Has Your Workers Comp Coverage Been Cancelled? BGES Group Has the Solution

If you’re a New York contractor, you already know how essential workers compensation insurance is to keep your business compliant, protect your employees, and maintain project contracts. But what happens when your policy is suddenly cancelled, non-renewed, or you’re told you’re too “high-risk” to insure?

It’s happening to more contractors across New York every day—and for many different reasons.

In this article, we’ll break down 10 common reasons contractors are losing their workers comp coverage and explain how BGES Group, a leading workers compensation insurance specialist, can help you get back on track—fast.

---

10 Reasons Why New York Contractors Are Losing Workers Comp Coverage

1. Frequent Claims
   Multiple claims in a short time frame can cause your insurance carrier to reevaluate your risk profile. Even if the claims are minor or unavoidable, they can mark you as a high-risk account.
2. Large or Severe Injury Claims
   A single serious accident—like a fall from a roof or scaffold—can cause your experience modification rate (EMR) to spike. This makes your company less appealing to standard carriers and can result in cancellation.
3. Missed Payments or Policy Lapses
   Even one missed payment can result in a policy lapse, especially if your carrier has a strict grace period. Once a policy lapses, getting reinstated can be nearly impossible without paying steep penalties or switching providers.
4. Misclassification of Work
   If your workers are incorrectly classified into a more hazardous category, your premiums can skyrocket. Conversely, if the carrier finds that your classifications underreport risk, they may cancel your policy for misrepresentation.
5. Uninsured Subcontractors
   Hiring subcontractors without verifying their coverage is a major red flag. If those subs file a claim, your policy might be held responsible—potentially leading to audits, increased premiums, or cancellation.
6. High Experience Modification Rates (EMR)
   A high EMR indicates a poor safety record and leads to increased premiums. Insurance carriers may decide not to renew policies with high EMRs because of the increased likelihood of claims.
7. Audit Problems
   If your payroll figures don’t match what was reported, or if there are large discrepancies during an audit, your policy can be cancelled or subjected to unexpected additional premium charges.
8. New Business Startups
   If you’re a newer business with little or no claims history, some carriers may view you as too high-risk. They may issue short-term policies or cancel coverage after the first year.
9. Operating Outside Policy Terms
   Expanding into higher-risk services—like demolition, roofing, or scaffold work—without notifying your insurer can be considered a breach of policy terms, which can result in immediate cancellation.
10. Carrier Withdrawal from NY Market
    Some insurance companies are exiting New York’s workers comp market entirely due to increased regulation and claim costs. This leaves even safe, compliant contractors without a provider.

---

BGES Group: Your Workers Compensation Insurance Specialists

At BGES Group, we know how frustrating and disruptive it is to lose your coverage—especially in the middle of a project. That’s why we specialize in helping New York contractors secure and maintain the workers compensation insurance they need.

We’re not a typical agency. We’re experts in solving complex workers comp problems and placing hard-to-insure risks, especially in construction, roofing, general contracting, masonry, and other high-exposure trades.

---

Why Choose BGES Group?

• ✅ Specialized Focus on Contractors
  We understand the unique challenges of your industry and tailor coverage to your specific risks.
• ✅ Access to Top Carriers
  We work with A-rated insurance companies that are still writing workers comp policies in New York—even for high-risk contractors.
• ✅ Quick Turnaround Times
  Need a policy fast to meet a contract deadline? We can get quotes back to you quickly and help you bind coverage without delay.
• ✅ Solutions for Cancelled Policies
  Been dropped by your current provider? We’ll help you get back in the game with a new policy—even if your EMR is high or you’ve had claims.
• ✅ Flexible Payment Options
  Need a payment plan to manage cash flow? We’ll work with you to find a plan that fits your budget.
• ✅ Experience You Can Trust
  With decades of experience, we’ve helped hundreds of contractors recover from cancellations and get insured again.

---

Don’t Risk Working Without Coverage

Being without workers comp insurance in New York puts you at serious risk:

• You can’t legally operate.
• You may lose project contracts.
• You expose yourself to lawsuits and heavy fines.
• Your business reputation suffers.

Instead of trying to navigate these issues alone, partner with a specialist who knows how to get you the coverage you need—and fast.

---

Contact BGES Group Today

Let’s get your business back on solid ground. Whether you’ve been cancelled, denied, or are paying too much, we can help.

📞 Call: (914) 806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

---

Contractors Are Searching for Help – Be Found with These Key Phrases:

To help contractors like you find real solutions, we focus on what matters. Here are five key phrases contractors are googling right now:

1. workers comp insurance for NY contractors
2. affordable workers compensation New York
3. contractor workers comp policy cancelled
4. how to get workers comp after non-renewal
5. workers comp specialists for construction companies

If any of these phrases reflect your situation, you’re not alone—and BGES Group is ready to help.

---

Final Thoughts

Losing your workers comp coverage doesn’t have to mean the end of your business. With the right partner, you can recover and even find better, more affordable coverage than you had before.

At BGES Group, we specialize in helping New York contractors who’ve been dropped, denied, or are facing challenges with their insurance. Let us help you protect your employees, your projects, and your livelihood.

Don’t wait until it’s too late. Reach out to BGES Group today and let’s get your coverage back on track.

Let’s face it—there’s something about a man in a hard hat that makes hearts go pitter-patter. Whether it’s the confidence, the rugged charm, or the fact that he knows how to use a nail gun and a calendar, contractors seem to have a certain allure. But what exactly makes them so irresistible?

Here are 10 (totally real, mostly exaggerated) reasons why women find themselves falling head over steel-toed boots for contractors:

1. They Know How to Fix Things

You think emotional support is attractive? Try being with someone who can actually fix your sink, patch drywall, and rewire the dimmer switch—all before lunch. “He listens to my feelings and repaired the deck!” Instant swoon.

2. Tool Belts Are Basically Lingerie

There’s something primal about a man with a tool belt. It’s the male equivalent of a little black dress: functional, flattering, and full of surprises (pliers, screws, mints…you never know).

3. They’re Problem Solvers

When faced with adversity, contractors don’t panic—they grab a level, a measuring tape, and a questionable YouTube tutorial. This “get-it-done” attitude is hot. Also, they know how to Google things without asking you how to spell it.

4. They Build Stuff. With Their Hands.

There’s something deeply attractive about someone who makes things from scratch—especially if they’ve got sawdust in their beard and “modest lumberjack” energy. IKEA instructions? Please. Contractors eat Allen wrenches for breakfast.

