Workers’ compensation fraud costs the insurance industry roughly $5 billion each year, according to estimates by the National Insurance Crime Bureau. Depending on whom you ask, fraud accounts for as much as 10% of the costs of all workers’ comp claims.

This type of fraud is typically associated with malingering employees who fake injuries in order to collect compensation and some paid vacation time.

Anytime you feel you have a suspicious claim on your hands, look for these tell-tale signs of potentially fraudulent claims. Usually one of these items alone is not enough to point to fraud, but if you have two or more of them, it could suggest a problem.

1. Late reporting. If you have an employee who suffers a legitimate on-the-job injury, they will generally report it right away. Late reporting may not always be indicative of a fraudulent claim, though, because sometimes the true effects of an injury may not be known until the following day. 

2. The Monday morning claim. If the injury allegedly occurred on Friday, usually late in the day, but did not get reported until Monday, there is reason to suspect there might be a little more going on than meets the eye. The logic is that the employee likely suffered an injury over the weekend and does not want to pay for it themselves if they lack health coverage, or if they don’t want to foot the bill even for their coverage deductible.

3. Lack of witnesses. Often your employees won’t be working in a solitary environment and there ought to be somebody on your staff who witnessed the accident. Still, not every claim has a witness and this should not be used solely to determine fraud.

4. Sketchy details or conflicting descriptions. Most claimants can recall the details of their injury. If the claimant seems to be fuzzy on the details and gives vague responses to questions, it could be a warning sign.

Also, if the employee’s description of the accident conflicts with the medical history or First Report of Injury, there may be a problem. This could arise if, upon further investigation, the employee keeps changing the story and adding or removing pertinent information – a good reason to suspect it to be a fraudulent workers’ compensation claim.

5. Disgruntled employee. A disgruntled employee is more likely to place fraudulent claims than an employee with high job satisfaction.

6. Financial hardship at home. Workers’ compensation benefits are sometimes seen as a way out of a tight financial situation at home. Although temporary disability benefits are lower than normal working wages, the worker could use the time to “double dip,” that is, take on extra work when they are supposed to be at home recovering from the alleged injury.

7. Hard to reach. This ties in with number 6. If this occurs every time the claimant is called, there is a possibility of fraud.

8. Misses medical appointments. If an employee is truly injured, they want to get better and will make sure to go to all medical appointments. Missing appointments is another reason to suspect fraud.

9. Engaged in activities not consistent with the injury. If your employee reported a back injury and other employees find that he is playing softball on the weekends or renovating his yard, there is good reason to suspect fraud.

10. Employment change. The employee reports the injury right before or after being laid off, near the end of a contract job, or near the end of seasonal work.

11. Post-termination claims. If an employee files a claim after being laid off or fired, red flags should pop up.

12. Frequent moves and changes. The claimant has a history of frequently changing physicians, addresses and places of employment.

13. History of claims. If the claimant has filed suspicious or litigated claims in the past, they could be a person who feeds off the system.

14. Employee refuses treatment. There should be no reason for a legitimately injured worker to refuse a diagnostic procedure to confirm the nature or extent of an injury.

15. Rigorous hobby. If the injured worker has a pastime that could cause an injury similar to the alleged work injury, the claim could warrant further investigation.

Remember, if you suspect fraud, you should talk to your broker or the insurance company claims representative to alert them. All insurance companies are required to have special investigation units that look into claims fraud. It benefits both you the employer and the insurer if the insurance company investigates and ferrets out a fraudulent claim.

If the insurer suspects fraud, they can reject the claim and report their suspicions to the local district attorney’s office and the Department of Insurance.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Employers should always make it a top priority to provide workers with a safe working environment. That said, accidents can still happen, even when employers strictly enforce safety practices and employees strictly adhere to them. Incidents happen due to a breakdown, departure, or failure in the acceptable method of performance. When an accident does unfortunately occur, the incident investigation report will serve in several important objectives. So, it’s vital that a timely and thorough incident investigation takes place.

