If you’re a contractor operating in New York, New Jersey, or Connecticut, there’s a critical question you need to ask yourself right now: Is your workers’ compensation insurance being cancelled?

It’s a reality many contractors in the Tri-State area are facing. The market has tightened, premiums are on the rise, and insurance carriers are becoming more selective about who they insure. If you’ve received a non-renewal notice, cancellation letter, or your broker has warned you that your policy is at risk, don’t panic—but don’t ignore it either.

Workers’ compensation insurance is not just a formality. It’s a legal requirement and a lifeline for your business. Without it, you risk fines, lawsuits, and potentially losing your license. Plus, you expose yourself to serious financial liability if an employee gets injured on the job.

Before you find yourself scrambling for last-minute coverage, it’s important to understand why these cancellations happen and what you can do about it. Let’s dive into the most common reasons policies get cancelled and how you can stay ahead of the game.

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5 Common Reasons Workers’ Compensation Policies Get Cancelled

1. Payment Issues / Missed Payments

One of the most common reasons for cancellation is simply missing payments. Whether it’s due to cash flow issues or oversight, insurance carriers don’t wait around. If you’re late, even by a few days, they may cancel your policy. In some cases, just one bounced payment can trigger a cancellation notice.

2. High Loss Ratios or Frequent Claims

If your company has had several workers’ compensation claims—or even just one severe injury—that can be a red flag to insurers. A high loss ratio makes your business appear risky. If claims outweigh the premium you’re paying, carriers may decide you’re too costly to insure and cancel your policy.

3. Misclassification of Employees

Misclassifying employees, whether intentional or accidental, can lead to big trouble. If you’re listing high-risk workers (like roofers or demo crews) as low-risk clerical employees to lower premiums, it’s a red flag. Audits will catch it, and your policy could be cancelled or re-rated retroactively, leading to massive bills.

4. Failure to Comply with Audit Requests

All workers’ comp policies are subject to audits. If you don’t cooperate with audits or fail to provide the required documentation, your carrier can cancel the policy outright. It’s viewed as non-compliance, which insurers see as a liability.

5. Business Structure Changes or Unreported Growth

Did your business expand quickly? Take on more employees or start working in another state? If you didn’t report those changes to your insurer, they may cancel your policy for material misrepresentation. Insurers want transparency and full disclosure. If you hide changes—even unintentionally—it could cost you.

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BGES Group: Your Workers’ Comp Lifeline

If your workers’ compensation policy has been cancelled—or if you’ve been warned that it will be—you’re not alone. The good news is there’s help.

BGES Group specializes in helping contractors in the Tri-State area find new, affordable workers’ compensation coverage—even if they’ve been cancelled, non-renewed, or declined elsewhere.

We understand the construction industry. We know the risks, the paperwork, the classifications, and the unique challenges that come with insuring contractors. That’s why we don’t just offer cookie-cutter solutions—we tailor coverage to your specific needs and risk profile.

We work with top-rated insurance carriers who are contractor-friendly, and we’ve helped hundreds of businesses just like yours get back on track with the coverage they need to keep working.

Whether you’re:

• A general contractor

• A roofer, framer, mason, or concrete contractor

• In demolition or asbestos abatement

• Running payroll or using 1099s

• Operating with union or non-union labor

We can help you secure affordable, legally compliant coverage without the stress.

We also understand the urgency. You can’t afford to wait weeks for quotes or get bogged down in paperwork. We move fast—and make the process simple.

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Don’t Risk Going Uninsured—Call BGES Group Today

If your workers’ compensation coverage is being cancelled—or if you’re concerned it might be—it’s time to take action. Let BGES Group help you secure the coverage your business needs to stay protected, stay compliant, and keep your projects moving forward.

Contact Gary Wallach at BGES Group Today:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t wait until it’s too late. We’re here to help you find the right coverage at the right price—fast.

Let’s get you back to work with peace of mind.

Donald Trump is back in the White House, and with his return comes a wave of policy changes that are set to impact nearly every sector of the American economy—including construction. Whether you’re a general contractor, subcontractor, or run a construction business with multiple crews, the next four years will present both opportunities and challenges.

As someone who made his name in real estate and construction, President Trump understands the industry. But while his administration is expected to push for deregulation and pro-business policies, contractors must still navigate uncertainty around labor, material costs, compliance, and insurance.

So, what can construction business owners expect now that Trump is back—and more importantly, how can they survive and thrive during his second presidency?

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What the Trump Administration Could Mean for the Construction Industry

1. A Renewed Focus on Infrastructure

One of Trump’s most talked-about policy goals is a massive investment in American infrastructure. If passed, this initiative could unlock billions of dollars in federal funding for roads, bridges, tunnels, airports, and public buildings. For contractors, this means an influx of work—especially for those who are bonded, certified, and capable of handling government contracts.

2. Regulatory Rollbacks

Trump’s first term was marked by aggressive deregulation, and this term is expected to be no different. For construction, this could mean loosened environmental restrictions, a faster permitting process, and reduced red tape from OSHA and other agencies. While this may lower compliance costs and speed up projects, contractors will still need to maintain high safety and quality standards to avoid liability.

3. Tightening Labor Supply

With stricter immigration enforcement likely to return, construction companies may face even greater difficulty finding skilled labor. Many contractors already struggle to hire qualified workers, and further restrictions could make the situation worse. Expect increased labor costs and delays unless firms proactively recruit and train talent.

4. Material Cost Volatility

During Trump’s first term, tariffs on steel, aluminum, and other imported materials drove up prices. If similar trade policies return, contractors will need to keep a close eye on material sourcing and plan for price fluctuations. Fixed-bid projects could become riskier, and smart purchasing strategies will become essential.