5. They Have the Patience of Saints

You’ve never known true patience until you’ve watched a contractor deal with a city inspector, a nosy neighbor, and a client who insists “Pinterest said it would only cost $400.”

6. Their Tan Lines Are a Work of Art

That short-sleeve t-shirt tan is not accidental—it’s a badge of honor. Bonus points if they have one gloved hand more tanned than the other. It’s like construction camouflage.

7. They Smell Like Sawdust and Hustle

While others dabble in colognes like “Ocean Breeze” or “Night Panther,” contractors have their own scent: Eau de Lumberyard. It’s intoxicating in a rugged, man-wrestling-a-bear sort of way.

8. They Always Have a Plan (and a Backup Plan)

Things don’t always go as expected on a job site—but a good contractor always adapts. That kind of calm, creative thinking is just as useful in relationships as it is when your basement floods.

9. They Can Talk About Beams for Hours

Structural integrity? Yes, please. Contractors have passion—and it shows. They’ll talk about beams, joists, and concrete curing times with the same enthusiasm you use when explaining your reality TV bracket.

10. They’re Busy, but Still Make Time for You

Let’s be real—contractors are always juggling ten things: permits, subcontractors, surprise raccoons in the attic. But when they do carve out time for you? You know you matter. That’s romance.

---

But What Happens When the Business Side Isn’t So Sexy?

Sure, being a contractor has its perks—both romantic and professional—but the not-so-glamorous side is the paperwork avalanche, especially when it comes to contractors insurance in New York. Liability issues, workers comp, commercial auto, equipment coverage—ugh, it’s enough to make even the most rugged handyman want to hide under a tarp.

That’s where BGES Group comes in.

We’re not just another insurance provider—we’re your business’s best wingman. BGES Group specializes in making the complex world of contractor business insurance in New York simple, fast, and cost-effective. We help tri-state contractors stop worrying about coverage and start focusing on what they do best—building, fixing, and, yes, wooing admirers with their masterful use of caulk.

Here’s how BGES Group can make your life easier:

1. We Speak Contractor

We know the difference between general liability and builder’s risk—and we don’t make you feel like you need a law degree to understand it.

2. Custom Coverage

No cookie-cutter plans here. Whether you’re a solo roofer in Staten Island or a mid-size construction firm in White Plains, we tailor your plan to fit your needs and your budget.

3. We Save You Time

Forget endless forms and voicemail mazes. Our team handles the paperwork so you can get back to your crew—and your date night.

4. We Fight for Better Rates

Why overpay? We help you shop the best carriers to find affordable contractor insurance in the New York area without sacrificing protection.

5. We’re a Lifeline When Things Go Wrong

If there’s a claim or an issue, we’re in your corner, making sure you’re treated fairly and quickly. Because nothing kills the mood like a denied insurance claim.

---

Ready to Fall in Love With Your Insurance Broker?

We’re not saying we’re as dreamy as a flannel-wearing, truck-driving carpenter who brings you coffee on-site—but we are saying that with BGES Group on your team, life gets a lot easier.

Whether you’re searching for:

• Contractors insurance New York
• Construction liability insurance NY
• Commercial contractor insurance Tri-State area
• Best contractor coverage NYC
• Affordable contractor general liability insurance New York

…we’ve got your back, your truck, your tools, and your reputation covered.

---

Contact BGES Group Today:

📞 Phone: (914) 806-5853 – Gary Wallach 📧 Email: bgesgroup@gmail.com🌐 Website: www.bgesgroup.com 📍 Serving: New York, New Jersey, and Connecticut

---

Final Thoughts: Whether you’re framing walls or framing your dating profile, being a contractor is hard work—and your insurance shouldn’t be. Let BGES Group handle the boring stuff, so you can focus on building great things (and maybe falling in love along the way).

If you’re a business owner in New York, New Jersey, or Connecticut, you’re likely familiar with the challenges of managing workers’ compensation insurance. Between high premiums, complicated claims, and managing risk, it can feel like an uphill battle. That’s why more and more Tri-State businesses are turning to BGES Group—a specialized insurance agency that delivers unmatched service, savings, and support for workers’ comp coverage.

Whether you’re searching for “best workers’ compensation insurance NY,” “affordable workers’ comp New Jersey,” or “workers’ compensation insurance brokers near me,” your solution starts and ends with BGES Group.

Here are 10 compelling reasons why BGES Group should be your trusted partner for workers’ compensation insurance:

---

1. Significant Cost Savings

Many business owners are overpaying without even knowing it. BGES Group consistently saves clients 15% to 40% on workers’ compensation insurance premiums. They do this by analyzing your current policies, identifying errors or overcharges, and leveraging access to exclusive programs that aren’t available through standard brokers.

---

2. Access to Exclusive Workers’ Comp Programs

BGES Group works with top-tier carriers and has exclusive programs designed specifically for industries like construction, manufacturing, contracting, logistics, and healthcare. These programs are often not available through other brokers and offer better rates, flexible payment options, and reduced audit exposure.

---

3. Fast, Personal Service

Unlike big-name agencies where you’re just another number, BGES Group delivers white-glove service. Clients get direct access to senior specialists—not call centers or junior reps. Questions are answered fast, certificates are issued immediately, and policy changes are handled without hassle.

---

4. Audit Support That Saves You Money

Workers’ compensation audits can be intimidating—and costly—if you’re not properly prepared. BGES Group assists clients before, during, and after audits to ensure that you’re only paying what you owe. They’ve helped many businesses avoid thousands in overcharges.

---

5. Expertise in High-Risk Industries

Many insurance brokers shy away from industries like roofing, construction, trucking, or tree services due to the higher risk. Not BGES Group. They specialize in high-risk industries, understand your unique needs, and provide programs that keep your business protected—without breaking the bank.

---

6. Help with Claims Management

Managing a workers’ comp claim is time-consuming and often confusing. BGES Group steps in to help manage claims, ensuring they’re processed correctly, and fighting to close fraudulent or exaggerated claims. Their involvement can help reduce your experience modification rate (EMR) and future premiums.

---

7. Full Risk Management Guidance

BGES Group does more than sell insurance—they provide comprehensive risk management strategies to help you reduce workplace injuries and avoid unnecessary claims. This proactive approach keeps your workforce safer and your premiums lower.

