Workers’ compensation programs are a vital safety net for both employees and employers, providing financial protection in the event of work-related injuries or illnesses. As a business owner in New York, New Jersey, or Connecticut, selecting the right workers’ compensation plan can be a challenging task. In this article, we’ll explore four types of workers’ compensation programs: Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans. We’ll also introduce BGES Group, a reliable partner that simplifies the process and offers one-stop shopping for all your coverage needs.

1. Guaranteed Cost Workers’ Compensation Program

The Guaranteed Cost workers’ compensation program is a popular choice for many business owners. This plan provides predictable premium costs, allowing you to budget with confidence. With Guaranteed Cost, your premium is calculated based on your company’s payroll and industry risk factors. This stable model ensures that your costs won’t fluctuate due to claim frequency or severity.

2. Payroll/Workers Compensation Program

Payroll/Workers Compensation programs combine payroll services with workers’ compensation insurance, streamlining the administrative process. By integrating these services, business owners can save time and effort while maintaining compliance with state regulations. This type of plan is particularly beneficial for small to medium-sized enterprises that prefer a hassle-free approach to managing payroll and insurance.

3. Professional Employer Organization (PEO)

PEOs are a unique solution for business owners who want to outsource their HR and employee management functions. When you partner with a PEO, they become the employer of record for your staff, handling payroll, benefits, and workers’ compensation on your behalf. This arrangement not only simplifies administrative tasks but also grants access to cost-effective insurance plans, leveraging the PEO’s larger pool of employees.

4. State Plans

State Type Plans are government-operated workers’ compensation programs designed to ensure coverage for businesses that may have difficulty obtaining insurance through traditional channels. These plans vary by state, but they generally offer benefits similar to private insurance options. They can be a viable choice for business owners in specific industries or with unique risk profiles.

Why Choose BGES Group?

BGES Group is your trusted partner in navigating the complex world of workers’ compensation programs. With extensive experience in serving businesses in New York, New Jersey, and Connecticut, BGES Group understands the unique needs and challenges faced by local entrepreneurs.

One-Stop Shopping

One of the standout advantages of working with BGES Group is their commitment to providing comprehensive coverage solutions. Whether you’re a contractor, logistics company, auto service, limousine service, manufacturer, or any other type of business owner, BGES Group offers tailored plans to suit your specific requirements.

Representing the Best Plans

BGES Group has established relationships with leading insurance providers and represents the best workers’ compensation plans available. This means that when you work with BGES Group, you gain access to a diverse range of options, each designed to meet the needs of different industries and business sizes.

Expert Guidance

Choosing the right workers’ compensation program can be overwhelming, but BGES Group simplifies the process. Their team of knowledgeable professionals will guide you through the selection process, helping you understand the nuances of each plan and selecting the best fit for your business.

Workers’ compensation is a critical component of your business’s success and the well-being of your employees. Understanding the different types of workers’ compensation programs available – Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans – is essential in making the right decision.

BGES Group stands out as a reliable partner for New York, New Jersey, and Connecticut business owners seeking the best workers’ compensation plan. Their commitment to one-stop shopping, representing the best plans, and providing expert guidance ensures that you can focus on what you do best – running your business – while knowing you and your employees are well protected.

So why wait? Reach out to BGES Group today (for immediate help call Gary Wallach at 914-806-5853 – he is available Monday thru Sunday 6:30am till 10PM) and secure the ideal workers’ compensation plan for your business. With their support, you can rest assured that you’re making a sound and informed decision for the future of your company and your valued employees.

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

In the bustling construction industry of New York, where skyscrapers reach for the clouds and projects seem never-ending, contractors face numerous challenges. One essential aspect often overlooked is liability insurance. Understanding the ins and outs of New York contractors liability insurance, especially when it comes to coverage for subcontractors, can make or break your business’s financial security.

Coverage for Subcontractors:

Subcontractors are a vital part of most construction projects. However, relying on them without proper insurance coverage can expose your business to substantial risks. To safeguard against this, insurance liability companies often attach specific requirements to ensure subcontractors carry minimum liability limits and certain coverages. Failure of  subs to carry what your insurance company requires may cause denial of a claim.