The Purpose Of Incident Investigation

The main purpose of an incident investigation is for the employer to learn why the breakdown happened and determine procedures that could be put into place to prevent it from reoccurring. The employer should gather and examine the data they collect to figure out where and why the departure from acceptable behavior happened. Employers can learn from errors and increase future productivity from knowing if there was any indication of the breakdown prior to it occurring, or if there was any possible point that the breakdown could have been interrupted and stopped.

Legal liability is another purpose of investigating the incident. During the investigation, the employer will gather information that could be paramount in mounting a possible defense against any resulting lawsuit(s). The defense team in such lawsuits will build their strategy based on the what, when, who, where, why, and how of the incident, data that’s often revealed during the incident investigation.

How Should The Investigative Process Take Place?

The investigative process will begin as the scene of the incident is reviewed and examined. This can provide an exact reason, or possible scenarios, as to why the incident happened. Pictures should be taken of the incident scene. The pictures can later be compared to blueprints, diagrams, or drawings of the area to help determine what chain of events led up to the incident occurring.

Now, it’s time to question all witnesses that may have information leading up to, during, or just after the incident. You can use forms created by regulatory agencies or internally created forms to guide the questioning process. Either way, using the completion of the form as a format for the questions asked will help to maintain objective questioning of witnesses, no matter who is asking or being asked the questions. It’s human nature for most people to immediately form assumptions and theories following the incident. Keep in mind that this type of non-factual information is useless and adds nothing to the validity of the investigation.

All the gathered information will be carefully analyzed by the investigator to determine what elements are explainable and what elements still need an explanation. The chronology of the chain of events will be explored. Then, the actions of those involved are looked at along side concurrently occurring actions to see if any of the concurrently occurring actions had any bearing on the incident.

Following the analysis, the investigator will make a written report that contains a description of the incident, the circumstances and elements that led to the incident occurring, why the incident occurred, and any recommendations to prevent it from reoccurring. The report should accompany the physical documentation collected by the investigator.

While an incident investigation is initially about investigating, it makes little sense to know the what, how, and such of the incident if nothing is done to prevent it from reoccurring. So, the last stage of the incident investigation is about implementing the recommended changes suggested in the final report. For optimal success during the implementation stage, the employer should assign a task force to ensure that the recommendations are put into place, supported from the top down, and are subsequently followed by everyone.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

workers compensation accidents

employee accident investigation

It might be hard to fathom any type of audit being beneficial, but premium audits are actually just as important to you as they are to your insurance carrier. When you were first issued your policy, the carrier looked at the estimated sales figures or payroll data that you provided to them. They calculated your premiums based on this information. Now that you have real numbers under your belt and an actual experience, the information can be reassessed to determine the correct premium amount.

Depending on how your business operates and the size of your policy, there are several different methods your insurance carrier can use to conduct your premium audit, including:

1. Mail – your carrier will mail you an audit form and the instructions to complete the form. Once completed, you will return the form by mail to your carrier.

2. Phone – your carrier will hire an independent audit company to conduct your audit over the phone.

3. Physical – your carrier will usually conduct the audit at your business, but it could be conducted at an alternative location, such as your certified public accountant (CPA’s) office.

Regardless of the method, the audit will typically include your disbursements and payroll journals, ledgers, tax and Social Security reports, state unemployment forms, and other accounting records being inspected. As you can see, an enormous amount of data will be inspected. You can use the following tips to help you prepare for your audit, help it run smoothly, and end positively.

Before The Audit Arrives

* You should try to get an idea of what the auditor will be reviewing by looking at the auditor’s work sheets and past audit billing statements.

* Determine which of your employees would be best suited to work with the auditor. Look for someone that’s both knowledgeable about the accounting records that will be used in the audit and about what work is done by various employees and departments.

* Assemble all the accounting records that will be used during the audit.

* Ensure that you have certificates of insurance on hand for all subcontractors you’ve used. Don’t forget to make sure that your documentation shows all the contractors have their own general liability insurance and workers’ compensation.