---

8. Easy Access to Certificates of Insurance

For many contractors and tradespeople, getting COIs quickly is critical to winning and keeping jobs. BGES Group offers same-day certificate issuance with zero hassle. They understand the urgency and respond immediately—something many agencies fail to do.

---

9. Help When Others Say “No”

Have you been canceled or non-renewed? Are you struggling to find a new policy? BGES Group specializes in hard-to-place workers’ comp coverage. Even if you’ve been declined elsewhere, they’ll find a solution that works for your business and gets you back on track fast.

---

10. Long-Term Partner, Not Just a Policy Seller

BGES Group is in this for the long haul. They don’t just want to sell you a policy—they want to be your long-term insurance and risk management partner. With regular reviews, industry updates, and proactive recommendations, they’re always working to improve your protection and lower your costs.

---

About BGES Group

BGES Group is a boutique insurance agency that focuses exclusively on workers’ compensation insurance and commercial insurance for businesses throughout New York, New Jersey, and Connecticut. With over 30 years of experience, they’ve developed a reputation for being responsive, reliable, and results-driven.

They serve a wide range of industries, including:

• Construction & Contracting
• Trucking & Transportation
• Landscaping & Tree Services
• Manufacturing & Warehousing
• Medical Practices & Home Health Care

What sets BGES Group apart is their commitment to customer service and hands-on support. You’re never left to navigate the complex world of insurance alone. Instead, you have a dedicated team of experts working with you to reduce risk, control costs, and grow your business with confidence.

When you Google “best workers’ comp broker in NY,” chances are you’ll come across stories from real businesses who turned their workers’ comp headaches into success stories with BGES Group.

---

How BGES Group Can Help You

If you’re a Tri-State business owner, BGES Group can:

• Analyze your current policy and identify savings opportunities
• Get you access to better coverage and lower rates
• Help you reduce or avoid costly audit surprises
• Assist with claims management and fraud prevention
• Be your ongoing advocate—not just during policy setup, but every day after

Whether you’re a small business owner looking to cut costs, or a large operation looking for better risk control, BGES Group has the expertise, resources, and commitment to make a real difference.

---

Contact BGES Group Today

Ready to explore your options and start saving?

📞 Call BGES Group at (914) 806 5853 – Gary Wallach
📧 Email: bgesgroup@aol.com
🌐 Visit: www.bgesgroup.com

Let BGES Group give you a free workers’ compensation policy review and show you how much you could save. No pressure. No obligation. Just real answers from real experts.

---

Final Thoughts

The right workers’ compensation insurance broker can make all the difference in your business’s bottom line and peace of mind. With BGES Group, you get more than a policy—you get a trusted ally who understands the local market, your industry, and your specific challenges.

Stop overpaying. Stop stressing. Start working with the #1 Tri-State specialist in workers’ comp insurance today.

When you spend your days managing job sites, wrangling subs, and sweating it out in steel-toed boots, a well-earned summer getaway isn’t just a luxury — it’s a necessity. Contractors work some of the toughest jobs around, so when it’s time to clock out and unwind, they know how to pick the perfect spots to relax, recharge, and maybe swap work boots for flip-flops.

We rounded up 15 of the most popular places contractors love to visit across the U.S. during the summer, and why these destinations hit just right after months of hard work.

1. Myrtle Beach, South Carolina

Contractors love Myrtle Beach for its no-frills, good-times vibe. It’s affordable, has miles of beach to park a cooler and a chair, and plenty of golf courses for those who like to swing a club as much as a hammer.

2. Lake George, New York

Upstate New York’s gem is a hit for Northeast contractors. They’ll rent a cabin, fire up the grill, and take out a boat for fishing and watersports. It’s the perfect mix of laid-back and outdoorsy.

3. Nashville, Tennessee

Contractors tend to love a good story and a cold drink, which makes Music City a prime stop. Live music, barbecue, and some of the friendliest folks around — plus it’s driveable for much of the country.

4. Outer Banks, North Carolina

This string of barrier islands is a favorite for contractors who love family-friendly beach towns with a little history, fishing, and the chance to drive right onto the beach with their trucks.

5. Las Vegas, Nevada

Let’s be honest — after long hours and stressful deadlines, sometimes you just want to let loose. Contractors love Vegas for its no-questions-asked atmosphere, affordable flights, and round-the-clock entertainment.

6. Lake Tahoe, California/Nevada

In the summer, Tahoe is a playground of hiking, fishing, boating, and lakeside lounging. Contractors like it because it’s rugged, scenic, and you can jump between nature and nightlife in one spot.

7. Cape Cod, Massachusetts

New England contractors especially flock to the Cape. It’s classic, it’s beautiful, and it’s a great spot for seafood, boating, and beach bonfires.

8. Destin, Florida

Contractors looking for those sugar-white sands and emerald waters head to Destin. It’s family-friendly, with great deep-sea fishing, jet-skiing, and plenty of beach bars for sunset drinks.

9. Yellowstone National Park

For contractors who love getting off the grid and embracing nature, Yellowstone is a bucket-list trip. There’s something satisfying about seeing landscapes that make even the biggest job sites feel small.

10. Branson, Missouri

Yes, Branson. It’s got a quirky, down-home vibe contractors find charming. Between fishing, live country music shows, and old-school amusement parks, it’s a hit for both guys’ weekends and family trips.

11. Key West, Florida

For contractors who don’t mind traveling a little farther, Key West offers sun-soaked days, historic sites, and enough rum punch to forget about your insurance premiums for a week.

12. Smoky Mountains, Tennessee/North Carolina

Cabins, campfires, moonshine tastings, and some of the best mountain views east of the Rockies. Contractors head here for affordable rental cabins, hiking trails, and the chance to slow down.

13. Chicago, Illinois

For those who like a mix of city life and lakefront lounging, Chicago in the summer is unbeatable. Contractors appreciate a good deep-dish pizza, ballgame at Wrigley, and strolling Navy Pier.

14. Charleston, South Carolina

Historic charm meets world-class food. Contractors who appreciate good craftsmanship in everything from old architecture to shrimp and grits love Charleston.

15. San Diego, California

Year-round sunshine, great surf, and a laid-back vibe make San Diego a contractor’s dream summer destination. Plus, it’s one of the rare places where you can wear a hard hat in the morning and flip-flops in the afternoon.

⸻

Why Contractors Deserve These Getaways

Let’s face it — contractors work some of the longest, toughest hours out there. Between dealing with permits, inspections, unpredictable weather, demanding clients, and tight deadlines, when summer rolls around, they’ve earned these vacations.

