor, it should be given serious attention.

That way the supervisor, the worker and inside or outside specialists can address the issue.

This can be done through observations and evaluations of the work pattern of the worker, and in comparison to those of others in the department.

The worker should also be sent for medical diagnosis or medical care to treat the discomfort before it becomes a bigger problem.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

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.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer mechanisms. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer mechanisms, subcontractor screening, ways to lower your insurance costs that lower them.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

New York City Contractor Reduces Their Liability Premium From $393,000 To $197,500!  This Article Explains How To Get Relief!

Are you a New York City contractor paying $100,000, $200,000, $300,000+ for general and umbrella liability insurance?   Is your Worker’s Compensation costing you an arm and a leg?

Sick of paying what you’re paying?  Ready to do something about it?

Have your general and umbrella liability through a “Surplus Lines Carrier (SLC)?”  Most New York City contractors do, pay VERY high rates and have lots of exclusions, restrictions and warranties all designed to pigeon hole coverage.   End up operating outside the scope of work described to your carrier and you can be out of luck getting the next claim paid.

Do you use subcontractors?  Most insurance carriers have very strict requirements when it comes to subs.  Some companies limit the amount of work you can sub out.  Some have “Hammer Clauses” in their policies.  If you’re not careful who you use you can be out of luck getting a claim covered.

You would think paying hundreds of thousands to your insurance company would get you “Cadillac Coverage” right?  Unfortunately for many, that’s not the case.  Policies are riddled with exclusions like employee injury, labor law, height, subcontractor warranties, exterior work, construction limitation endorsement, the list goes on and on.

Here’s a secret most insurance brokers don’t want you to know.  Most don’t know what they are doing when it comes to insuring contractors.  Most can get you a policy but they don’t understand the legal ramifications of each form, endorsement, warranty and exclusion.  They may be nice, you may like them, but have a claim and be told it’s not covered.  I think liking them will no longer matter.

How would you like to work with one of New York’s leading “CONSTRUCTION INSURANCE SPECIALIST AGENCY POWERHOUSES?”  Whose group does over $1 billion in premium?  Who can take your account and marketed it to “THE BEST CONSTRUCTION INSURANCE PROGRAMS AVAILABLE FOR NEW YORK CONTRACTORS?”

How many of you would like to get away from restrictive “Surplus Lines Carrier” liability policies and have your insurance thru a “Main Street” carrier who offers MUCH better coverage at substantially lower rates?

At BGES Group, for 40 years we’ve specialized at insuring contractors.  Due to our expertise, reputation and agency volume we can get YOU better coverage and lower rates.

Like the example above, we reduced a Queen’s contractor’s liability premium from $393,000 to $197,000.  Let us do the same for you!

One of the great things about working with us is when you call or email you’ll always get us.   You can contact us anytime, get us on the phone in seconds and whatever your issue we will handle it.

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.

A Little Bit More About Our Agency:

We are construction insurance specialists

Insuring contractors since 1981

Our group does $1 billion + in business.

One of our specialties is Worker’s Compensation. We can help you deal with some real thorny issues

We have “Main Street” GL programs for New York City contractors (we cover NY, NJ, CT) that just a handful of agencies have

We have purchasing leverage and can get you excellent rates

On any given day we have a great pulse on the market place. If there is a new program out there that you can benefit from we will find it

We have a program to screen all your subcontractor’s insurance policies so you don’t have to do it

We offer Property, General Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Workers’ Compensation, N.Y.S. Disability, Group Health and Personal Lines (Homeowners, Personal Auto, Personal Umbrella, Boat, Jewelry, Fine Arts) insurance policies

Here’s what four clients say about us (we have over 40 testimonials):

I highly recommend BGES Group if you are in need of help figuring out your workers compensation or disability rights. When you are completely lost and confused and full of complicated questions, like myself, call BGES and speak to Gary. His patience and kind demeanor made me feel comfortable and confident that he is extremely knowledgeable and genuinely wants to help you. Their customer service is excellent, I received an immediate call back and Gary remained on the phone with me answering every question honestly and remained patient through our lengthy conversation which concluded in a very favorable outcome for my family and I. Thank you so much Gary, your kindness is much appreciated. Michael

Absolutely the best agent my business has dealt with ever!!! Gary is the ultimate professional. He is both prompt and efficient with his services and is able to find the best pricing as well. I highly recommend his services! Eric

Gary is a non stop guy. He got me my insurance for a better price with the same coverage! Thanks Gary. Doug

I received almost instantaneous response on all my requests. And they certainly do a great job in obtaining the best insurance provider for my business. Very happy with their service.  Mario

Need Help With Your Worker’s Compensation Coverage?  We Can Work Miracles.  See What We Did for These Four Contractors:

We helped a Long Island Tree Contractor with over $1.2 million in claims get coverage for half what he was paying. His carrier was charging him $200,000.