The Consequences of Inadequate Coverage: In the construction world, accidents can happen despite the strictest safety measures. In the event of an incident due to a subcontractor’s negligence, having inadequate coverage can be devastating. This is where these insurance clauses come into play.

1. Standard Independent Coverage: Some liability policies offer standard independent coverage, which is the most lenient form of protection. This means that if a subcontractor fails to meet the minimum coverage requirements, the contractor is still covered, but there may be some financial repercussions.

2. Soft Hammer Independent Contractors Clauses: Others have what is known as soft hammer independent contractors clauses. In this scenario, if a subcontractor doesn’t meet the specified coverage and limits, the contractor is still covered, but they could be responsible for paying a sizable deductible and may face higher insurance premiums as a result.

3. Hard Hammer Independent Contractor Clause: The most restrictive of all is the hard hammer independent contractor clause. In this case, if a subcontractor fails to carry the minimum coverage requirements, there will be no coverage in the event of a claim. This can put a significant financial burden on the contractor and jeopardize the entire project.

Navigating the Complex World of Liability Insurance: With so much at stake, New York contractors need a trusted partner to navigate the intricate web of liability insurance. This is where the BGES Group steps in to provide essential support and guidance.

How BGES Group Can Help: The BGES Group specializes in assisting New York contractors in managing their insurance needs effectively. We offer programs designed to help screen subcontractor insurance to ensure they meet the necessary requirements, thereby minimizing risks for your business.

Our team of experts understands the unique challenges faced by contractors in the New York construction industry. We can help you decipher the complexities of liability insurance, ensuring that both you and your subcontractors are adequately protected.

In conclusion, New York contractors liability insurance is a crucial aspect of safeguarding your business in the construction industry. Understanding the varying degrees of coverage for subcontractors and the associated clauses is essential for making informed decisions. Whether your policy has a standard independent coverage clause (which almost none do), a soft hammer clause, or hard hammer clause, the key is to ensure that your subcontractors meet the minimum coverage requirements to avoid potential financial disasters. With the assistance of the BGES Group, you can confidently navigate the insurance landscape, protecting your business and securing its future in the dynamic world of New York construction.

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

In the realm of business management, every step towards efficiency and cost-effectiveness counts. BGES Group, a pioneer in providing innovative business solutions, has unveiled a groundbreaking program designed to streamline and optimize your company’s health plans, workers’ compensation, and payroll management. This master program combines a diverse selection of 11 group health plans (that has a massive number of providers) unparalleled savings on workers’ compensation, and a user-friendly payroll system. Let’s delve into the details of how this program can revolutionize your business operations and save you substantial time and money.

**The Power of Choice: Tailored Group Health Plans**

One of the standout features of BGES Group’s program is its diverse offering of 11 group health plans. From low to high deductibles, HMO to PPO, these plans are designed to cater to various needs and preferences. This flexibility empowers businesses to select the plan that aligns perfectly with their workforce and budget. The variety of choices ensures that you don’t settle for a one-size-fits-all approach, allowing your employees to access healthcare that suits their unique requirements.

**Substantial Savings with Group Health Plans**

BGES Group’s group health plans aren’t just about options; they’re also about big savings. By leveraging the strength of a collective pool, businesses can tap into cost advantages that wouldn’t be possible through individual plans. The sheer volume of participants in the group health plans leads to reduced premiums, making quality healthcare accessible without straining your financial resources.

**National Network, Local Care: Extensive Healthcare Coverage**

The program’s group health plans come with a national network that features a vast array of local doctors and medical professionals. This expansive network ensures that your employees have access to top-tier medical facilities and services, no matter where they are located. This means peace of mind for both you and your employees, knowing that healthcare is easily accessible when needed.

**Seamless Claims Processing and Support**

Navigating insurance claims can often be a complex and time-consuming process. BGES Group has taken care of this by setting up a dedicated human resources department that specializes in assisting with claims. Their experts are skilled in ensuring swift and hassle-free claims processing, allowing you to focus on running your business while your employees receive the benefits they deserve.