These trips aren’t just about relaxation, either. Many contractors find inspiration on the road — from admiring a perfectly preserved Victorian home in Charleston to chatting with a local woodworker in the Smokies. It reminds them why craftsmanship matters and gives them fresh energy to bring back to the job site.

⸻

BGES Group: Protecting Contractors On and Off the Job

While we’re on the subject of hardworking contractors — let’s talk about something that’s just as important as a good set of power tools: proper insurance coverage.

BGES Group specializes in protecting contractors with tailor-made insurance solutions. We’re especially known for our workers’ compensation programs, designed to help contractors who’ve been dropped by their current carriers, faced cancellations due to losses, or struggled to get affordable coverage.

Construction is a high-risk industry, and if your coverage lapses or you’ve got a tough claims history, many insurance companies won’t touch you. That’s where BGES Group comes in. We have access to programs that other brokers don’t, and we can help you get back on the job legally and safely.

Whether you run a small crew or manage multiple job sites, we’ll work with you one-on-one to secure the best possible rates and policies — so you can focus on what you do best and maybe even plan your next summer trip without worrying about coverage.

⸻

Let’s Get You Covered

If you’re a contractor who’s:

• Struggling to find workers’ comp insurance

• Recently canceled due to losses

• Operating without coverage and need to get legal ASAP

Contact BGES Group today. We’ve been helping contractors across New York, New Jersey, Connecticut, and beyond for years, and we’re ready to help you too.

📞 Gary Wallach

📱 914-806-5853

📧 bgesgroup@gmail.com

🌐 http://www.bgesgroup.com

Your next job — and your next summer vacation — deserve the peace of mind that comes with having the right insurance team in your corner.

In the fast-paced, high-stakes world of construction, New York contractors can’t afford delays, mistakes, or indifference from their insurance broker. Whether you’re bidding on a major commercial job, managing day-to-day site risks, or simply renewing your coverage, having the right insurance partner makes all the difference.

Enter BGES Group — the local, high-touch alternative to the faceless giants in the brokerage world. While many brokers churn clients through a “one-size-fits-all” process, BGES Group offers personalized, reliable, and attentive service with 45 years of industry experience. We don’t just write policies — we build relationships that help protect and grow your business.

If you’re tired of being just a number, here’s why BGES Group should be your first call when you’re looking for a contractor insurance broker in New York.

---

1. Real People, Real Service — No Call Centers Here

Tired of waiting on hold? Frustrated when your “account manager” changes every six months? That’s the reality at many large brokerages — high employee turnover, offshore customer service, and impersonal interactions.

At BGES Group, we pride ourselves on offering “mom-and-pop” style service in a professional package. When you call us, we answer. When you email or text, you get a response from the same person, every time. We don’t shuffle you from department to department — we solve your problems directly and immediately. And yes, we’re available Monday through Sunday, because we know your business doesn’t shut down on Friday at 5:00 PM.

---

2. Experience That Protects You

BGES Group brings over 45 years of experience in contractor insurance, giving us a deep understanding of your needs, challenges, and risks. Whether you’re a general contractor, specialty trade contractor, or artisan, we know the intricacies of the industry.

That means when you need help with contractor general liability insurance in New York, advice on bonding, or assistance with worker’s compensation policies, you’re working with someone who’s seen it all — and can help you avoid costly mistakes.

We don’t cut corners. Unlike many brokers who simply push policies and move on, we personally review every policy we issue for accuracy. You’d be shocked how often we find mistakes other brokers miss — wrong classifications, inadequate coverage limits, or gaps that could leave you exposed.

---

3. We’re There When You Need Us Most

Accidents happen. Clients make last-minute demands. Certificates of insurance are needed — fast.

That’s when the BGES Group difference really shows.

When you have an issue, we’re not making excuses or passing the buck. We handle it — right away. Our clients know they can reach us at any time, whether it’s to request a COI, ask a question about coverage, or deal with an urgent claim. We’re available seven days a week, and we’re not afraid to pick up the phone on a Saturday night if your business needs us.

You don’t have to wait until Monday, and you’re not navigating an endless phone menu or being told “someone will call you back.” We are that someone.

---

4. You’re Not a Number — You’re Our Priority

At BGES Group, you’re not squeezed into a massive list of hundreds or thousands of clients. You’re not just another policy. We purposely keep our client list manageable so we can provide a high level of service and build real partnerships.

This is especially important if you’re searching for construction insurance brokers in NYC who are responsive, detail-oriented, and genuinely invested in your success.

We work with contractors of all sizes — from solo tradesmen to large firms — but we treat each one like they’re our only client. That’s the level of care and attention we bring to every interaction.

---

5. Better Value for What You’re Already Paying

Think you’re saving money with a big-box brokerage? Think again. With BGES Group, for the same price — and sometimes less — you get a level of service, accuracy, and personal attention that you just can’t find elsewhere.

And here’s a major alert for New York contractors: Many brokers don’t even check your policy documents when they’re issued. That means errors, wrong limits, or coverage that doesn’t meet your project or owner requirements. That could delay jobs or leave you on the hook for damages.

Why take that risk?

You’re paying good money for insurance — you might as well work with a broker who makes sure your contractor insurance coverage in New York is right, complete, and tailored to your exact needs.

---

6. We Speak Your Language

We know the difference between a wrap-up and a standalone policy. We know how OCIPs work. We understand what your clients expect to see on your certificates and endorsements. Whether it’s workers compensation insurance for contractors in New York or help navigating additional insured wording, we’re fluent in construction risk management.

That expertise saves you time, money, and stress — and it helps ensure you win jobs without running into last-minute insurance hurdles.

---

7. Let’s Talk — We’re Ready When You Are

If you’ve been searching for:

• Best insurance broker for New York contractors
• Reliable contractor insurance agent NYC
• Contractor liability insurance New York specialist
• Personalized insurance services for construction companies
• Affordable workers comp insurance for contractors NYC

— then your search ends here.

BGES Group is ready to work for you — and with you. Let us earn your trust, show you how different things can be, and give you the kind of support and peace of mind that your business deserves.

---

Contact BGES Group Today – Gary Wallach

📞 Phone: (914) 806-5853
📧 Email: info@bgesgroup.com
🌐 Website: www.bgesgroup.com

Whether you’re renewing your policy, starting a new company, or just tired of being treated like a number, BGES Group is your local, responsive, experienced partner in contractor insurance.