* Check that your payroll documents include a breakdown of wages according to class code, department, and employee.

The Day Of The Audit

* To make sure you have all the applicable records easily available to the auditor, you might request the audit be conducted at your business.

* Don’t be afraid to ask the auditor to explain any points that aren’t perfectly clear to you.

* Request a hard copy of what the auditor finds.

After The Audit

* Carefully assess the audit billing statement, comparing it to your original policy.

* Don’t agree to pay any additional premium dollars until after you’ve made a list of all changes and discussed any problematic areas with the auditor.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

workers compensation audit

workers comp audit

general liability audit

Being prepared for an earthquake is a good investment if you are in a quake-prone area. At least one-fourth of all businesses that close because of a disaster never reopen, mostly because they are unprepared.

“Is Your Business Ready” questionnaires are a great place to start to help you determine how you might respond in case of a major earthquake (you’ll find the quiz below).

Once you know the results of the questionnaire, you can start preparing a business continuity plan to ensure core functions and key personnel are identified and to ensure normal operations can resume as quickly as possible after an earthquake. Consider the following:

Fix hazards in the workplace. Do a walkthrough with key personnel to identify issues that may become hazards in case of a temblor. That may include fixing loose shelving, removing heavy items from top shelves, securing cabinets with breakables in them, and securing wall fixtures and inventory to avoid damage to the products or injury to staff.

Set evacuation procedures. Develop and test an emergency evacuation procedure and create a shelter in a place at your business where you can house employees or customers if necessary. Establish a designated emergency area outside of the workplace for your staff to meet after an event. Ideally, the location should be open-air and free of other buildings or power lines.

Make sure that your employees are aware of the site of the designated emergency area. Conduct a roll call of employees, depending on the size of your company.

Create a communication plan. Develop a communication plan to implement following a quake. Make sure you have a list of key contacts — personnel, vendors and suppliers, etc. — and develop a media communication plan so you can reach your customers through news channels.

Take steps to protect vital records. There are many vendors who provide off-site storage of data. Ask your peers for recommendations or check with your insurance agent, who may have access to business recovery vendors.

Earthquake insurance

Earthquake insurance is not covered under a standard business insurance policy. Similar to flood insurance, earthquake coverage usually must be purchased separately, either as a stand-alone policy or what’s known as a “differences in conditions” policy.

Stand-alone earthquake insurance typically covers the cost of repairs to property damaged in a quake as well as damaged and destroyed furnishings, equipment and inventory. There may also be coverage for fire following a quake.

Policies may also cover claims for business interruption costs. Vehicles are covered for earthquake damage under the comprehensive part of a commercial insurance policy.

Small business owners should calculate the full sum it would take to repair or rebuild the business in the event of an earthquake. This covers a wide range of costs, from engineering requirements for rebuilding office space to inventory storage while repairs are being done to the building(s).

Coverage for other kinds of damage that may result from earthquakes, such as fire and water damage due to burst gas and water pipes, would not be covered by standard business insurance policies.

However, one of the most common types of damage from an earthquake is water damage resulting from broke sprinklers that turn on when the building shakes. An earthquake sprinkler leakage or sprinkler leakage endorsement may provide coverage for the building and/or contents inside the building should the sprinkler system leak due to a quake or accident.

Take the Quiz: Is Your Business Ready?

Answer Yes, No or Unsure to the questions below. Your answers could determine how you handle a disaster. Have you:

1. Assembled a team of key personnel who know key operations and can provide important perspectives when planning for and responding to disasters?
2. Organized all your critical documents and information so they are easily accessible when needed most?
3. Identified and prioritized which business operations are critical so you know what to recover first, second, etc.?
4. Developed continuity or emergency procedures so you can continue to provide products or services after a disaster (e.g. we cannot access our building, need a generator, etc.)?
5. Made accessible important data or files for decision-making if you were unable to access your facility?
6. Maintained updated emergency contact information for employees, vendors, suppliers, customers and other key contacts?
7. Trained employees to assist (e.g. respond to injuries, evacuate building) when an emergency occurs?
8. Maintained emergency supplies for your businesses to address immediate needs, such as if employees are unable to go home?
9. Regularly backed up your data and are storing backup copies off-site, or on the cloud?
10. Taken steps to safeguard against potential damage to your equipment, buildings or facilities?
11. Maintained procedures to communicate after a disaster with employees, suppliers and vendors?