5. Tax Relief for Businesses

On the plus side, Trump is expected to extend or renew pro-business tax cuts. Contractors organized as LLCs, S-corporations, or sole proprietorships may benefit from favorable tax treatment, allowing more capital for reinvestment. Make sure your business is structured to take full advantage.

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How Contractors Can Stay Competitive Under Trump

The next four years could be a gold rush or a minefield—it depends on how prepared you are. Here are several key strategies to keep your business healthy and profitable:

1. Position for Government Contracts

With federal infrastructure funding likely, now’s the time to get certified for public work. Consider becoming DBE (Disadvantaged Business Enterprise) certified, explore bonding options, and register for your state and federal procurement systems.

2. Invest in Your Workforce

The labor shortage isn’t going away. Build relationships with local trade schools, invest in training programs, and look into employee retention strategies like performance incentives or career development paths. Your crew is your greatest asset.

3. Improve Efficiency Through Technology

Construction tech is advancing rapidly. Project management software, digital blueprints, drone surveys, and GPS tracking can help you cut costs, reduce waste, and improve timelines. Contractors who adopt smart technology will outperform those who don’t.

4. Lock in Material Prices and Strengthen Supplier Relationships

With tariffs returning, expect prices to rise quickly. Build strong supplier partnerships and negotiate contracts to lock in pricing when possible. It could make or break your margins.

5. Reevaluate Your Insurance and Risk Management Strategy

Now more than ever, contractors need the right workers’ comp plan. If your current program isn’t serving you—whether it’s too expensive or doesn’t offer enough support—it’s time to make a change.

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Contractors: Are You Overpaying for Workers’ Comp? There’s a Better Way.

BGES Group offers specialized workers’ compensation programs designed for contractors like you.

If you’re tired of paying too much, struggling with poor service, or dealing with claims headaches, it’s time to talk to us. We’ve helped countless construction companies in the Tri-State area (New York, New Jersey, Connecticut) lower their premiums, improve claims response, and stay protected with policies that actually make sense for their business.

Even better—we’ve got a trusted associate who helps contractors across the rest of the U.S., so no matter where you’re located, we’ve got you covered.

Our workers’ compensation programs offer:

• Competitive pricing

• Contractor-specific policy structures

• Fast claims handling

• Safety and loss control support

• Hands-on service that puts your business first

Whether you’re a one-crew operation or running multiple jobs across the state, we can help you protect your people and your profits.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to get started today.

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BGES Group: Your Construction Insurance Partner

The Trump presidency will bring change—and with change comes opportunity. Contractors who adapt quickly, stay informed, and make smart moves will not only survive the next four years—they’ll grow stronger.

At BGES Group, we understand contractors. We’ve been working with construction businesses for decades, and we know what it takes to protect you in good times and tough times.

If you’re not 100% satisfied with your current workers’ comp provider, or you just want to see if there’s a better option, give us a call. We’ll show you how to:

• Lower your premiums

• Improve claim outcomes

• Reduce downtime and keep your team safe

• Get real service from people who know your business

Contact Info:

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

We proudly serve the Tri-State area, and with our national associate network, we help contractors across the U.S. get the coverage and service they deserve.

BGES Group – Protecting Builders, One Policy at a Time.

Because your business isn’t just building projects—it’s building your future. Let’s make sure it’s protected.

If you’re a contractor in the Tri-State area (New York, New Jersey, and Connecticut), you know that protecting your business isn’t just about wearing a hard hat—it’s about making smart decisions when it comes to insurance. From workers’ compensation to general liability and everything in between, the risks are real, the coverage matters, and who you choose as your insurance broker can make or break your business.

That’s where BGES Group comes in.

For over 40 years, BGES Group has been the go-to insurance brokerage for contractors like you. Whether you’re a general contractor, plumber, electrician, landscaper, or mason, BGES Group speaks your language and delivers tailored insurance solutions that truly work for your business—not against it.

10 Reasons Contractors Should Contact BGES Group Today

1. Workers’ Compensation Specialists

BGES Group is laser-focused on workers’ compensation. If you’ve been struggling with high premiums, audits, or claims, they have the experience and markets to turn your situation around—fast.

2. They Save Contractors Money

BGES Group routinely saves contractors thousands of dollars annually. How? By understanding the intricacies of your trade, properly classifying your business, and placing you with the right carriers.

3. No-Nonsense Service

You’ll get straight answers, quick responses, and advice you can trust. You won’t be treated like a number—you’ll be treated like family.

4. Access to Exclusive Programs

BGES Group has access to top-tier programs and carriers that many general agents simply don’t. This gives you an edge over your competition.

5. Flexible Payment Plans

Cash flow is key in construction. BGES Group offers flexible payment options, including pay-as-you-go workers’ comp, so you can better manage your finances.

6. Fast Certificates of Insurance

Need a COI in minutes? You got it. BGES Group understands how important it is to keep your projects moving without delay.

7. Expert Help with Claims

When an accident happens, BGES Group is in your corner. They work with you through the claims process to ensure it’s handled fairly and quickly.

8. Licensed in 3 States

BGES Group services NY, NJ, and CT.

9. Trusted by the Trades

BGES Group has long-standing relationships with contractors across multiple trades. Their reputation speaks volumes, and contractors stay with them for decades.

10. Owner Involvement

You’ll deal directly with the owner, Gary Wallach, who brings more than 40 years of insurance experience to the table. His hands-on approach ensures you always get top-level service.