Call us today — experience the difference.

If you’re a business owner in the Tri-State area—New York, New Jersey, or Connecticut—your workers compensation insurance is one of the most important tools for protecting your business, your employees, and your bottom line. But are you confident your current policy is really doing the job?

At BGES Group, we specialize in workers compensation insurance in the Tri-State area and have been helping businesses just like yours solve complex insurance issues for decades. Whether you’re a contractor, auto repair shop, trucking company, manufacturer, or limousine service, we offer specialized programs tailored to your industry’s unique needs.

But first, let’s ask a few important questions:

Are You Experiencing Any of These 10 Workers Compensation Insurance Problems?

1. Sky-high premiums that are draining your cash flow?
2. Frequent audits that seem never-ending and lead to surprise bills?
3. Coverage gaps that leave you exposed to risk?
4. Class code disputes that inflate your premiums unfairly?
5. Unresponsive brokers who don’t return calls or explain your policy?
6. Claim disputes or delays that hurt employee satisfaction and morale?
7. High Experience Mod (X-Mod) that keeps going up year after year?
8. Forced into an Assigned Risk Plan because no carrier will take you?
9. Bundled payroll and insurance plans that are confusing and expensive?
10. Difficulty getting certificates of insurance in a timely manner?

If you answered yes to even one of these questions, it’s time to talk to BGES Group. We are not just another insurance broker—we are workers compensation specialists who know how to fix these issues quickly and cost-effectively.

---

What Makes BGES Group Different?

At BGES Group, we offer more than just a policy. We offer solutions designed for your business, and we go above and beyond to find coverage that fits both your needs and your budget.

Our team understands the ins and outs of the workers compensation system, and we’ve built custom insurance programs for industries that often face the toughest challenges in getting affordable, comprehensive coverage.

We proudly serve the following sectors:

• Auto Service & Repair Shops
• Contractors (all trades)
• Limousine & Transportation Services
• Manufacturers & Fabricators
• Truckers & Freight Haulers

---

Coverage Options That Work for You

When it comes to affordable workers compensation insurance, one size does not fit all. That’s why BGES Group offers multiple types of policies and flexible options, including:

• Stand-alone workers compensation insurance policies for those who want coverage separate from other services.
• Payroll + workers compensation insurance bundles that simplify administration and ensure compliance.
• Comprehensive business programs that can include workers compensation, payroll services, and even group health insurance—with savings up to 30%.
• State and Assigned Risk Plans for businesses having trouble finding coverage through traditional carriers.

We are licensed and active in New York, New Jersey, and Connecticut, and we have a long track record of getting our clients better rates and stronger coverage—even if they’ve been turned down elsewhere.

---

Why Work with a Workers Compensation Specialist?

When you search “workers compensation insurance near me” or “best workers comp insurance in New York,” you’ll find hundreds of general insurance agencies. But very few specialize in workers compensation the way BGES Group does.

We bring:

• Expertise in claims management to help you reduce costs and avoid penalties.
• Support with Experience Mod reduction to keep your premiums manageable.
• Access to top-tier carriers with programs not available through traditional brokers.
• Proactive account service that includes annual reviews, compliance checks, and more.

---

Don’t Wait Until You Have a Problem—Act Now

Too many business owners wait until they have a major issue—a claim denial, an audit nightmare, or a sudden rate spike—before looking for help. Don’t let that happen to you.

Let BGES Group give you a free, no-obligation review of your current workers compensation policy. We’ll identify problem areas and give you clear, actionable solutions.

Many of our clients have seen:

• Premium savings of 15%–30%
• Faster claims turnaround
• Improved employee satisfaction
• Reduced liability exposure

Even if you think your current policy is fine, it never hurts to get a second opinion—especially when that opinion comes from a top-rated workers compensation insurance specialist.

---

Contact BGES Group Today

If you’re a business owner in New York, New Jersey, or Connecticut and you’re tired of overpaying or dealing with the headaches of poor service, BGES Group is here to help.

Contact us today:

📞 Call: (914) 806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌐 Visit: www.bgesgroup.com

Let’s discuss how we can help your business thrive with the right workers compensation insurance coverage—at the right price.

---

Final Thoughts

Your business deserves the best. Stop letting insurance problems slow you down. With BGES Group, you get a partner who understands your industry, fights for your bottom line, and delivers results. Whether you need a new policy or just want to compare options, give us a call today and discover the difference a specialist can make.

The Hidden Risks: Why New York Contractors Must Understand Labor Law 240 and 241 Insurance

In the bustling construction industry of New York, contractors face a unique set of legal and financial risks that aren’t present in other states. One of the biggest landmines in this field? New York Labor Laws 240 and 241. These laws can make or break a contracting business, especially if the right Contractor Insurance – New York coverage isn’t in place.

Many contractors mistakenly believe their Commercial General Liability (CGL) policy covers all job site accidents. However, without specific coverage for Labor Laws 240 and 241, you could be left exposed to six-figure lawsuits with no financial backup. This article will break down what these laws are, the type of claims they impact, what’s excluded in typical insurance policies, and how BGES Group can help you protect your business.

---

What Are New York Labor Laws 240 and 241?

Labor Law 240, commonly referred to as the “Scaffold Law,” mandates that contractors and property owners (except for one- and two-family homeowners not in direct control of the work) provide adequate safety equipment for workers at elevated heights. This includes scaffolding, ladders, ropes, and other devices intended to prevent falls.

If a worker falls and is injured — even if the worker was negligent — the contractor or property owner can be held strictly liable. This means the injured worker doesn’t need to prove negligence to win a claim. If safety measures weren’t in place or failed, the contractor is usually on the hook.

Labor Law 241 applies to construction, demolition, and excavation work. It mandates that all construction sites be equipped and maintained in a safe manner as dictated by the New York Industrial Code. Unlike 240, Labor Law 241 requires some element of negligence to establish liability, but it still heavily favors the injured worker.

Together, these laws make it easy for injured workers to file successful claims — and make it essential for contractors to carry specific Contractor Insurance – New York that covers these exposures.

---

Example of a Covered vs. Non-Covered Claim

Covered Claim Example (If You Have Labor Law 240/241 Coverage):

A framing subcontractor is working on a multi-story apartment building in Brooklyn. One of his workers falls off a scaffold while installing siding, sustaining multiple injuries. The scaffold was improperly secured, and the worker was not wearing a harness. Despite contributing to the accident, the worker sues the general contractor and property owner under Labor Law 240.