Self-Assessment Results

If you got 9-11 correct: Your organization is better prepared than most (possibly even your competitors) and there are simple resources to address any gaps.

If you got 5-8 correct: Your organization has taken some preparedness steps. You are at less risk, yet there is room to improve.

If you got under 5: Your organization is at risk of interruption. 

Quiz source: U.S. Chamber of Commerce Foundation

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Americans are working longer hours and facing more demands for productivity, leading to stress and burnout, which in turn can affect workplace safety, according to risk management experts. Understaffing plays a part in this, they found.

When workers are stressed or required to work quickly, they are more prone to making mistakes that can injure themselves or co-workers.

On top of that, there’s been an increase in mental health issues, while outside factors like household finances can also add to an employee’s stress, making them less mindful at work.

Fed-OSHA has also noted a correlation between worker stress and industrial injuries. In May 2023, it launched a web portal for employers to understand and recognize the workplace safety implications of stressed workers and what they can do to help.

Poll findings

A recent poll of 2,515 workers by the American Psychological Association (APA) found that 77% of respondents said they had experienced work-related stress in the last month and 57% said they were experiencing negative effects of work-related stress driven by burnout, including:

• 31% reported feeling emotionally exhausted,
• 26% said they don’t feel motivated to do their best,
• 25% had a desire to keep to themselves,
• 23% wanted to quit,
• 20% reported lower productivity,
• 19% said they felt irritability or anger with co-workers or customers, and
• 18% said they felt ineffective.

Stress is especially prevalent in production environments, where the safety stakes are the highest. This includes construction, manufacturing, warehousing, health care and transportation. In these industries, the risks can range from amputations and crushing injuries to falls and muscle sprains. Inattention while working in these sectors can be deadly.

While OSHA cannot cite an employer for workplace stress, it can cite them for injuries that may have been influenced by stress.

Workplace stressors

According to the APA, workplace stress is caused by a multitude of factors, including:

• Toxic workplaces.
• Verbally abusive superiors, co-workers or customers.
• Difficult-to-meet deadlines or quotas.
• Too much or too little work.
• Poor work relationships.
• Poor communication from management, or management that does not provide leadership.
• Insufficient compensation.
• Uncomfortable workplace environment.

Some of the main risks of stressed or burned-out workers are:

• Workers in understaffed environments or who are under pressure to meet difficult quotas are more prone to make mistakes or cut corners, leading to injuries or costly mistakes.
• Lapses in concentration that can lead to injuries and mistakes.
• Stress can lead to substance use disorders.
• Reduced engagement with colleagues and supervisors.
• Increased sick days and absences.
• Reduced productivity.

What employers can do

Recognizing that workers may be under stress, employers can take steps to help their workforce. OSHA and the APA recommend the following:

• Be aware and acknowledge that people can carry an emotional load that is unique to their own circumstances. They may be experiencing heightened levels of loneliness, isolation, uncertainty, grief and stress; and some may face additional demands, such as parents caring for children or elderly household members.
• Identify factors making it harder for workers to get their jobs done and determine if adjustments can be made.
• Show empathy. Employers can reassure employees they are open and receptive to discussions about their work stress by creating a safe and trustworthy space.
• Offer health insurance with coverage for mental health and substance use disorders.
• Encourage workers to take their breaks.
• Offer an employee assistance program.
• Offer paid time off and sick leave. (The APA suggests 50% of employees find that a lack of paid time off or sick leave has a negative impact on stress levels at work.)
• Offer paid mental health days off.
• Train supervisors and managers to avoid being verbally abusive and to treat employees with respect.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

workers compensation insurance

One of the biggest mistakes owners of growing businesses make is not keeping up their insurance coverage to account for the expanding assets and potential liabilities.