**Revolutionizing Workers’ Compensation**

In addition to revolutionizing health plans, BGES Group’s program brings remarkable changes to workers compensation insurance. The program’s workers’ compensation offering is tailored to save businesses money while providing comprehensive coverage. Even if your accounts have a history of poor loss experiences, this program can cover them. Gone are the days of invasive audits; the pay-as-you-go structure eliminates unnecessary complexities and ensures that your business only pays for what it uses.

**Tailored Coverage Across Industries**

BGES Group’s program extends its benefits beyond traditional business boundaries. Whether you’re in the realm of contracting, limousine services, moving and storage, or trucking, the program has you covered. Its adaptability across various industries underscores its commitment to providing tailored solutions that meet specific industry needs.

**Reach Out for More Information**

Are you ready to take your business’s benefits and management to the next level? For more information and to explore how BGES Group’s program can transform your operations, get in touch with Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. The team is eager to guide you through the process and help you unlock a more streamlined and cost-effective approach to business management.

In conclusion, BGES Group’s innovative program offers a holistic approach to business benefits, combining a diverse range of group health plans, game-changing workers’ compensation, and an intuitive payroll system. The focus on choice, savings, and tailored coverage across industries sets this program apart. By simplifying complexities and reducing costs, BGES Group empowers businesses to thrive in their respective fields while ensuring the well-being of their employees.

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

In the bustling construction industry of New York, contractors are no strangers to the challenges of managing payroll, workers’ compensation, and group health coverages. These intricacies not only demand meticulous attention but also substantial financial resources. Enter BGES Group, a pioneering solution that offers contractors the opportunity to streamline and optimize these vital aspects of their business operations.

The Challenges Faced by New York Contractors:

For contractors in New York, navigating the intricacies of payroll management, workers’ compensation, and group health insurance can be an overwhelming task. These responsibilities are not only time-consuming but can also result in exorbitant costs, causing a significant dent in a contractor’s bottom line. Moreover, the process can become even more complex due to varying rates, auditing requirements, and claims services.

The BGES Group Advantage:

BGES Group steps in as a game-changer, offering contractors a comprehensive master program that combines payroll, workers’ compensation, and group health coverages. The central premise of the program is to consolidate these critical elements under one roof, streamlining processes, minimizing administrative overhead, and maximizing savings.

1. **Substantial Cost Savings**: One of the most enticing benefits of the BGES Group program is the potential to save up to 30 percent on costs. For contractors dealing with significant payroll and coverage expenses, this reduction can translate to substantial financial relief. This saved capital can then be reinvested into the business for growth or used to enhance other operational areas.

2. **Efficiency and Simplicity**: With the master program, contractors no longer need to juggle multiple providers or navigate convoluted processes. BGES Group simplifies everything, providing a unified solution that ensures smoother operations. This newfound efficiency can free up valuable time and resources, allowing contractors to focus on what they do best—constructing exceptional projects.

3. **Enhanced Health Coverage**: Beyond cost savings, BGES Group also recognizes the importance of providing superior health coverage to contractors and their workforce. The program offers access to better group health insurance plans, ensuring that both the contractors and their employees receive comprehensive coverage for their medical needs. This dual advantage of cost savings and improved coverage is a remarkable incentive for contractors to consider BGES Group.

4. **Relief from Frustrations**: Contractors who have been grappling with issues related to workers’ compensation rates, insurance coverage, audits, or claims services finally have a solution to their woes. BGES Group acts as a beacon of relief, offering a way to alleviate these persistent concerns. By placing these responsibilities in the capable hands of BGES Group, contractors can experience a newfound sense of peace and security.

In conclusion, BGES Group presents a revolutionary opportunity for New York contractors to transform their business operations and financial outlook. The prospect of consolidating payroll, workers’ compensation, and group health coverages under a master program can save contractors a substantial amount—up to 30 percent in some cases. This level of savings has the potential to significantly impact a contractor’s profitability and longevity in the competitive construction industry.

Furthermore, the promise of enhanced health coverage and relief from the frustrations of managing various administrative aspects is a compelling incentive for contractors to explore what BGES Group has to offer. The simplified, efficient, and comprehensive approach provided by the program can enable contractors to refocus their efforts on delivering exceptional projects while leaving the intricacies of payroll and insurance in capable hands.