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Meet BGES Group: The Contractor’s Insurance Advocate

BGES Group isn’t your average insurance brokerage. Founded and led by Gary Wallach, a seasoned insurance expert with a passion for helping contractors, this firm has carved a niche by becoming one of the most trusted names in the business insurance space.

Gary and his team focus heavily on workers’ compensation, general liability, commercial auto, tools & equipment, and umbrella policies—everything a contractor needs to stay protected and compliant. What sets BGES Group apart is their personal touch. Unlike big-name brokers who pass you off to junior reps, BGES Group gives you direct access to Gary, who will work with you one-on-one.

Whether you’re a solo contractor or managing a crew of 50, Gary will dig into your policies, identify red flags, and come up with a smarter, more affordable plan to protect your business and your employees.

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Your Business Deserves the Best—Contact BGES Group Today

You work hard, your employees work hard, and your reputation is on the line with every job. Don’t let the wrong insurance coverage bring it all crashing down. Let BGES Group be your partner in protection and peace of mind.

Contact:

• Gary Wallach, Owner

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Need Workers’ Comp Help Nationwide? BGES Group has an associate who covers contractors throughout the U.S. Ask Gary for details.

Whether you’re in NYC, Long Island, northern NJ, or anywhere in CT, BGES Group is ready to earn your business and become your go-to insurance advisor. Don’t wait until your next renewal—call today and see what BGES Group can do for your bottom line.

Whether you’re laying down concrete in Queens, wiring a new build in Brooklyn, or managing a full-scale renovation in Manhattan, running a contracting business in New York comes with risk. That’s why having the right insurance is not just smart—it’s essential. One accident, one lawsuit, or one uncovered claim could jeopardize your entire livelihood.

To help you navigate the complexities of business insurance, here are the 10 Business Insurance Commandments every New York contractor should live by. Break them at your own risk!

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1. Thou Shalt Not Operate Without General Liability Insurance

No matter how careful you are on the job site, accidents happen. General liability insurance protects you from third-party claims of bodily injury, property damage, and legal expenses. Without it, one incident could result in thousands—if not millions—of dollars in damages. In New York, where lawsuits are common and property values skyrocket, this is non-negotiable.

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2. Thou Shalt Carry Workers’ Compensation Coverage (Yes, Even for One Employee)

New York State mandates workers’ compensation insurance for any business with employees, including part-time workers. It covers medical bills and lost wages if a worker is injured on the job. Don’t cut corners—if you’re caught without it, penalties include fines, criminal charges, and even business shutdown.

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3. Thou Shalt Not Misclassify Workers as Independent Contractors

Trying to avoid workers’ comp or unemployment insurance by calling employees “independent contractors”? Not only is this illegal in New York, but it can result in audits, hefty fines, and back payments. Know the law and classify correctly.

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4. Thou Shalt Insure Your Tools and Equipment

You can’t do your job without your gear. Whether it’s stolen from your truck or damaged on-site, insuring your tools and equipment ensures you can replace them fast and keep working. Inland marine coverage is your best friend here—it protects your tools even when they’re in transit or on various job sites.

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5. Thou Shalt Understand the Importance of Commercial Auto Insurance

If you or your employees drive vehicles for work—whether it’s a van full of plumbing gear or a pickup truck towing equipment—you need commercial auto insurance. Personal policies won’t cover accidents that occur while on the job.

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Need Reliable Contractor Insurance Coverage? BGES Group Has You Covered!

At BGES Group, we specialize in contractor liability and workers’ compensation insurance, tailored specifically for New York construction businesses. Whether you’re a sole proprietor or managing a growing crew, we understand your needs—and your risks.

We offer:

• Fast certificates of insurance

• Expert guidance to help you stay compliant

• Competitive pricing

• Same-day coverage in many cases

Call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to get started today!

Don’t wait until something goes wrong—protect your business now with BGES Group!

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6. Thou Shalt Maintain Proper Umbrella Coverage

Umbrella insurance gives you extra liability protection beyond the limits of your general liability, commercial auto, or employer’s liability policies. In New York, where lawsuits can lead to massive verdicts, this added coverage can be the difference between surviving a legal storm or going under.

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7. Thou Shalt Not Overlook Professional Liability Insurance

If you offer design-build services or make recommendations that influence a project’s outcome, consider professional liability insurance. This protects you from claims of errors, omissions, or negligence that may arise from the services you provide—even if you did nothing wrong.

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8. Thou Shalt Review and Update Your Insurance Annually

Too many contractors set their policies and forget them. But as your business grows—adding employees, vehicles, or new types of work—your insurance needs change. Schedule an annual insurance review to ensure your coverage keeps up with your business.

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9. Thou Shalt Not Rely on Your Subcontractor’s Insurance Alone

Yes, you should always require certificates of insurance from your subs, but relying solely on their coverage leaves you exposed. If they let a policy lapse or don’t carry enough, your business could be on the hook. Make sure your policy extends coverage where needed and consider additional insured endorsements for extra protection.

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10. Thou Shalt Work With a Broker Who Knows Contractors

The contractor insurance world is full of jargon, exclusions, and confusing coverage options. Work with an expert who knows your industry and understands the risks specific to New York contractors. A good broker isn’t just a policy pusher—they’re your insurance advocate.

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Why Contractors Choose BGES Group

BGES Group is not your average insurance agency. We’re a workers’ compensation and contractor insurance specialist with decades of experience protecting businesses in New York, New Jersey, and Connecticut. We’ve helped thousands of contractors navigate audits, secure better rates, and stay protected from the unexpected.