Let’s say you started your business 10 years ago with just a small space and computer desk. Today, you have an office full of employees and equipment. If you still have the same insurance coverage as you did a decade ago, or even three years ago, the chances are high that you are underinsured.

To make sure you have all of your assets covered, you should review your business insurance program annually. Circumstances change, and without a yearly review, you could be faced with substantial expenses if you suffer a loss.

It’s common for small businesses to start out with basic insurances, such as commercial property and general liability policies. However, as they grow, most owners need other types of insurance, such as:

• Excess liability or umbrella – This covers claims exceeding your standard policy’s limits.
• Workers’ compensation – After your business hires its first employee, this type of insurance will be required in most states to provide payments for an employee’s lost wages and medical expenses following a workplace injury.
• Professional liability – This form of insurance covers your service-provided mistakes, and usually your attorney fees.
• Auto, hired and non-owned – This protects your business should an employee cause a vehicle accident in their personal or rented auto.
• Commercial auto – This provides coverage not under personal auto policies, such as to your business and for employees unloading and loading.
• Employment practices liability – Coverage for HR issues, such as those related to termination, harassment and discrimination laws.
• Directors and officers liability – Financial protection for directors and officers should they be sued for wrongful acts stemming from performance of their duties.
• Employee benefits liability – This insurance covers liability issues from an omission or error in the administration of an employee’s benefits that results in the employee incurring a cost, such as a terminated worker losing benefits after not being provided with COBRA information.

Depending on your business, many of these coverages may be essential to adequately protect your firm. An annual insurance review is an ideal time to discuss your needs with us.

Ensure the following elements are considered as you begin the review:

• Revenue – More business is good, but it also means a greater potential for liability. Have your annual sales changed?
• Property – Have you added equipment, computers and such that would create a need to increase your commercial property policy’s limits?
• Location – Your business owner’s or general liability policy could be affected if you’ve added, closed or moved locations.
• Travel – A hired and non-owned auto policy may be needed if your employees are frequently driving rented vehicles.
• Employees – Have you had an increase in your workforce, turnover rate, or use of contractors? Consider employment practices liability insurance for high turnover rates. The more employees you add, the more you’ll pay for your workers’ comp coverage.
• Services – Are you offering additional services? For certain types of work, you may need additional endorsements to your general liability policy.
• Customers – Are you serving new clients or industries? This may cause problems with your professional liability policy if you’re servicing high concentrations of high-risk clients/industries.

The takeaway

The answers for each of the above won’t remain the same over a business’s life, and that’s why insurance isn’t a one-size-fits-all, unchangeable product.

Annually review your business for exposures and insurance needs. Insurance may not cover everything, but it can certainly mitigate your risks.

Start your annual business insurance review today by setting up a meeting with us to discuss the above issues and how they relate to your current insurance needs.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

When it comes to securing reliable and affordable Workers’ Compensation Insurance Programs in the Tri-State area, one name stands out above the rest – BGES Group. With a track record of excellence, BGES Group has earned its reputation as the go-to choice for businesses in various industries, including Auto Services, Contractors (especially in New York), Limousine Services, Moving & Storage Agents, and Local and Long Haul Truckers.

Lets explore why BGES Group is the best choice for your Workers’ Compensation insurance needs, as well as some success stories that highlight their exceptional service.

### Comprehensive Coverage at Great Rates

One of the key reasons why BGES Group is a preferred choice for Tri-State employers is their commitment to providing comprehensive coverage at competitive rates. They understand that every business is unique and faces its own set of risks and challenges. BGES Group has tailored insurance programs for specific industries, ensuring that you get coverage that meets your business’s needs while keeping costs manageable.

#### Industries Served:

1. **Auto Services**: From auto repair shops to car dealerships, BGES Group offers specialized Workers’ Compensation insurance programs to protect businesses in the auto service industry.