If you’re a contractor in New York seeking financial relief, efficiency, and improved coverage, it’s time to take action. Pick up the phone, give BGES Group a call, and unlock a future where your business thrives with streamlined operations and substantial savings. Your journey towards a brighter, more prosperous construction business begins with a single call to BGES Group.

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

Unhappy with Your General and Umbrella Liability Rates or Coverage?  Let Us Market Your Account To Our Network of 50 Companies and Get You Better.  Call Gary Wallach at 914-806-5853 and Get Help Today!

In the bustling world of New York contractors (we service the tri-state area), finding the right insurance coverage can often feel like navigating a maze. With liability, auto, workers’ compensation, and group health needs at stake, it’s crucial to have an insurance agency that not only understands your requirements but also provides reliable, hassle-free service. That’s where BGES Group steps in, standing out amongst insurance agencies with its customer-centric approach and unmatched expertise.

**Unparalleled Access to Insurance Programs**

BGES Group has positioned itself as a one-stop solution for contractors’ insurance needs. What sets them apart is their representation of the best contractor insurance programs available in the market. With access to up to 50 insurance companies to market your account to, BGES Group ensures that you’re not limited to a narrow range of choices. This extensive network allows them to tailor insurance solutions that precisely match your needs, without compromising on coverage or cost-effectiveness.

**Experience Counts**

Unlike some agencies that may have inexperienced staff managing accounts, BGES Group prides itself on having a seasoned professional who understands the unique challenges faced by contractors. With years of industry experience, their expert possess both book smarts and street smarts, making them well-equipped to navigate the complexities of contractor insurance.

**Personalized Attention in a Factory World**

In an era where larger insurance agencies have turned into impersonal factories, acquiring smaller agencies and overwhelming account executives with hundreds of clients, BGES Group stands out for its personal touch. They prioritize each client, providing tailored advice and support that larger agencies often struggle to offer. With BGES Group, you’re not just another account number – you’re a valued partner.

**No Hidden Fees, No Worries**

A common concern among contractors seeking insurance is the addition of hidden fees that can catch them off guard. Unlike many agencies that tack on thousands of dollars in policy and service fees (which shows whose best interests they have in mind…theirs), BGES Group takes a refreshing approach. They understand that every dollar counts for contractors, and therefore, they don’t charge extra policy or service fees. This commitment to transparency ensures that you’re getting the coverage you need without any unpleasant surprises.

**Construction Insurance Experts at Your Service**

One of the key differentiators of BGES Group is their expertise in construction insurance. While many account executives at other agencies may have a general understanding of insurance, BGES Group’s specialist are true experts in the field. They comprehend the intricacies of contractor insurance, enabling them to provide insights and solutions that are tailored to the unique risks faced by contractors in New York.

**Accessible and Responsive**

Getting in touch with your insurance agency shouldn’t feel like a game of phone tag or an endless wait for email replies. BGES Group understands the importance of accessibility and responsiveness. With them, you’ll find it easy to connect with their expert, whether you need immediate assistance or have questions about your coverage. Their commitment to being available and responsive ensures that you’re never left in the dark when it comes to your insurance needs.

**Comprehensive Coverage**

BGES Group is more than just an insurance agency – they’re your partners in securing your business’s future. They offer a wide range of coverage options, including builders’ risk, general liability, umbrella liability, business auto, workers’ compensation, NYS disability, bonds, and group health. This comprehensive approach means that you can rely on BGES Group to handle all your insurance needs under one roof, saving you time and effort.

**Meet Your Expert: Gary Wallach**

For contractors seeking top-notch insurance solutions, BGES Group’s expert, Gary Wallach, is your go-to contact. With a deep understanding of the industry and a genuine commitment to helping contractors succeed, Gary is both knowledgeable and approachable. You can reach him at 914-806-5853 or via email at bgesgroup@gmail.com.

In the ever-changing landscape of contractor insurance, BGES Group stands as a beacon of reliability, expertise, and personalized service. With their extensive network of insurance providers, experienced team, transparent pricing, and dedication to meeting your needs, they’re the ideal partner for New York contractors looking for peace of mind and comprehensive coverage. Get in touch with BGES Group today and experience the difference for yourself.