Here’s why contractors trust us:

• We Know the Business: From carpenters to electricians to general contractors, we understand the unique challenges you face.

• We Move Fast: Need a certificate today? No problem. Need to bind coverage by tomorrow? We can do that.

• We Help You Save: By tailoring your coverage to your actual needs, we help you avoid overpaying or being underinsured.

• We Stay With You: We don’t disappear after the policy is sold. We’re here year-round to support your business.

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Contact BGES Group Today

Gary Wallach – Contractor Insurance Specialist

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Whether you’re just starting out or running a multimillion-dollar operation, BGES Group has the tools and expertise to protect your business every step of the way.

Protect your business. Empower your growth. Partner with BGES Group today.

In the bustling business environment of the Tri-State area, ensuring your employees are protected with the right workers’ compensation insurance is not just a legal requirement—it’s a cornerstone of responsible business management. Whether you’re launching a new venture or reassessing your current policy, finding a provider that understands the unique challenges of your industry is crucial.

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Why Choose BGES Group for Your Workers’ Compensation Needs?

BGES Group stands out as one of the Tri-State area’s premier workers’ compensation specialists, offering tailored solutions that cater to a diverse range of industries. With over four decades of experience, BGES Group combines deep industry knowledge with personalized service to ensure your business is adequately protected.

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Comprehensive Coverage Across Industries

BGES Group’s expertise isn’t limited to a single sector. They provide specialized programs for various industries, including:

• Auto Services: Ensuring mechanics and technicians are covered against workplace injuries.
• Contractors: From general contractors to specialists, BGES offers plans that address the unique risks of construction work.
• Limousine Services: Protecting drivers and support staff in the transportation sector.
• Manufacturers: Covering factory workers and production line employees.
• Moving & Storage Agents: Safeguarding those involved in logistics and warehousing.
• Restaurants: Addressing the fast-paced and often hazardous environment of food service.
• Truckers: Offering plans for both local and long-haul drivers.

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Diverse Policy Options to Fit Your Business

Understanding that no two businesses are alike, BGES Group provides a variety of policy structures:

• Guaranteed Cost with Monthly Installments: Spread your premium over 12 months for better cash flow management.
• Guaranteed Cost with Minimal Upfront Deposit: Start with a $200 deposit, then report payrolls online monthly to calculate premiums.
• Guaranteed Cost with State Assessment Charges Paid Upfront: Pay state assessments initially, then handle premiums monthly based on reported payrolls.
• Payroll/Workers’ Compensation Programs: Ideal for contractors with up to $600,000 or more in payrolls, offering coverage stability through company-owned insurance programs.
• Professional Employer Organizations (PEO): Comprehensive solutions that bundle payroll services, workers’ compensation, group health, and HR services—perfect for businesses with a run of bad luck, high experience mods or lapses in coverage. Actually great for almost any business regardless of having any issues.
• State and Assigned Risk Plans: While used as a last resort, BGES Group can navigate these plans, especially in New York, where special programs are available for various businesses.

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Client Testimonials: Trust Built Over Years

BGES Group’s commitment to excellence is reflected in the glowing reviews from their clients:

“I started with BGES Group 12 years ago. Not only do they always deliver but I never wait for certificates, questions to be answered, anything! We love the owner, Gary, who no matter when we call is always there to help, even on weekends! You want to work with a ‘fantastic’ office, this is the firm! None, and I repeat none provides service the way they do. We’ve been around for 40 years, we are no kid on the block. You want peace of mind knowing your business is properly insured, call BGES Group.”BGES Insurance

“BGES Group has been our broker for years. Whenever we need anything we get it in minutes. Whenever we have questions we get the president on the phone within seconds and he has tremendous knowledge. Not only does BGES Group know what they are doing but we trust them 100%! The brokers before, they were somewhat iffy. This is a great organization and we highly recommend them!”Usearch

“Our company has been a client of BGES for many years. Gary Wallach has always responded to any concerns or questions immediately, even while on vacation! He is experienced and even more important, he has answers. We are lucky to have such a personable and dedicated broker. I would highly recommend him.”

“I have been in business for over 33 years and I have been working with Gary for over 10 years now. He has been consistent for all these years, reliable, and honest. Whenever I have had an issue, he will focus on it, however long it takes. These comments come from his actions, the best. Believe me, I had some of the worst over the years.”

“I have been working with BGES Group for a little more than a year now. As a wholesale PEO brokerage, we deal with thousands of retail and wholesale agents annually. I have to say that not many, if any, are as attentive and concerned about their clients as Gary. He has impeccable follow-up, always fights to get the best possible rates for his clients, and demands a higher standard of service from any of our partner programs that we work with. I highly recommend BGES for any commercial insurance needs.”

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About BGES Group

BGES Group is a boutique insurance agency based in Larchmont, NY, specializing in workers’ compensation insurance across New York, New Jersey, and Connecticut. Led by Gary Wallach, the agency prides itself on providing personalized service, quick responses, and tailored insurance solutions to meet the unique needs of each client.

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Contact BGES Group Today

Ready to explore your workers’ compensation insurance options? Reach out to BGES Group for a customized quote and experience the difference of working with true specialists.

• Phone: (914) 806-5853
• Email: bgesgroup@gmail.com
• Contact: Gary Wallach
• Website: www.bgesgroup.com
• Located: Mamaroneck, NY

For employers and employees in New York, understanding New York State Disability Insurance (DBL) and Paid Family Leave (PFL) is essential. These coverages provide financial support to workers who are unable to work due to non-work-related disabilities or who need time off to care for a loved one. Employers are required to provide these benefits, and many businesses look for ways to enhance coverage to better protect their workforce.