Because the contractor’s insurance includes coverage for Labor Law 240, the policy steps in to cover legal fees, settlements, and judgments — potentially saving the contractor hundreds of thousands of dollars.

Non-Covered Claim Example (If You Excluded Labor Law 240/241):

Now imagine the same accident, but the contractor chose a policy that excluded Labor Law 240/241 coverage to save money on premiums. In this case, the injured worker still sues — and wins. But this time, the insurance carrier denies the claim due to the specific exclusion. The contractor is now personally responsible for all legal costs and damages, which could lead to bankruptcy or business closure.

Choosing a policy without this critical coverage is essentially gambling your business on the hope that no one will ever get hurt on your job site.

---

Common Insurance Policy Exclusions That Impact Contractors

Even if you have a CGL policy, that doesn’t mean you’re fully protected. Many insurance carriers include exclusions that can limit or void your coverage — especially in high-risk states like New York. Here are a few of the most common:

1. Employee Injury Exclusion

This exclusion removes coverage for bodily injury to your employees, which can be disastrous when dealing with Labor Law claims. While Workers’ Compensation covers some costs, it doesn’t cover third-party lawsuits or indemnity to owners/general contractors. In many Labor Law lawsuits, your insurer will deny coverage based on this exclusion.

2. Limited Contractual Liability

This exclusion limits the insurer’s obligation to defend you in a claim that arises out of a contract — even if you agreed to indemnify a property owner or general contractor. Since many construction contracts require indemnification clauses, this could leave you liable without any defense or indemnity.

3. Action Over Exclusion

This applies when an injured employee sues a third party (such as a property owner), and that party in turn sues the contractor for indemnification. Many policies now exclude these “action over” claims — the very scenario most common in Labor Law 240/241 lawsuits.

4. Height Restrictions

Some policies exclude coverage for work performed above certain heights (e.g., 15 or 30 feet). If your workers are injured at a height beyond this limit, your insurer may deny the claim.

5. Subcontractor Exclusions

If your subcontractors are not adequately insured or listed on your policy, you could face uncovered liability even if you weren’t directly involved in the work that caused the injury.

These exclusions are often buried deep in policy language, which is why partnering with a specialist in Contractor Insurance – New York is crucial to ensure you’re properly protected.

---

How BGES Group Helps New York Contractors

At BGES Group, we specialize in providing tailored insurance solutions for contractors across New York. We’re not your average broker — we focus on what really matters: protecting your business from the unique risks you face in this state, particularly those associated with Labor Law 240 and 241.

We take the time to:

• Review your current policies and identify dangerous exclusions.
• Design custom insurance programs that include Labor Law coverage.
• Vet your subcontractors’ insurance to ensure compliance.
• Offer affordable Workers’ Compensation and Excess Liability coverage.
• Provide ongoing support and risk management services.

Our goal is to ensure you have complete protection, not just a piece of paper that looks like insurance. With decades of experience and a deep understanding of Contractor Insurance – New York, BGES Group is the partner you need to stay ahead of lawsuits, regulations, and financial ruin.

---

Contact BGES Group Today

Don’t wait for a claim to find out you’re not covered.

BGES Group
Construction Insurance Specialists
Phone: (914) 806-5853 – Gary Wallach
Email: info@bgesgroup.com
Website: www.bgesgroup.com

If you’re a contractor searching for reliable Contractor Insurance – New York, make your next call to BGES Group — because one claim can cost you everything, but the right insurance can save it all

When it comes to protecting your construction business, you count on your insurance company to have your back. You pay your premiums, stay on top of your certificates, and expect your claims to be handled fairly when something goes wrong. But behind the polished brochures and friendly customer service reps, insurance companies often have a very different playbook — one that isn’t always in your best interest.

Contractors across New York, New Jersey, and Connecticut have found themselves blindsided by fine print, hidden exclusions, and shady tactics designed to minimize payouts and maximize company profits. It’s not personal — it’s business. And the more you know about how the system really works, the better positioned you’ll be to protect your company, your crew, and your bottom line.

Here are 7 dirty little secrets insurance companies don’t want contractors to know:

⸻

1. The Lowest Price Policy Is Often the Riskiest

Every contractor loves saving money, but cut-rate policies usually mean cut-rate coverage. Insurance companies know many contractors shop by price alone, so they strip out vital protections or hide limitations in the fine print. Later, when a claim hits, you’ll discover gaps you didn’t even know existed — and you’ll be left holding the bag.

Pro Tip: Always have a construction insurance specialist review your policy to identify what’s not covered.

⸻

2. They Count on You Not Reading the Fine Print

Most contractors don’t have the time (or desire) to comb through 50+ pages of policy language. Insurance companies rely on this. Buried in those dense paragraphs are exclusions, endorsements, and special conditions that could limit or deny coverage for common job site risks — from employee injuries to third-party property damage.

Pro Tip: Know your exclusions. They can cost you big time if you don’t.

⸻

3. Claims Are Often Delayed to Pressure Settlements

When you file a claim, insurance companies may drag their feet intentionally. The longer they delay, the more desperate contractors become to settle for less. Adjusters are trained negotiators who may underplay the value of your claim or suggest it falls into a gray area to minimize payouts.

Pro Tip: Partner with a broker who knows how to fight for your claim and hold carriers accountable.

⸻

4. Your Policy May Exclude Subcontractor-Related Claims

Think your general liability policy covers you if a subcontractor causes damage or injury? Think again. Many policies exclude claims involving subs unless you meet strict conditions — like having specific written contracts or certificates of insurance on file. Miss a step, and your claim could be denied.

Pro Tip: Have a subcontractor risk management plan in place and make sure your insurance specialist reviews it.

⸻

5. They Profit From Your Policy Not Being Audited

Did you know your workers’ compensation premium is based on estimated payroll numbers? Insurers hope you’ll underestimate — and then avoid audits. If you do, you could get hit with hefty adjustments later, or worse, face penalties for misreporting. Some insurers even profit from those back-end surprises.

Pro Tip: Work with a broker who proactively monitors your payroll classifications and audit preparedness.

6. Carriers Change Coverage Terms Every Year

Your policy from last year isn’t the same this year — even if the price didn’t change much. Insurance companies regularly modify forms and endorsements to reduce their risk exposure. Many times, those changes aren’t clearly communicated to policyholders. One year you’re covered, the next you’re not.