2. **Contractors (especially New York)**: Contractors face unique risks, especially in the dynamic New York construction market. BGES Group’s expertise in this area ensures that contractors have the coverage they need to safeguard their workers and operations.

3. **Limousine Services**: The limousine industry relies heavily on its drivers and vehicles. BGES Group understands the importance of protecting both employees and assets, offering tailored insurance programs for limousine service providers.

4. **Moving & Storage Agents**: Businesses in the moving and storage industry require specialized coverage due to the nature of their operations. BGES Group provides insurance solutions that address the specific risks associated with this field.

5. **Local and Long Haul Truckers**: Trucking companies, whether local or long haul, depend on the safety of their drivers and cargo. BGES Group’s insurance programs are designed to support trucking businesses in managing risks effectively.

### Problems BGES Group Can Solve

BGES Group is not just about great rates and coverage; they are also dedicated to solving the common challenges that businesses face in securing Workers’ Compensation insurance. Here are some of the problems they can help you address:

1. **Lower rates**: BGES Group’s expertise allows them to negotiate lower insurance rates for your business, potentially saving you significant costs.

2. **Being non-renewed**: If your current insurer is non-renewing your policy, BGES Group can find alternative solutions to keep your coverage intact.

3. **Audit Disputes**: BGES Group can help you avoid invasive audits and disputes related to payroll records, making the renewal process smoother and less stressful.

4. **Lapse in coverage**: They ensure that your coverage remains uninterrupted, preventing lapses that could leave your business vulnerable.

5. **Poor loss experience**: If you’ve had a history of high claims, BGES Group can assist in obtaining affordable coverage, even when traditional carriers may be hesitant.

6. **Payroll misclassification**: BGES Group ensures that your payrolls are correctly classified, preventing potential issues with your insurance company.

7. **Out-of-state coverage**: They can help expand your coverage to out-of-state operations, ensuring your business is protected wherever it operates.

8. **Large deposit requirements**: BGES Group can work to minimize or eliminate the need for large annual deposits, easing your financial burden.

9. **Exorbitant fees**: If your current broker charges high policy or service fees, BGES Group offers cost-effective alternatives.

10. **Timely certificates of insurance**: BGES Group prioritizes timely delivery of certificates of insurance, helping you meet client and regulatory requirements.

11. **Accessible support**: Their team is readily available when you need them, ensuring you have the support and guidance necessary to navigate the complex world of Workers’ Compensation insurance.

### Success Stories to Share

• Helped a Long Island contractor who was having audit issues with his company get new coverage using proper codes and payroll.  Note his premium ended up being almost half what his incumbent carrier wanted him to pay.                                     

• Helped another contractor get out of an audit problem obtained coverage with a great carrier and saved him a lot of headaches.                                                                    
• Helped an interior demolition company who was being non renewed by his company due to a run of bad luck (in our opinion some of the losses were fraudulent) get new coverage for rates that were less than he was previously paying.                                                                                                                                                   
• Helped a Brooklyn contractor who was being non renewed by his carrier due to a run of bad luck (in our opinion some of the losses were fraudulent) get new coverage for rates that were lower than he was previously paying.                                               
• Helped a limousine service who cannot get workers’ compensation coverage for months get coverage.

### Contact BGES Group Today

For Tri-State employers seeking the best Workers’ Compensation insurance programs, BGES Group is the answer. Contact Gary Wallach by calling 914-806-5853 or emailing bgesgroup@gmail.com anytime for expert guidance and solutions tailored to your business’s unique needs. With BGES Group, you’ll not only find great rates and coverage but also a dedicated partner committed to your success and peace of mind.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Are you tired of navigating the complex world of workers’ compensation plans, especially in the bustling industries of construction, limousine services, moving and storage agents, and trucking, particularly in the demanding environment of New York? Look no further than BGES Group, your trusted partner in securing comprehensive and cost-effective workers’ compensation solutions tailored to your needs.