In this article, we will break down what DBL and PFL cover, how much employees can receive, who pays for these coverages, and the impact on employers. Additionally, we will explore options for enhancing benefits beyond the statutory limits and how BGES Group can help you secure the right coverage for your business.

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What Do New York State Disability Insurance (DBL) and Paid Family Leave (PFL) Cover?

New York State Disability Insurance (DBL)

DBL provides short-term wage replacement benefits to employees who are unable to work due to a non-work-related illness, injury, or pregnancy-related condition. It does not cover work-related injuries, which are handled under Workers’ Compensation.

• Who is covered?
  Full-time and part-time employees who have worked for a covered employer for at least four consecutive weeks are eligible for DBL.
• Duration of benefits:
  Employees can receive up to 26 weeks of DBL payments within a 52-week period.
• Common qualifying conditions:
  • Recovering from surgery
  • Complications due to pregnancy
  • Severe illness preventing the ability to work

Paid Family Leave (PFL)

Paid Family Leave (PFL) allows employees to take time off while receiving partial wage replacement to:

1. Bond with a newborn, adopted, or foster child
2. Care for a seriously ill family member (parent, child, spouse, domestic partner, grandparent, grandchild, sibling, or parent-in-law)
3. Assist a family member on active military duty

• Who is covered?
  Employees who have worked for 26 consecutive weeks (full-time) or 175 days (part-time) are eligible.
• Duration of benefits:
  Employees can receive up to 12 weeks of PFL benefits in a 52-week period.

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How Much Can an Employee Receive Under DBL and PFL?

New York State Disability (DBL) Payment Amounts

• The maximum weekly benefit under DBL is $170 per week.
• Benefits begin after a 7-day waiting period and can continue for up to 26 weeks.
• Since the $170 benefit is quite low, many businesses opt to purchase enhanced coverage to provide higher benefits.

Paid Family Leave (PFL) Payment Amounts

• PFL benefits are based on a percentage of an employee’s average weekly wage (AWW), capped at New York State’s average weekly wage (NYSAWW).
• In 2024, PFL pays 67% of the employee’s AWW, up to a maximum of $1,151.16 per week.
• Unlike DBL, PFL does not have a waiting period—benefits begin immediately.

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Who Pays for DBL and PFL?

Disability Insurance (DBL) Cost and Funding

• Employers are required to provide DBL coverage for their employees.
• The cost of the policy can be shared with employees, but employees cannot be charged more than 0.5% of their wages, up to $0.60 per week.
• Many employers choose to cover the full cost or purchase enhanced plans to provide higher benefits to employees.

Paid Family Leave (PFL) Cost and Funding

• Employees fund PFL through payroll deductions—there is no direct employer contribution required.
• The 2024 employee contribution rate is 0.373% of an employee’s gross wages, capped at $333.25 per year.
• Employers must collect and remit the premiums to the insurance provider.

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What Are the Employer Implications?

Employers must comply with DBL and PFL regulations by:

• Ensuring coverage is in place through a private insurance carrier or the state plan.
• Withholding employee contributions for PFL and remitting payments.
• Coordinating leave requests and ensuring employees receive the correct benefits.
• Avoiding penalties—failure to provide DBL or PFL coverage can result in fines and legal consequences.

Employers who fail to carry DBL can face:

• A fine of $0.50 per employee per week of non-compliance.
• A penalty of up to $500 or 1-year imprisonment.

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Enhancing Coverage Beyond the $170 Weekly Statutory Amount

While DBL provides crucial income protection, the $170 weekly benefit is often insufficient. Many insurance companies offer enhanced DBL coverage, which allows employers to provide higher benefits to their employees.

Enhanced DBL Plans May Offer:

• Increased weekly benefits (e.g., $300, $400, or more per week).
• Shorter waiting periods before benefits begin.
• Extended benefit duration beyond 26 weeks.

Employers who upgrade their DBL coverage can:

• Attract and retain top talent by offering better benefits.
• Reduce employee financial stress during medical leave.
• Differentiate themselves from competitors who only provide the minimum state-mandated benefit.

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How BGES Group Can Help You Purchase DBL and PFL Coverage

Who is BGES Group?

BGES Group is a New York-based insurance agency specializing in helping businesses secure the best workers’ compensation, liability, and employee benefits coverage.

Why Work with BGES Group?

• We provide expert guidance on DBL and PFL coverage.
• We shop the market to find the best enhanced DBL plans to fit your budget and workforce needs.
• We simplify compliance and help employers avoid fines and legal issues.
• We offer additional insurance solutions, including workers’ compensation, payroll services, and group health insurance.

Contact BGES Group Today

If you’re a New York employer looking for affordable DBL and PFL coverage—or want to explore higher benefits for your employees—BGES Group can help.

Contact Gary Wallach today:

• Phone: (914) 806-5853
• Email: bgesgroup@gmail.com
• Website: www.bgesgroup.com

BGES Group specializes in helping New York businesses navigate insurance challenges, ensuring you get the best coverage at the best price.

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Final Thoughts

New York Disability Insurance (DBL) and Paid Family Leave (PFL) provide important protections for employees, but many businesses find that the statutory benefits are too low. Employers can enhance DBL coverage to provide better financial support to their workforce.

If you need DBL, PFL, or enhanced disability coverage, BGES Group can help you secure affordable, high-quality coverage. Contact Gary Wallach today to get started!

If you’re a business owner in Connecticut or New Jersey and your workers’ compensation insurance is currently in the Assigned Risk Program, you already know how expensive and limiting it can be. You’re not alone—thousands of businesses across both states are stuck paying inflated premiums, dealing with limited carrier options, and struggling with rigid policy terms that don’t reflect their actual risk.