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

Every organization has risks; and while they vary for each business and industry, risks are unavoidable. Therefore, every organization, whether it realizes it or not, practices risk management. Those who do it well reduce their costs, particularly for insurance premiums and any deductible outlays they may incur.

Step one

Start by identifying your organization’s loss exposures. They could be any buildings or property you own, such as furniture or goods held for sale.

They could be cars, trucks, machinery or heavy equipment used in the business. They could also be activities you perform, such as consulting, printing or software design. Finally, they could be products the firm makes or sells, or its finished work.

The next step is deciding how to control the exposures your business faces.

Risk avoidance: Deciding not to take on that exposure. An organization decides not to take on a new project to avoid future liability for defective work.

Loss prevention: Taking on the exposure and trying to keep losses from happening. A hardware store bars customers from entering the lumber area where there are forklifts and other dangers.

Loss reduction: Taking steps to make losses that do happen less severe. A printing plant places fire extinguishers in all areas where fires may start in the facility, like paper storage areas, ink storage areas and near large printing presses.

Contractual transfer of risk: Signing a contract with someone else who agrees to take on the risk. A building owner rents its building with a lease that requires the tenant to obtain insurance on it.

Risk retention: Bearing the cost of some losses without outside help. A jewelry store decides to absorb up to $5,000 in theft losses.

Insurance: Buying insurance to cover the cost of losses the organization does not want to retain. A manufacturer purchases business interruption coverage to pay for lost revenues due to supply-chain disruptions or natural disasters that keep it from operating.

Implementation

Once you have selected one or more risk management techniques, you must put them into action. This can take the form of protective gear for employees; regular maintenance for vehicles; first aid kits; good housekeeping to prevent slips and falls; advance planning for weather emergencies; reserve funds for retained losses; and purchase of insurance, among other things.

The last step is to monitor the risk management program’s effectiveness and make adjustments as needed. This will take time as you will need to collect data and record events that may trigger claims.

Organizations that practice good risk management can realize several benefits.

One of the foremost is reduced insurance premiums. A business that actively controls its risks is very attractive to insurers. It will find itself the object of competition from several companies, each of whom will try to offer the lowest premiums.

Also, the more losses the insured retains in the form of higher deductibles, the less the insurer has to pay. The insurer will lower the premium to reflect its own reduced risk.

Risk management has other benefits. Some losses, such as disruption of work schedules and time spent on post-accident paperwork, are not insurable.

Also, safe workplaces attract good workers. Companies with poor safety records may have trouble winning bids on projects. For the good of its operations, reputation and bottom line, every organization should make risk management a priority.

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 a contractor in New York with your General Liability, Umbrella Liability, or Workers’ Compensation coverages coming up for renewal soon? If you’re facing challenges like poor loss experience, restrictive coverage, exorbitant rates, last-minute quotes, policy fees, or difficulty covering independent contractors, the BGES Group specialists in construction insurance are here to provide a straightforward solution. Our goal is simple: to help contractors like you find better coverage and better rates without the hassle.

**1. Overcoming Poor Loss Experience:**

Struggling with a history of losses that’s impacting your ability to secure affordable coverage? At BGES Group, we understand the challenges you face. Our team specializes in navigating these situations, connecting you with insurance options tailored to your needs, even if you’ve had a rocky loss history.

**2. Liberating You from Restrictive Coverage:**

Are you feeling trapped by insurance coverage that’s riddled with restrictions, leaving you less protected than you’d like? Our experts will work with you to understand your specific requirements and provide access to policies that offer comprehensive coverage, freeing you from unnecessary limitations.

**3. Easing the Burden of Exorbitant Rates:**

High insurance rates can cripple your finances. If you’re grappling with exorbitant premiums, BGES Group is here to help. Leveraging our wide network of insurance providers, we’ll shop around for the most competitive rates that align with your budget, ensuring you’re not paying more than necessary.

**4. Say Goodbye to Last-Minute Quotes:**

Tired of your insurance broker springing renewal quotes on you at the last minute? With BGES Group, you won’t have to endure the stress of rushed decisions. We prioritize transparency and timely communication, ensuring you have ample time to review your options before your renewal date.