Pro Tip: Get a detailed, line-by-line renewal review every year from a construction insurance pro.

⸻

7. They Favor the Broker Who Makes Life Easiest for Them

Not all brokers are created equal. Many big-name brokers work more for the insurance companies than for their clients. Why? Because brokers who minimize claims, discourage tough questions, and deliver clean, profitable accounts get preferential treatment. That often leaves hardworking contractors with little advocacy when it matters most.

Pro Tip: Find an independent, battle-tested broker who’s willing to go to war for you.

⸻

The 7 Secrets, Summarized:

1. Cheap policies often mean dangerous coverage gaps.

2. Vital exclusions and limitations hide in the fine print.

3. Claims may be delayed to pressure lowball settlements.

4. Subcontractor-related claims are often excluded.

5. Insurers profit when you skip audits and adjustments.

6. Coverage terms quietly change year to year.

7. Some brokers serve the carrier, not the contractor.

⸻

Meet the Straight-Shooting Pros: BGES Group

If you’re a contractor in New York, New Jersey, or Connecticut, it pays to work with an insurance broker who knows the streets, knows the job sites, and knows how to fight. BGES Group isn’t your typical cookie-cutter agency. We’re a mom-and-pop, old-school, roll-up-your-sleeves, tell-it-like-it-is insurance brokerage with over 45 years of street-smart experience protecting contractors just like you.

We specialize in construction insurance — from general liability and workers’ compensation to umbrella policies and risk management services. Our team knows where the traps are, how to plug the holes in your coverage, and how to go toe-to-toe with insurance companies to make sure you get what you deserve.

We don’t work for the carriers — we work for you. And we treat every client like family.

⸻

Get in Touch Today

Ready for an honest, no-nonsense review of your construction insurance program? Want to make sure you’re not being taken advantage of by your current carrier or broker? Reach out to BGES Group today:

Contact: Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

Let’s have a real conversation about your coverage — no corporate jargon, no sugarcoating, and no hidden agendas. Just straight talk from an insurance specialist who’s been protecting contractors for over four decades.

Running a business comes with enough challenges. The last thing you need is a workers’ compensation company that overcharges, underdelivers, and leaves you feeling like just another number. If you’ve been frustrated with rising premiums, limited service options, and poor claims management, you’re not alone — and there’s a better option.

At BGES Group, we understand the pressure business owners face when it comes to protecting their employees and managing costs. That’s why we offer access to a powerful, all-in-one solution that simplifies your operations while saving you money: a Professional Employer Organization (PEO) plan.

This isn’t your typical insurance program. With a PEO, your business can combine payroll services, workers’ compensation insurance, and even group health benefits through trusted national insurance organizations with extensive provider networks. The result? Streamlined operations, reduced overhead, and peace of mind knowing your employees and your business are in good hands.

What is a PEO Plan?

A Professional Employer Organization (PEO) partners with businesses to provide comprehensive HR solutions. In a PEO relationship, your employees are technically co-employed by your company and the PEO. This allows your business to leverage the PEO’s resources, including access to high-quality insurance programs at rates typically reserved for much larger companies.

Think of it as a business alliance that works in your favor — giving you access to better rates, better benefits, and better service than you could obtain on your own.

To qualify for this program, your business must have:

• W-2 employees

• A minimum payroll of $100,000 annually

If you meet these criteria and are ready to improve your coverage and lower your costs, it’s time to see what our PEO program can do for you.

⸻

10 Reasons Why Our PEO Program Can Benefit Your Business

1. Save Up to 30% on Workers’ Compensation Costs

Our program offers significant premium savings — in many cases up to 30% compared to traditional workers’ comp policies. By leveraging group buying power, our PEO plans secure lower rates through national, A-rated insurance carriers.

2. Access to Large, National Insurance Providers

We partner with some of the biggest and most respected insurance companies in the country. This means your business benefits from reliable coverage, extensive provider networks, and nationwide support.

3. Combine Payroll, Workers’ Comp, and Health Benefits in One Package

Simplify your back-office operations by managing payroll, workers’ comp, and employee health benefits through one seamless, integrated system.

4. No Large Down Payments or Deposits Required

Unlike many standalone workers’ comp policies, PEO programs often eliminate the need for hefty upfront deposits. Your premiums are calculated on a pay-as-you-go basis, improving cash flow.

5. Nationwide Health Insurance with Huge Provider Networks

If you’re also looking for group health benefits, our PEO plan has you covered. Access nationwide plans with large, well-known provider networks, offering better coverage options for your employees and their families.

6. Professional Claims Management and Risk Control Services

Our PEO partners provide expert claims handling, ensuring incidents are managed efficiently to reduce costs and complications. Plus, risk control services help keep your workplace safe and compliant.

7. Reduce Administrative Workload and Compliance Risks

Stay up to date with ever-changing labor laws, OSHA regulations, and tax requirements. A PEO takes on much of the HR and compliance responsibilities, reducing your risk of costly errors and penalties.

8. Improved Employee Benefits at Lower Costs

PEOs can offer your employees benefits typically available only to larger corporations, including health, dental, vision, life insurance, and retirement plans — often at a lower cost.

9. Pay-As-You-Go Premium Payments

Our PEO programs feature pay-as-you-go workers’ comp premiums based on actual payroll, helping you avoid audits and year-end surprises.

10. Focus More on Growing Your Business

With your workers’ comp, payroll, and benefits handled by experts, you’ll have more time and resources to focus on what matters most: growing your business.

⸻

Why Choose BGES Group?

BGES Group has been serving businesses throughout the Tri-State area for decades, specializing in workers’ compensation insurance and risk management solutions. We’ve helped countless companies lower their costs, improve coverage, and get the service they deserve.

As one of the region’s workers’ comp specialists, we understand the unique challenges faced by businesses in New York, New Jersey, and Connecticut. Whether you’re a contractor, manufacturer, service provider, or retailer, we’ll work to customize a solution that fits your needs and budget.

And if your business operates outside of the Tri-State area — no problem. We have an experienced associate who can offer our PEO program and benefits nationwide. So wherever you do business, we have you covered.

⸻

Ready to Stop Overpaying for Workers’ Comp? Contact BGES Group Today!

If you’re unhappy with your current workers’ compensation company or simply want to explore better options, now’s the time to act.