We helped a Queens Demolition contractor whose company non renewed him due to $650,000+ in claims replace coverage with a carrier whose rates were lower than what he previously paid.

We helped a Brooklyn General Contractor who was being non-renewed by his carrier with over $1 million in losses replace coverage with slightly lower rates.

We helped another Brooklyn General Contractor who had $1 million in claims, most scam claims, replace coverage at comparable pricing.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

In the past few years have you’ve been hit by phony workers compensation claims, by a few rotten apple employees, for hundreds of thousands of dollars?

Have these claims caused your insurance company to drop coverage or drastically increase rates?

Do you have a debit “Experience Modification Factor (EMR)” of 1.25, 1.50, 1.75 or higher causing skyrocketing premiums and loss of work?

There are employees who habitually put in claims. Some do it every few years. Some do it within days of employment. Almost all receive help from an attorney. Together they can destroy a company’s loss experience.

Then there are people not even your employees that go directly to your state’s Workers Comp Board to file claims. One day when you open your mail you learn you have a new claim that wasn’t reported which puts you in an uncomfortable and disadvantaged position with your insurance company.

Here’s what happened to one employer. He’s a New York City General Contractor. One of his employees was installing flooring and while carrying flooring slats pinched his finger. Employee filed claim, insurance company paid for his medical bills and a few weeks lost wages. When payment was about to stop he started complaining his shoulder hurt. The carrier then had to increase their reserve to over six figures.

For same employer, he hired a person that had a soccer injury five years previous to employment. Within weeks of starting work, person put in claim for a knee injury.  No one saw him get hurt. Actually he told several co-workers what he was doing. They told the boss. The carrier still had to set up a reserve for $310,000.

Between two claims, amounting to over $400,000, his carrier non-renewed coverage. Please note prior to claims he never had a loss. He also had the same carrier for 5 years.

What can you do if you have a run of bad luck or a few rotten apples destroying your loss experience? We have a GREAT SOLUTION but before we tell you, read about these 4 cases.

Examples:

1. We helped a Long Island Tree Contractor with over $1.2 million in claims get coverage for half what he was paying. His carrier was charging him $200,000.
2. We helped a Queens Demolition contractor whose company non renewed him due to $650,000+ in claims replace coverage with a carrier whose rates were lower than what he previously paid.
3. We helped a Brooklyn General Contractor who was being non-renewed by his carrier with over $1 million in losses replace coverage with slightly lower rates.
4. We helped another Brooklyn General Contractor who had $1 million in claims, most scam claims, replace coverage at comparable pricing.

When an employer has a run of bad luck their only alternative is to get coverage through a state or assigned risk plan. When they do they usually pay through the nose. Being in contact we hear how they STRUGGLE. Customer’s owing them money doesn’t help.

ARTICLE BREAK:

HOW WOULD YOU LIKE TO GET MONEY BACK ON YOUR PAST SEVEN (7) YEAR WORKER’S COMPENSATION POLICY’S? 

There are mistakes insurance companies make when calculating premiums.  There are credit’s employers are entitled to that may not have been applied. Experience  Modification Factors have mistakes.  Audits have mistakes.  Working on a Contingency basis, we review your policies and if there’s mistakes get you money back.  You sign three documents, we do all the work.  This is a complete WIN situation for YOU!  Interested call Gary Wallach at 914-806-5853

ARTICLE CONTINUED:

Let BGES GROUP (that’s us) who specialize at Worker’s Compensation do for YOU what we’ve done for these 4 business owners. This is our specialty. We’ve been at it for 39 years.  If you’re in trouble let us get you out of it.