**5. Eliminating Surprise Policy Fees:**

Hidden policy fees can quickly add up, leaving you frustrated and financially strained. Our commitment to simplicity means you won’t encounter unexpected fees when working with BGES Group. We believe in transparency and will present you with straightforward, honest quotes that don’t hide any surprise charges.

**6. Simplifying Independent Contractor Coverage:**

Navigating the complexities of independent contractor coverage can be challenging, but it’s a challenge we’re well-equipped to tackle. Our experts understand the evolving landscape of contractor relationships and will guide you toward policies that offer clear, effective coverage for your independent contractors.

At BGES Group, we don’t just promise results – we deliver them. With access to a vast array of the best construction programs and partnerships with up to 50 insurance companies, we have the resources and expertise to help you better your insurance situation. We understand that the construction industry is fast-paced and demanding, and your insurance coverage shouldn’t be a source of stress. That’s why we offer a simplified approach, focusing on practical solutions that work for you.

Don’t let the renewal process bog you down. Whether you’re struggling with past losses, coverage limitations, excessive rates, or frustrating brokers, BGES Group is here to provide the relief you need. Our track record speaks for itself – we’ve helped countless contractors like you secure improved coverage and rates that don’t break the bank.

When you partner with BGES Group, you’re choosing a team that values your time, your budget, and your peace of mind. Our straightforward approach to construction insurance means you can focus on what you do best – building and growing your business.

Ready to take control of your insurance renewal? Reach out to BGES Group today and experience the difference of working with specialists who truly understand your needs. Your better coverage and better rates are just a phone call away.

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 contractor insurance 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

In the dynamic world of construction contracting, managing various aspects of business operations efficiently is crucial. One company that stands out in this regard is the BGES Group, which has been assisting contractors for an impressive 42 years. Their innovative program offers a streamlined solution that encompasses payroll, workers’ compensation, and group health coverage, all within one comprehensive package.

One of the most compelling benefits of the BGES Group’s program is the potential for substantial cost savings. By consolidating essential business functions under a single program, contractors can experience a reduction in insurance costs by up to 25 percent or more. This remarkable saving is not only a testament to the efficiency of their approach but also a boon for contractors aiming to optimize their budgets.

The hallmark of BGES Group’s service lies in their commitment to providing first-class assistance. For contractors, navigating the intricacies of insurance, payroll, and workers’ compensation can be overwhelming. BGES Group’s program simplifies this process by offering seamless integration and a user-friendly interface. Moreover, their experienced professionals are readily available to address any concerns or queries. The promise of immediate assistance sets them apart in an industry where timely support can make all the difference.

One aspect that truly distinguishes BGES Group from its competitors is its service-oriented approach. When you reach out to them, you won’t find yourself caught in an endless loop of automated messages. Instead, a real person will answer your call, ready to provide personalized solutions. This level of attentiveness ensures that contractors’ needs are addressed promptly and effectively.

Moreover, BGES Group’s commitment to customer satisfaction goes beyond mere responsiveness. In a business landscape where complications can arise unexpectedly, having a dedicated team at your disposal can prove invaluable. Should any issues arise, you can rest assured that BGES Group will be there to assist you, providing the necessary support to keep your operations running smoothly.

Another noteworthy aspect is their transparent and fair fee structure. While some insurance agencies tack on hefty policy fees, BGES Group operates differently. They understand that contractors deserve transparency and fairness when it comes to costs. Unlike those who charge thousands in additional fees, BGES Group follows a “no charge unless unpaid by your insurance company” policy. This demonstrates their dedication to aligning their interests with those of their clients, fostering a trusting and collaborative partnership.

If you’re currently unsatisfied with your current insurance, payroll, or workers’ compensation setup, it’s worth considering the BGES Group’s program. Taking the step to request a quote could reveal significant opportunities for improvement. With their decades of experience and proven track record, BGES Group has the expertise to assess your needs accurately and tailor a solution that fits your requirements perfectly.