Reach out to BGES Group for a free, no-obligation consultation. We’ll review your current program, identify opportunities for savings, and show you how our PEO plan can benefit your business.

Contact Information:

Gary Wallach

BGES Group

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: BGESgroup.com (http://bgesgroup.com/)

⸻

Stop settling for high premiums and mediocre service. Partner with BGES Group and discover how much better your workers’ compensation and employee benefits program can be.

If you’re a contractor, you know there’s a lot more to keeping your business running smoothly than just completing projects and keeping customers happy. Behind the scenes, things like workers’ compensation insurance and your experience modification factor (commonly known as an “experience mod”) play a crucial role in your ability to win contracts, control costs, and protect your bottom line.

But what happens when your experience mod takes a big jump — and suddenly you’re faced with a large debit mod? It’s a situation that can seriously affect your business opportunities, relationships with customers, and even trigger state regulations you’re required to follow.

In this article, we’ll explain what your experience mod is, how a large debit mod impacts your business, what steps you need to take to appease customers and comply with regulations, and how partnering with a specialist like BGES Group can help you protect your business and find new insurance coverage.

⸻

What Is an Experience Modification Factor?

Your experience modification factor (mod) is a number used by insurance companies to adjust your workers’ compensation insurance premium based on your actual claims experience compared to the expected claims for other businesses in your industry.

• A mod of 1.00 is average.

• A mod below 1.00 means you’re considered a lower risk, earning you premium discounts.

• A mod above 1.00 means you’re a higher risk and will pay additional premium costs — sometimes a lot more.

Your mod is calculated based on your past claims history over a rolling three-year period. Both the number and severity of claims affect this number.

⸻

Why a Large Debit Mod Is a Big Problem

When your mod rises significantly — especially above 1.20 — it signals to insurance companies, general contractors, project owners, and regulatory agencies that your company may have safety management issues.

Here’s what can happen:

• Higher Insurance Costs: Your workers’ comp premium can skyrocket, eating into profits.

• Lost Work Opportunities: Many general contractors and job owners won’t work with subcontractors whose mod exceeds a certain number, often 1.20+.

• Hurt Reputation: A high mod makes it harder to prove to customers and partners that your job sites are safe.

• Regulatory Action: In states like New York, if your mod reaches 1.20 or higher, the New York State Workers’ Compensation Board requires you to undergo a Regulation 59 Safety and Loss Prevention Consultation.

⸻

What Is Regulation 59?

Regulation 59 is a New York State rule designed to improve job site safety for businesses with poor workers’ compensation claim records.

If your experience mod reaches 1.20 or higher, the Workers’ Compensation Board mandates that your company complete a Regulation 59 Safety and Loss Prevention Consultation.

This involves:

1. Hiring a State-Approved Safety Consultant: The consultant conducts a full safety inspection and workplace analysis.

2. Receiving a Written Report: The consultant provides a formal safety and loss prevention report, identifying deficiencies and recommending corrective actions.

3. Implementing Required Safety Improvements: You’re expected to correct identified hazards and implement improved safety measures within a designated timeframe.

4. Providing Documentation of Compliance: You’ll need to submit evidence to the state proving the recommendations have been addressed.

Failure to comply can result in penalties, increased premiums, or even cancellation of your workers’ compensation policy.

⸻

How This Impacts Doing Business with Customers

When customers or general contractors learn that your mod has reached 1.20+ and you’re under a Regulation 59 consultation, it can damage their confidence in your company’s ability to maintain safe job sites.

Common issues contractors face include:

• Being removed from approved vendor lists.

• Losing bids or being prohibited from bidding on new work.

• Facing difficult questions about your safety practices and insurance status.

• Customers demanding proof of corrective actions, updated safety programs, and insurance endorsements like waivers of subrogation.

To avoid losing business, you’ll need to take immediate steps to address these concerns and show you’re actively working to improve.

⸻

What You Can Do to Appease Customers

1. Be Proactive and Transparent:

Inform your customers and general contractors before they hear about your situation elsewhere. Be upfront about the mod increase and your commitment to resolving the issue.

2. Develop a Corrective Action Plan:

Create a written plan outlining the steps you’re taking to improve job site safety, including hiring a Regulation 59 consultant, enhancing safety training, and upgrading equipment.

3. Communicate Progress Regularly:

Keep your clients informed as you complete safety consultations, implement recommendations, and improve conditions. Share reports, safety meeting logs, and any new policy changes.

4. Offer Additional Insurance Protections:

Ensure your policies include endorsements like Regular 59 Waivers of Subrogation, which may ease liability concerns for customers and keep projects moving.

5. Work with a Workers’ Comp Specialist:

Navigating this situation alone is tough, especially when many insurance brokers don’t have experience with high-mod accounts. Partner with a specialist who understands these challenges and can help you move forward.

⸻

How BGES Group Can Help

When your mod rises above 1.20 and Regulation 59 requirements hit, you need a broker who knows how to handle high-risk workers’ compensation accounts. That’s where BGES Group shines.

BGES Group specializes in workers’ compensation coverage for contractors — especially those facing large debit mods and tough regulatory challenges.

Here’s what BGES Group can do for you:

• Policy Review and Mod Analysis: They’ll analyze your current insurance program, claims history, and mod calculation to identify problems and solutions.

• Find New Markets: BGES Group works with insurance carriers willing to cover contractors with high mods when other brokers can’t find a home for your policy.

• Assist with Regulation 59 Compliance: They’ll guide you through the Regulation 59 process, help connect you with approved safety consultants, and assist in drafting corrective action plans.

• Negotiate Better Terms: Even with a high mod, BGES Group can advocate on your behalf to secure competitive terms and coverage improvements.

• Help Lower Your Mod Over Time: By improving your safety programs and claim management strategies, BGES Group helps position your business to reduce your mod in future rating periods.

⸻

Contact BGES Group Today

If your experience mod is on the rise — or already above 1.20 — don’t wait until your insurance gets canceled or you lose major clients. Call the experts who can help turn the situation around.

Contact BGES Group:

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: http://www.bgesgroup.com

⸻

Final Thoughts

A large debit mod is a serious issue for contractors, but it’s one you can overcome with the right approach. Be transparent with your clients, comply with Regulation 59 requirements, and work with a proven workers’ comp specialist like BGES Group to stabilize your insurance, protect your business relationships, and lower your mod over time.

In contracting, reputation and compliance are everything — and having the right partner can make all the difference.