But here’s the good news: BGES Group specializes in helping businesses get out of the Assigned Risk Pool—and save up to 25% or more on their workers’ compensation premiums.

We know the system. We know the markets. And we know how to help business owners just like you get better coverage at better rates.

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What is the Assigned Risk Pool?

The Assigned Risk Pool, also known as the Residual Market, is a state-run program designed for businesses that are unable to obtain workers’ comp insurance through the standard market. This could be due to:

• A poor claims history

• Being in a high-risk industry

• Being a new business without history

• Or simply being declined by traditional carriers

While the Assigned Risk Pool ensures that you meet state coverage requirements, it does so at a steep cost. Premiums are often higher, and the terms are stricter. Many business owners end up overpaying—not because they’re high-risk, but because they’re stuck in a system with limited options.

That’s where BGES Group comes in.

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How BGES Group Can Help You

BGES Group is a workers’ compensation specialist with over 30 years of experience helping businesses in Connecticut and New Jersey find the right insurance solutions. We have access to exclusive markets and specialized programs that most general agencies don’t offer—and that includes options specifically designed to help companies exit the Assigned Risk Pool.

Our team has successfully helped hundreds of businesses transition out of the residual market, reduce their costs, and get on track for long-term savings and better claims management.

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10 Reasons to Contact BGES Group Today

1. Save Up to 25% or More:

Many businesses in assigned risk programs are paying far more than they should. Our programs are built to slash your premiums without sacrificing coverage.

2. Access to Specialized Markets:

We work with top-tier insurance carriers that cater to high-risk or misunderstood industries, helping you qualify for standard market rates.

3. Free, No-Obligation Analysis:

We’ll review your current policy, claims history, and classification codes at no cost—and show you exactly how much you could be saving.

4. In-Depth Industry Expertise:

From construction to manufacturing to logistics, we know the ins and outs of your industry’s unique insurance needs.

5. Fast Turnaround Time:

We move quickly. If you’re facing a renewal deadline, we can work to get you options fast—often within 24 to 48 hours.

6. Aggressive Claims Advocacy:

We don’t just sell policies—we help you manage claims, keep your mod down, and reduce future costs.

7. Flexible Payment Plans:

Our programs offer cash flow-friendly options, including pay-as-you-go solutions that sync with your payroll.

8. Ongoing Support & Consultation:

We’re not a one-and-done agency. Our team stays with you year-round to help with audits, claims, and any coverage adjustments.

9. We Work for You, Not the Carrier:

We are an independent agency, which means our only loyalty is to you. We work to find the best deal, not the one that pays us the most commission.

10. Personalized Service from Real Experts:

At BGES Group, you deal directly with Gary Wallach, a seasoned expert with decades of experience—not a call center or junior rep.

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We’ve Helped Businesses Just Like Yours

Whether you’re a contractor, manufacturer, trucking company, or any other business with labor exposure, we’ve helped companies across Connecticut and New Jersey cut costs and improve their coverage. Many of our clients came to us discouraged, thinking they were out of options—only to be thrilled when we delivered a solution they didn’t know existed.

We don’t just move you into a better program—we work to keep you out of the assigned risk pool permanently, with proactive claims management and risk reduction strategies.

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Ready to Explore Your Options?

If you’re tired of overpaying for workers’ compensation and feeling trapped in a system that doesn’t reward you for improving safety or managing claims, it’s time to call BGES Group.

Let us run a free, no-pressure review of your current policy. If we can help you save, we’ll show you exactly how. If not, at least you’ll know you’re getting the best deal possible. Either way, you win.

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Contact BGES Group Today

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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Don’t settle for overpriced, generic coverage. Let BGES Group help you get the right policy at the right price. You owe it to your business—and your bottom line.

Call or email today and find out just how much you could be saving.

Overexertion and falls are the most common types of workplace injuries in the United States, costing employers $28 billion annually, according to a new study.

Liberty Mutual Insurance Co.’s “2024 Workplace Safety Index” reports on the causes and costs of the most common injuries across eight major industries. The list can be a good guide for employers, helping them understand the kinds of injuries most likely to occur on their worksites.

With the information in hand, you can review your current workplace safety programs to make sure you are focusing your efforts in the right area.

The Liberty Mutual report for 2024 examined statistics from 2021.  The 10 costliest causes of workplace injury and illness were:

1. Overexertion involving outside sources ($12.5 billion)
2. Falls on same level ($10 billion)
3. Falls to lower level ($5.7 billion)
4. Struck by object or equipment ($5.5 billion)
5. Other exertions or bodily reactions ($3.7 billion)
6. Roadway incidents involving a motorized vehicle ($2.7 billion)
7. Slip or trip without falling ($2.3 billion)
8. Caught in or compressed by equipment or objects ($2 billion)
9. Struck against object or equipment ($1.8 billion)
10. 1Repetitive motions involving micro-tasks ($1.5 billion)

The total cost of the above workplace injuries was $48 billion in 2021, according to the report. These top 10 injuries accounted for 85% of all workers’ compensation claims in eight industries. The total cost of all workplace injuries was $58 billion.

What you can do

To keep your workplace as safe as possible, make sure you have safety protocols for the most likely injury types. Training and management buy-in is the key to a better safety environment. We’ll look at how to prevent the top three injuries here:

Overexertion — An overexertion injury happens when a worker becomes fatigued or performs a job that is beyond their physical capacity (such as lifting more than they are comfortably able). This can result in strains, sprains, musculoskeletal problems and other injuries. Some can happen suddenly, and others can develop over time.