Here’s What Some Say About Us On “Google Review.”

I highly recommend BGES Group if you are in need of help figuring out your workers compensation or disability rights. When you are completely lost and confused and full of complicated questions, like myself, call BGES and speak to Gary. His patience and kind demeanor made me feel comfortable and confident that he is extremely knowledgeable and genuinely wants to help you. Their customer service is excellent, I received an immediate call back and Gary remained on the phone with me answering every question honestly and remained patient through our lengthy conversation which concluded in a very favorable outcome for my family and I. Thank you so much Gary, your kindness is much appreciated. Michael

Absolutely the best agent my business has dealt with ever!!! Gary is the ultimate professional. He is both prompt and efficient with his services and is able to find the best pricing as well. I highly recommend his services! Eric

Gary is a non stop guy. He got me my insurance for a better price with the same coverage! Thanks Gary. Doug

I received almost instantaneous response on all my requests. And they certainly do a great job in obtaining the best insurance provider for my business. Very happy with their service. Mario

For help call Gary Wallach, Monday through Sunday, 9am to 9pm, at 914-806-5853. Email us at bgesgroup@gmail.com.

About Our Agency:

• We are construction insurance specialists.
• Been insuring contractors since 1981.
• Our group does $200+ million in business.
• One of our specialties is Worker’s Compensation. We can help you deal with some real thorny issues.
• We have “Main Street” GL programs for New York City contractors (we cover NY, NJ, CT) that just a handful of agencies have.
• We have purchasing leverage and can get you excellent rates.
• On any given day we have a great pulse on the market place. If there is a new program out there that you can benefit from we will find it.
• We have a program to screen all your subcontractor’s insurance policies so you don’t have to do it.
• We offer Property, General Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Workers’ Compensation, N.Y.S. Disability, Group Health and Personal Lines (Homeowners, Personal Auto, Personal Umbrella, Boat, Jewelry, Fine Arts) insurance policies.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages. We help contractors set up proper risk transfer. If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

If you are a tri-state contractor who operates within New York City’s 5 boroughs most likely you’re paying EXORBITANT PREMIUMS for your liability policies (General and Umbrella Liability).

Making matters worse, here we are in 2021, in the middle of a pandemic and insurance companies are increasing renewal rates yet again 10% or more!

This is beyond crazy!  Most contractors feel they work for their insurance companies. Quite a few if their policies included “Labor Law” closed shop.

Did you know 95%+ of the insurance brokers are incompetent when it comes to insuring contractors?  They know more than you but “THEY ARE HAZARDOUS TO YOUR WEALTH!”  That’s because they don’t understand the contractual nuances of the policies they sell you.

Most contractors that operate within the 5 boroughs are insured through “Surplus Lines Carriers.”  Most “SLC” policies have exclusions, restrictions and limitations that are designed to pigeon hole coverage.

For example, “Blanket Additional Insured.”  One form covers all additional insured’s you by contract agree to cover.  Another form covers additional insured’s you ONLY have a signed, written and executed agreement with.  Know the difference?  There’s a big one.

Example: You’re a plumber who signs a contract with a GC.  In the agreement the GC requires you to cover 20 additional insured’s in addition to the GC.  Under the first form everyone would be covered.  Under the second only the GC is covered leaving the other 20 uncovered and YOU with a serious uncovered contractually legal obligation.  You find out the issue at time of claim when your insurance company sends you a denial letter.

How would you like to lower your 2021 rates and get better coverage, less exclusions and less restrictions?  How would you like to have your account marketed to “THE BEST PROGRAMS FOR TRI-STATE CONTRACTORS?”  Know 95%+ of agencies don’t have access to these programs.  WE DO!

Another very important issue is screening subcontractor’s policies.  Would you like someone else to do it for you?  We have a whole department set up for this. Why this is so important is because in your policies there’s very strict wording regarding subcontractors insurance.  Failure to comply can and most likely DOES leave you without coverage.

BGES Group are “Tri-State Construction Insurance Experts.”  This is our specialty and we’ve been insuring contractors for 39 years.  We are “Preferred Agents” for MANY “Main Street Programs” which means we could end up cutting your costs by up to 50% while getting you better coverage.  (We did so for a Queens Contractor.  He was paying $393,000.  We reduced his premiums to $197,000).  We also represent the “Top Programs for contractors” and 50+ “Surplus Line Carriers” too.