In conclusion, the BGES Group’s program offers an integrated solution that streamlines contractor payroll, workers’ compensation, and group health coverage. With the potential to reduce insurance costs by up to 25 percent or more, the program presents an appealing prospect for contractors seeking efficiency and cost savings. The commitment to first-class service, immediate assistance, and transparent fees further solidify BGES Group’s reputation as a trusted partner in the contracting industry. For those looking to enhance their operational efficiency and financial viability, exploring BGES Group’s comprehensive program is undoubtedly a step in the right direction.

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

In the bustling world of construction, bidding out jobs to contractors is a practice that has become the norm. It allows owners to secure competitive prices and ensures quality work on their projects. However, amidst the complexities of this process, contractors face the need for comprehensive insurance coverage to safeguard their operations, workers, and projects. This is where BGES Group steps in, specializing in insuring tri-state contractors, with a particular focus on the New York construction industry.

**Understanding the Bidding Process:**

Bidding is an essential component of the construction industry. Owners solicit bids from contractors for their projects, and contractors must present their best offer, considering both cost and quality. This competitive process allows owners to choose the contractor that not only provides a reasonable price but also demonstrates the ability to deliver exceptional work.

**The Role of BGES Group:**

BGES Group is a distinguished insurance agency that specializes in serving the unique needs of tri-state contractors, with a keen emphasis on New York’s bustling construction sector. With an impressive network of 50 insurance companies and the best specialized New York construction programs , BGES Group is well-equipped to market contractors’ accounts and find the most suitable insurance solutions. The agency has built a reputation for representing the best New York construction insurance programs, ensuring that contractors have access to tailored coverage that addresses their specific needs.

**Comprehensive Coverage Offered:**

BGES Group offers a wide array of coverage options to cater to the diverse requirements of contractors. Some of the key coverages include:

– **Builders Risk:** Protection against damage or loss to a construction project during its development.

– **Contractor General Liability:** Coverage for bodily injury, property damage, and related legal costs.

– **Umbrella Liability:** Additional liability coverage that goes beyond the limits of underlying policies.

– **Business Auto:** Insurance for vehicles used in the course of business operations.

– **Workers Compensation:** Coverage for workplace injuries, including medical expenses and lost wages.

– **New York State Disability:** Compliance with state requirements for disability insurance.

– **Bid and Performance Bonds:** Ensuring contractors meet their contractual obligations and complete projects as agreed.

– **Group Health Insurance:** Offering health coverage options for employees.

**Value-Added Services:**

Apart from its comprehensive insurance offerings, BGES Group goes the extra mile to provide invaluable services that support contractors throughout their projects:

– **Contract Review:** Ensuring that insurance provisions in contracts align with the contractor’s coverage.

– **Subcontractor Review:** Verifying that subcontractors carry adequate coverage to mitigate potential risks.

– **Certificates of Insurance:** Issuing certificates in a timely manner to meet project requirements.

– **Risk Transfer:** Facilitating the transfer of risk through properly constructed insurance and hold harmless agreements.

– **Safety Manual Preparation:** Assisting in the creation of safety manuals to enhance on-site safety measures.

**Unmatched Customer Service:**

One of BGES Group’s standout features is its commitment to exceptional customer service. When you choose BGES Group, you’re not just dealing with an agency – you’re collaborating with a dedicated partner. Each call is answered promptly by the same experienced professional with over 42 years of industry knowledge. Emails and texts receive immediate responses, ensuring that your concerns are addressed swiftly. Additionally, BGES Group stands out by not charging extra policy and service fees that some agencies impose. These fees charged by others can amount to thousands, tens of thousands of dollars. Unless BGES Group does not get paid by a carrier, they do not make such charges. This transparent approach reflects the agency’s dedication to putting clients’ interests first.

**Contact BGES Group Today:**

If you’re a tri-state contractor, especially in the vibrant New York construction industry, BGES Group is your trusted ally in securing the right insurance coverage. With a comprehensive range of coverages, personalized services, and unmatched customer support, BGES Group ensures that your projects are safeguarded, your workers are protected, and your business is poised for success. For a complimentary insurance review and consultation, reach out to Gary Wallach at 914-806-5853. Whether it’s a weekday or weekend, BGES Group is there to assist whenever you have the time.