Focus on proper lifting techniques, ergonomic workstations, regular breaks and encourage early reporting of injuries. Also, implement safety training and address potential hazards through engineering controls, such as mechanical lift assists, overhead hoists and other tools to improve the positioning of products.

Workers should ask for assistance or guidance if they are concerned about their ability to handle a specific task.

If fatigue is an issue, consider having workers take short, more frequent breaks during their shift.

Falls on same level — These are incidents where a worker slips, trips or loses balance, resulting in a fall that ends with the person hitting the same surface they were standing on, or an object at the same level, rather than falling to a lower level. To prevent such incidents:

• Maintain good housekeeping. A clean workplace is a safer workplace.
• If you have a spill, rope it off, clean it up and train workers to alert co-workers and supervisors of the spill immediately.
• Laborers should always use cable covers or tape to prevent co-workers from tripping over cords. Train your workers not to rush, and to be aware of their surroundings. They should not be distracted by their smartphones while walking, and not carry too much at once.
• Employees should not work in dimly lit areas.
• Staff should wear shoes that are in good condition and tightly tied every shift.

Falls to lower level — These are incidents where an employee falls from a higher point to a lower surface, such as from a ladder, scaffolding, roof or through an opening in the floor, resulting in injury. To prevent these injuries:

• Install guardrails around elevated platforms, floors and walkways.
• Consider using safety nets in areas where there is a high risk of falls.
• Use harnesses, lanyards and anchor points to arrest falls if they occur.
• Use scaffolding that is appropriate for the task and ensure it is set up and used correctly.
• Install toe boards to prevent objects from falling off elevated platforms and potentially injuring workers below.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

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

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

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

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2025 – BGES Group

For trucking companies, securing affordable, reliable workers’ compensation insurance is one of the most important and challenging aspects of running a safe and compliant operation. Whether you manage a small fleet or oversee dozens of drivers, the complexities of workers’ comp can weigh heavily on your time and budget.

BGES Group is here to make things easier. As workers’ compensation specialists serving New York, New Jersey, and Connecticut, we understand the unique risks transportation businesses face—and we know where to find the right solutions. One of the strongest options we offer is a specialized workers’ compensation program available to truckers across the country.

While this program is not exclusive to BGES Group, we’ve seen firsthand how much value it provides to trucking companies that have struggled to find fair rates or have been frustrated with the rigid, expensive policies of traditional carriers.

Below are 10 key benefits trucking companies receive by being part of this program, and why it could be a game-changer for your business.

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10 Benefits Truckers Receive from the Workers’ Compensation Program Offered by BGES Group

1. Nationwide Coverage for Interstate Carriers

For trucking companies that operate across multiple states, managing different workers’ comp requirements can be a logistical headache. This program provides nationwide coverage, allowing you to operate freely while remaining compliant, no matter where your drivers are headed. It’s ideal for long-haul, regional, and multi-state operations.

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2. No Large Upfront Deposits

Traditional policies often require sizable down payments, creating a financial strain—especially for smaller operators or growing fleets. This program allows you to begin coverage without a large upfront payment, making it easier to manage your cash flow and reinvest in your business.

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3. Pay-As-You-Go Premiums

Rather than estimating annual payroll and dealing with unpredictable year-end adjustments, this program offers pay-as-you-go billing. Premiums are based on actual payroll reported in real time, which helps trucking businesses better manage their expenses and avoid overpaying.

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4. Simplified or No Audits (Depending on State and Account Type)

One of the biggest stressors of traditional workers’ comp policies is the dreaded year-end audit. This program removes or greatly simplifies the audit process, depending on your account and state regulations. That means fewer surprises and far less administrative hassle for your business.

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5. Competitive Rates—Even for High-Risk Class Codes

Truckers often face higher premiums because the industry is considered high-risk. If you’ve struggled with excessive pricing or difficulty finding a willing carrier, this program may offer significantly better rates, even for businesses with less-than-perfect loss histories or high experience modification rates.

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6. Streamlined Enrollment Process

Getting insured shouldn’t be a long, drawn-out process. With this program, enrollment is fast and efficient, requiring minimal paperwork. In many cases, trucking companies can be set up and covered in just a few business days—no waiting weeks for a quote or approval.

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7. Optional Access to Additional Employee Benefits

While the focus is on workers’ compensation, this program also provides access to optional employee benefits, such as group health insurance, dental, vision, and 401(k) plans. These benefits help you attract and retain good drivers, giving you a competitive edge in a tight labor market.

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8. Professional Claims Handling by Industry Experts

When an accident occurs, how it’s handled can make a huge difference in costs and outcomes. This program offers dedicated, experienced claims management, ensuring your drivers receive proper care and that claims are resolved efficiently. That can help control costs and minimize downtime.

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9. Administrative Relief and Compliance Support

Trucking companies already juggle DOT regulations, maintenance schedules, and tight delivery deadlines. This program includes support for managing compliance-related tasks, such as issuing certificates of insurance and keeping up with workers’ comp requirements in various states. That frees up time and reduces the risk of costly errors.

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10. Ideal for Growth and Flexibility

If your business is expanding or fluctuating due to seasonal demand, the flexibility of this program makes it an excellent fit. The pay-as-you-go model and broad eligibility allow you to scale up or down easily without disrupting coverage or triggering costly adjustments.

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Why Trucking Companies Trust BGES Group

At BGES Group, we focus exclusively on workers’ compensation, and we’ve helped countless businesses reduce costs, close gaps in coverage, and gain control over a confusing system. We understand the insurance marketplace and know how to find solutions that others miss—especially in high-risk industries like trucking.