With over four decades of expertise, BGES Group stands out as one of the Tri-State area’s premier experts in workers’ compensation. We understand that finding the right coverage can be a daunting task, but we are here to make it easy for you. Our commitment is to simplify the process, provide exceptional service, and ensure that you get the best value for your investment.

Here’s a closer look at our range of workers’ compensation plans, designed to meet the unique needs of your business:

**1. Stand-Alone Workers’ Compensation Policy**

Are you looking for a straightforward and affordable solution? Our Stand-Alone Workers’ Compensation Policy is the answer. With BGES Group, you can start with as little as $200. Then, each month, you simply report your past month’s payroll online and pay precisely what you owe—nothing more, nothing less. Or, you have the flexibility to pay your premium over 10 even 12 manageable installments, with no reporting.

**2. Payroll/Workers’ Compensation Program**

Designed with auto service, contractors, limousine services, and local truckers in mind, our Payroll/Workers’ Compensation Program offers several key advantages:

– Exceptional Service: Our team is dedicated to providing unparalleled service to our clients, ensuring that your needs are met promptly and efficiently.

– Competitive Rates: We understand the importance of controlling costs. Our program offers great rates that can help you save on your workers’ compensation expenses.

– Multi-State Coverage: For businesses operating in multiple states, we’ve got you covered. Our program can extend coverage to various locations, simplifying your insurance management.

– Coverage Stability: We provide you with the peace of mind that comes with stable and reliable coverage, allowing you to focus on growing your business.

**3. Professional Employer Organization (PEO)**

Our PEO services are a perfect fit for contractors, limousine services, moving and storage agents, and local and long-haul truckers. Here’s what you can expect:

– Competitive Rates: We offer favorable rates that can help you optimize your insurance budget.

– Coverage Stability: Just like our other plans, PEO provides dependable coverage, allowing you to plan for your business’s future with confidence.

– Tailored Solutions: Whether you have a challenging loss history or operate a high-risk business, we have plans to accommodate your unique circumstances.

– Group Health Coverage: Take advantage of our PEO plans that include group health coverage. PEO partners with a well-known health insurance provider, offering you up to 13 different options. Say goodbye to a 2024 renewal rate increase and hello to better coverage at lower rates.

**4. State Workers Compensation Plans**

We understand that sometimes you may have no other option but to turn to state plans. At BGES Group, we use state plans, ensuring that you receive timely service and that we handle all the intricacies on your behalf. Let us be your buffer in dealing with the complexities that may arise.

At BGES Group, our commitment is to make your experience as seamless as possible. We issue certificates of insurance promptly, and you’ll never find yourself waiting on hold when you call us. Our 42 years of expertise are at your disposal, ready to help you secure great rates and navigate challenging issues like billing. In the event of a claim, rest assured that our team has your back, and we even have an investigator available to assist with questionable employee claims.

Your journey to simplified, cost-effective workers’ compensation starts here. Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com for assistance. We’re available anytime you need us, ready to provide the support and expertise your business deserves.

Don’t let workers’ compensation be a headache for your business. Choose BGES Group, your trusted partner in workers’ compensation solutions. Your success is our priority, and we’re here to help you thrive.

Fleet operators face an increased risk of potential liability if they are not diligent about checking their drivers’ moving violation records with the state Department of Motor Vehicles in addition to the Federal Motor Carrier Safety Administration’s Drug and Alcohol Clearinghouse.

To ensure the safety of our roadways, as of 2020, it became mandatory that all registered motor carriers sign up their drivers in the Clearinghouse and run their driver rosters through the system to clear them for duty. But many companies are skipping this step and only checking their drivers’ records with the DMV, which may not reflect any suspensions issued by the Clearinghouse.

Clearinghouse rules require that drivers be tested for drugs prior to being hired and randomly throughout the year. This helps employers weed out drivers who may be at higher risk of both moving violations and accidents.