In conclusion, BGES Group’s specialization in insuring tri-state contractors, particularly in New York, fills a crucial gap in the construction industry. By providing tailored coverage, comprehensive services, and unmatched customer support, BGES Group ensures that contractors can focus on delivering exceptional work while their insurance needs are expertly managed.

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

Labor laws play a crucial role in safeguarding the rights and safety of workers in various industries. In New York, two prominent labor laws, namely Labor Law 240 and Labor Law 241, have significant implications for contractors and their liability insurance. These laws aim to ensure the well-being of construction workers and provide them with necessary protections against accidents and injuries that may occur on the job.

**Understanding Labor Laws 240 and 241**

**Labor Law 240**, often referred to as the “Scaffold Law,” places strict liability on contractors and property owners for injuries sustained by workers who fall from elevated heights or due to falling objects. This law holds them accountable for providing proper safety equipment, training, and measures to prevent such accidents. The goal of this law is to ensure that workers are protected from the risks associated with working at elevated heights, where the potential for serious injuries is high.

**Labor Law 241**, on the other hand, sets specific safety standards for construction, excavation, and demolition work. It outlines the responsibilities of contractors and property owners to maintain a safe work environment that complies with established safety codes and regulations. Unlike Labor Law 240, which focuses on injuries resulting from falls and falling objects, Labor Law 241 encompasses a wider range of potential hazards at construction sites.

**Application to New York Contractors’ Liability Insurance**

For contractors in New York, understanding and complying with Labor Laws 240 and 241 are essential not only to ensure the safety of their workers but also to protect themselves from potential liability. Liability insurance is a critical aspect of risk management for contractors, as it helps cover the costs associated with legal claims, medical expenses, and property damage resulting from accidents on the job.

When it comes to Labor Laws 240 and 241, liability insurance becomes even more crucial. Contractors must ensure that their insurance policies adequately cover the potential risks and liabilities associated with accidents covered by these laws. Inadequate coverage could lead to significant financial setbacks in the event of a claim.

**Examples of Labor Law Claims**

To better understand the impact of Labor Laws 240 and 241 on contractors and their liability insurance, let’s explore three hypothetical examples of labor law claims:

1. **Falling Object Injury (Labor Law 240):** A construction worker is injured when a heavy tool falls from a higher floor and strikes him. Under Labor Law 240, the contractor and property owner could be held liable for failing to provide proper safeguards to prevent such accidents. The injured worker could file a claim seeking compensation for medical expenses, lost wages, and pain and suffering.

2. **Unsafe Worksite (Labor Law 241):** In another scenario, a construction worker is injured when a trench collapses due to inadequate shoring. According to Labor Law 241, contractors and property owners are responsible for maintaining a safe worksite and adhering to established safety standards. The injured worker might file a claim based on the violation of Labor Law 241, seeking compensation for injuries sustained due to the unsafe worksite conditions.

3. **Fall from Height (Labor Law 240):** A construction laborer falls from a scaffold due to lack of proper safety equipment and training. Labor Law 240 imposes strict liability on contractors and property owners for injuries resulting from falls at elevated heights. The injured worker could pursue a claim against both the contractor and property owner, holding them accountable for the accident and seeking compensation for damages.

**How BGES Group Assists New York Contractors**

Navigating the complexities of Labor Laws 240 and 241 and securing appropriate liability insurance can be daunting for New York contractors. This is where the BGES Group comes into play. The BGES Group specializes in providing tailored insurance solutions for contractors, ensuring that they have the coverage they need to comply with labor laws and protect their businesses.

With a deep understanding of the construction industry and New York labor laws, the BGES Group assists contractors in purchasing quality liability insurance that aligns with their specific needs. They work closely with contractors to assess their risks, identify potential gaps in coverage, and create comprehensive insurance packages that address the requirements of Labor Laws 240 and 241.

In conclusion, Labor Laws 240 and 241 are critical components of New York’s labor regulations, aiming to provide a safe working environment for construction workers. These laws have a significant impact on contractors’ liability insurance, as they can lead to claims that require proper coverage to mitigate financial risks. Contractors need to be well-informed about these laws, and partnering with experts like the BGES Group can help ensure compliance and adequate protection in the face of potential liabilities.

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

contractors liability insurance – NY

contractors liability insurance