You know what Costco and IBM have in common with BGES Group? One has incredible buying power.  The other has very smart people working for them.  That’s what you get working with BGES Group.  Note our group does billions in premium with insurance companies yet you deal with one person who you’ll ALWAYS be able to reach day or evening Monday thru Sunday guaranteed!

BGES Group also offers property, inland marine, bid and performance bonds, auto, workers compensation, N.Y.S. disability, group health and personal lines insurance.

Want better rates, better coverage, better service, call Gary Wallach TODAY by dialing 914-806-5853 or emailing bgesgroup@gmail.com.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

The Untold Truths about Having Your Worker’s Compensation Policy Directly With an Insurance Company, Payroll Company or an Insurance Agency That Services Hundreds, Thousands of Accounts!

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DANGER!  Working With These Companies Can Be Hazardous To Your Wealth!

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Some Questions:

1. Who is watching my rates? Do you think an insurance company wants to lower or raise your rates after the first year of being with them?

2. Am I getting all the credits I’m entitled to? If you’re dealing directly with an insurance company, we doubt it.  It’s our opinion they lure you in the first year with price then each year raise them.  We have never seen an insurance company, on renewal call up a policy holder to discuss all the credits they are entitled to.

3. Do I have the right coverage? In a state or assigned risk plan?  You may not.  If you have employees who work out of state you may have a financially crippling uncovered exposure.

4. Am I being charged correctly at audit time? We know plenty of companies whose auditors are in and out.  They give the policyholder no information about payroll or classification rules. They have their marching orders and we’ve seen many business owners pay thousands, tens of thousands more at audit.

5. Who is servicing my account? When you call is the person you speak to a customer service representative (CSR) or experienced professional?  Let’s face it.  Most CSR’s are nice, pleasant but robot, paper pushers. They have such a volume of work they don’t have time to think let alone give your account the attention it deserves. They have a low level of insurance knowledge and most appear to be part timers or licensed insurance brokers with years of experience.

6. In a program where a “Program Manager” charges you a 10% service fee? Did you know the reason you have to pay them is not based on servicing but based on “They Control the Program and You aren’t Getting in Unless You Pay Their Membership Fee.”  One Program Manager wanted to charge our client $40,000, another client $30,000.  Ridiculous!  What have they done for you lately?  Do they ever call you?  Come see you?  Are they there for you when a problem arises (i.e. audit dispute)?

7. Is my payroll company transparent? Are you aware of all their fees?  Is your company’s compliance department making it tough to do business?  Are the people servicing your account knowledgeable, do they ask you questions about your operations so you are covered properly?  We find it hard to believe that payroll companies with hundreds, thousands of accounts can service them properly.

8. Does your insurance agency service hundreds of accounts? If so how in the world can they service anyone’s account properly?  Usually their CSR’s have so much work they are paper pushers, robots.  They process your policy (and make plenty of mistakes doing so), make no recommendations, do not understand the technicalities of most policies, do not remarket your account, you’ll never hear from them unless you call and charge policy and service fees that are arbitrarily made up.  Agencies have become factory like.  Increasing costs have caused them to cut staff and require inexperienced CSR’s to service way too many accounts.

What We Can Offer You: 

1. Having your account taken care of by our principal who is a Worker’s Compensation Specialist (one of his areas of specialty) and has 39 years experience.  When you call he will answer.  When you need anything it will be taken care of immediately.  This person knows the rules and regulations of the workers compensation system and will save you every dollar you are entitled to and make sure you are covered properly.

2. The ability to have your policy quoted by up to 15 companies.

3.  You’ll ALWAYS receive “Very Important Person (VIP)” service.  We operate like our father and grandfather did.  Very personnel,  make office visits, frugal with your money, sincerely and genuinely care about you as a client. You will not be billed for ridiculous policy fees, service fees.

4.  In a nutshell if you are sick of working with financial institutions that are greedy, whose service is poor, whose personnel have limited knowledge, are overworked and are robot, paper pushers and rather deal with a “Firm Principal” who has 37 years experience, a street fighter, frugal with your money, genuinely caring, who gets the job done contactà

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

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.

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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group