The Clearinghouse

The Clearinghouse was created to keep commercial drivers who have violated federal drug and alcohol rules from lying about those results and getting a job with another motor carrier.

This electronic database tracks commercial drivers’ license holders who have tested positive for prohibited drug or alcohol use, as well as refusals to take required drug tests, and other drug and alcohol violations.

The Clearinghouse tracks a driver’s drug and alcohol tests and bars them from operating commercial vehicles after they fail a test. If they want to return to driving, they must successfully pass a return-to-duty process that includes substance abuse treatment and a test to evaluate their readiness.

The Clearinghouse restriction can be lifted should the driver sign up for a Clearinghouse program that will test them 14 times in two years, with the first 12 tests having to occur in the first year. This cost all comes out of the driver’s pocket.

This system is an important check on drivers and helps employers reduce their exposure.

State Departments of Motor Vehicles are required to check the Clearinghouse before issuing a new or renewing a commercial driver’s license.

The takeaway

While it is the law that employers follow Clearinghouse procedures, because it’s a new system, many companies are failing to follow the rules, and possibly allowing suspended drivers to operate their vehicles.

If you are relying only on pulling a driver’s moving violation record and not the Clearinghouse, you are in breach of regulations and you could leave your organization exposed.

If you employ a driver who is under suspension from driving by the Clearinghouse and they are involved in an accident, the victims could build a case that your organization was negligent in letting the individual drive and not checking the Clearinghouse first.

If they can prove negligence on a fleet operator’s part, the business could be in for a hefty court judgment.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group

Checking on an employees drivers license

Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time.

In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim.

Nearly three-quarters of all litigation against corporations today involves employment disputes, which can be extremely costly. The cost associated with an employment practices claim can be significant.

In 2022, the Equal Employment Opportunity Commission 73,485 new discrimination charges, which represents an increase of almost 20% when compared to the previous fiscal year. In addition, the EEOC collected more than $513 million in monetary penalties for victims of discrimination and sexual harassment.

The large jump in sexual harassment claims and recoveries is a direct result of a surge in lawsuits since the start of the MeToo# movement, which has emboldened many victims to come forward and file complaints.

Keep in mind, the above are just penalties and do not include defense costs, which can exceed $100,000 per claim for employers.

For these reasons and more, employment practices liability insurance is crucial for any employer. The risks of being sued by an employee for discrimination or harassment have increased substantially, particularly now in the MeToo# era.

Employers need EPLI coverage because comprehensive general liability policies and workers’ comp policies exclude employment-related claims. 

EPLI coverage

Policies cover:

• Defense costs (court fees, attorney fees and related costs).
• Payment of settlements and/or judgments up to the policy’s limits.
• Any fines or penalties levied by government agencies.

EPLI policies cover business owners as well as directors, officers and managers. Some policies also cover employees. Additionally, you can buy third-party policies to cover claims brought by non-employees, such as clients.

Types of action covered include:

• Discrimination based on gender, race, national origin, religion, disability or sexual orientation
• Sexual harassment or other unlawful harassment in the workplace
• Wrongful termination
• Failure to employ or promote
• Retaliation
• Employment-related misrepresentation
• Failure to adopt adequate workplace or employment policies and procedures
• Employment-related defamation or invasion of privacy
• Negligent evaluation of an employee
• Wrongful discipline of an employee
• Employment-related infliction of emotional distress.

NOTE: Wage and hour claims, or disputes regarding overtime pay for non-exempt employees, have become more expensive in recent years, so most EPLI policies exclude this coverage. Business owners may be able to find endorsements to add wage and hour coverage.

Costs

EPLI claims can be extremely expensive. The average cost of a discrimination claim is $125,000, and 25% of judgments exceed $500,000.

Most businesses are wise to have at least $1 million in coverage. However, higher coverage limits increase your premium cost, so you want to balance your coverage needs and your budgetary concerns.

Call us if you want further information or need help in gauging your EPLI coverage needs.

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, located in Larchmont, 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, 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 ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. 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, NY 10538

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2023 – BGES Group