While we service New York, New Jersey and Connecticut, we can work with trucking businesses across the country to connect them with this national workers’ compensation solution.

We know every trucking operation is different—different routes, different payroll models, different risks—and we take the time to customize a plan that fits your exact needs.

We don’t just quote policies and disappear. When you work with BGES Group, you get:

• Personal service from experienced workers’ comp professionals

• A proactive partner who helps you stay compliant and cost-effective

• Fast answers, responsive communication, and real advice

If you’re tired of overpriced policies, confusing audits, or being turned away by carriers, it’s time to take a different route—with BGES Group leading the way.

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Get in Touch Today

Ready to learn how this program can work for your trucking company? Let’s talk. We’ll review your current coverage, compare options, and help you understand if this solution is the right fit for you.

Contact: Gary Wallach – Workers’ Compensation Specialist

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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BGES Group – Keeping Truckers Protected, Compliant, and On the Road

We know the road you travel isn’t easy. That’s why we make workers’ compensation one less thing to worry about.

In the fast-paced, high-risk world of New York construction, having the right liability insurance can mean the difference between staying in business or going bankrupt after a single mishap. Whether you’re building skyscrapers in Manhattan or remodeling homes in Westchester, liability insurance is not optional — it’s essential. But not all policies are created equal, and one wrong move can cost you time, money, or your reputation.

Here are the 5 dos and don’ts every New York contractor should know before buying liability insurance — straight talk that could save your business.

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1. DO Understand What General Liability Insurance Covers

General liability insurance is your first line of defense against claims for bodily injury, property damage, and even legal costs. It covers things like:

• A client tripping over your tools and getting injured.

• Damage to a client’s property during a job.

• Legal fees if you’re sued over faulty workmanship (depending on the policy).

Why it matters: Many contractors assume they’re covered for everything just because they have “general liability” — but not all policies include the same protections. Read the fine print and work with a broker who knows construction.

DON’T assume one-size-fits-all coverage is enough.

Each job site is different, and your insurance should reflect that. Don’t rely on a basic plan that may exclude crucial coverages like subcontractor-related claims or damage to rented equipment.

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2. DO Choose an Insurance Company That Knows Construction

Insurance is a specialized game — and so is construction. A company that doesn’t understand the risks contractors face may miss important coverage details, or worse, deny claims over fine-print loopholes.

DON’T buy from a generalist or online-only broker.

Those “instant quotes” may look attractive, but they don’t come with real-world advice or guidance. If your broker doesn’t know the difference between an Acord 25 and Acord 855 form, you’re in trouble. In New York especially, compliance and certification requirements can be complex and ever-changing. You need someone who keeps up.

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3. DO Verify That Your Policy Meets New York’s Insurance Requirements

New York is one of the strictest states when it comes to contractor insurance requirements — especially in NYC. You’ll often need:

• $1M per occurrence / $2M aggregate general liability minimum.

• Workers’ comp and disability insurance if you have employees.

• Additional insured endorsements for property managers, landlords, and developers.

• Waivers of subrogation.

• Primary and non-contributory language.

DON’T wait until the last minute to get these documents.

Many contractors lose jobs because they can’t provide proper insurance documentation in time. Make sure your broker can issue certificates fast and understands exactly what your clients need.

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4. DO Know the Difference Between Claims-Made and Occurrence Policies

This is one of the most overlooked — and misunderstood — aspects of liability insurance. Here’s a quick breakdown:

• Occurrence policies cover claims based on when the incident happened — even if the claim is filed years later.

• Claims-made policies only cover claims filed while the policy is active (or within a specific reporting period).

DON’T buy a claims-made policy unless you fully understand the risks.

They’re usually cheaper, but if you cancel or switch insurers without buying “tail coverage,” you could be left completely unprotected against past work. For construction work with long liability tails (like structural issues), occurrence policies are usually safer.

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5. DO Factor in Subcontractors and Additional Insureds

If you use subcontractors — and most contractors do — make sure your policy includes subcontractor coverage and that you collect Certificates of Insurance (COIs) from all of them. Also, make sure your policy has the right language for naming third parties as additional insureds — which is often required by clients, landlords, or GCs.

DON’T assume your subcontractors’ insurance automatically protects you.

If a subcontractor causes damage or injury and isn’t properly insured, the claim could fall back on you. Worse, your insurer could deny the claim if your policy excludes work done by uninsured subs. Always verify and document coverage from everyone on site.

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Bottom Line: Get Help From Experts Who Know the Game

Buying liability insurance as a contractor in New York isn’t just checking a box — it’s a strategic business decision. If you don’t want to spend hours sifting through legalese and hoping you’ve got the right coverage, partner with people who do this every day.

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BGES Group: Construction Insurance Is What We Do

At BGES Group, we specialize in construction insurance for contractors in New York, New Jersey, and Connecticut. With over 30 years of experience, we’ve seen it all — and more importantly, we know how to protect you from it all.

We’re not a call center. We’re real people who answer the phone, listen to your needs, and get you insured fast. We’ll review your current policy for free, identify gaps, and help you get better coverage — often for less money.

Whether you’re a GC, electrician, plumber, painter, roofer, or remodeler — if you work in the Tri-State Area, you need a team who knows how to keep you compliant, covered, and competitive.

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Call BGES Group Today

Gary Wallach – Construction Insurance Specialist

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t wait for a claim to find out you’re underinsured. Get peace of mind today — call BGES Group and let us get to work protecting your business.