In the bustling heart of the Empire State, contractors are the unsung warriors behind the towering skylines and ever-evolving infrastructure. From sunrise pours of concrete to late-night finish work, being a contractor in New York is not for the faint of heart. It’s a world of tight deadlines, unpredictable weather, unforgiving regulations, and fierce competition. Only the toughest survive—and even they need a solid support system to keep going.

The Grit and Grind of a New York Contractor

New York is unlike anywhere else. The pace is relentless, the expectations sky-high, and the margins razor-thin. Whether you’re working on a brownstone renovation in Brooklyn, a new high-rise in Manhattan, or infrastructure improvements upstate, the grind never stops.

Contractors face a barrage of daily challenges—dealing with strict city permitting rules, union regulations, limited space for staging equipment, and the constant pressure to meet timelines in a city that never sleeps. Each job site is a high-stakes puzzle, and one wrong move can set a project—and a business—back weeks or worse.

Key Challenges in the Concrete Jungle

Here are some of the biggest issues contractors face when operating in New York:

1. Regulatory Hurdles

New York’s Department of Buildings is known for its rigorous enforcement of building codes and safety standards. While these are essential for safety, they can also slow down projects with inspections, change orders, and documentation requirements that are more demanding than in most other states.

2. High Labor Costs

Union labor is standard in many parts of the city, and prevailing wage laws further increase the cost of manpower. Skilled labor shortages only compound the problem, leading to delays and increased payroll expenses.

3. Limited Space and Logistics

Staging equipment and materials in a dense urban environment is a logistical nightmare. There’s rarely space to store materials, parking for trucks is scarce, and traffic delays are almost guaranteed. All of this eats into a contractor’s time and money.

4. Litigation and Liability Exposure

New York is one of the most litigious states in the country. Contractors are frequently targeted in lawsuits stemming from construction accidents, property damage, or labor disputes—even when they aren’t at fault. This makes having the right insurance not just helpful, but absolutely essential.

Understanding Construction Insurance in New York

Insurance is the lifeblood of any construction business in New York. Without the right coverage, one lawsuit or accident can mean financial disaster. Here’s a breakdown of the essential policies every contractor needs:

Commercial General Liability (CGL)

This is the foundation of a contractor’s insurance program. It protects against claims of bodily injury or property damage caused by your operations. In New York, limits often need to be higher due to the state’s legal environment—$1 million per occurrence is often not enough. Contractors are advised to tailor their policies to the type of work they do and the risks they face.

Umbrella Liability

Think of umbrella liability as a safety net over your CGL and auto liability policies. It kicks in when claims exceed your primary policy limits, which can happen quickly in New York’s legal climate. With multimillion-dollar lawsuits not uncommon, a $5 million or $10 million umbrella policy is a wise (and often necessary) investment.

Workers’ Compensation

Required by law, workers’ compensation covers medical expenses and lost wages for employees injured on the job. In New York, rates are among the highest in the nation, especially for high-risk trades like roofing, scaffolding, and excavation. Managing claims and keeping loss ratios down is essential to controlling premium costs.

Why Insurance is Even Tougher in New York

Because of the legal environment, particularly the infamous New York Labor Law 240 (the “Scaffold Law”), many insurance companies have pulled out of the state entirely or charge significantly higher premiums. This law places absolute liability on contractors and property owners for gravity-related injuries, regardless of fault—a nightmare for insurers and a constant threat to contractors’ bottom lines.

This makes finding affordable, comprehensive insurance a major hurdle. You need a specialist who knows the landscape and can navigate the minefield of exclusions, high premiums, and limited carriers.

Enter BGES Group: New York’s Construction Insurance Specialists

BGES Group is one of the few insurance brokers that truly understands what it takes to survive as a contractor in New York. With over three decades of experience insuring businesses across the five boroughs and beyond, they specialize in tailoring coverage to meet the specific risks contractors face.

They’re not just brokers—they’re advocates. Whether you’re a small subcontractor or a general contractor managing multiple crews, BGES Group works to find policies that fit your business without breaking your budget. Their team is skilled in reducing insurance costs, closing coverage gaps, and keeping you compliant in an ever-changing regulatory environment.

What BGES Group Offers:

• Competitive commercial general liability and umbrella policies
• Workers’ compensation programs with safety and claims support
• Builder’s risk and inland marine coverage
• Access to exclusive programs and carriers who understand NY construction
• Ongoing risk management consultation

They’re fast, responsive, and most importantly—they get it. When you’re knee-deep in mud trying to make a pour before the rain hits, you don’t have time to chase down insurance reps. BGES Group stays on top of it so you can focus on the job.

Need Help With Your Insurance?

If you’re struggling with high premiums, gaps in coverage, or just want a second opinion on your insurance, contact BGES Group today.

Contact: Gary Wallach

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

In Conclusion

Contracting in New York is a battle every day. Between the red tape, labor issues, and constant exposure to liability, it’s a miracle that any job ever gets done on time. But New York contractors aren’t ordinary—they’re resilient, resourceful, and relentless.

If you’re going to make it in this city, you need more than hard work. You need smart partners who can help you navigate the storm. BGES Group is that partner. Because in New York, only the tough survive—and the smartest thrive.

Navigating liability coverage can be challenging for contractors in New York, especially when policies are issued through surplus lines insurance companies. These policies are typically more complex, carry fully earned premiums, and offer limited payment flexibility—often putting financial strain on business owners who are juggling tight cash flows, payroll, and the ever-changing demands of job sites.

But there’s good news: A wave of new payment options has emerged that give contractors greater flexibility, improved cash management, and even the chance to turn their insurance spend into a financial advantage. These innovative solutions are helping contractors break free from rigid premium schedules and take back control of their cash flow.

Let’s dive into some of the standout payment strategies now available.

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1. Fully Earned Premiums? No Problem with Zero Down, 11 Equal Payments

One of the most game-changing developments for contractors is the ability to finance fully earned premiums—regardless of which surplus lines carrier is providing the coverage. Traditionally, these premiums require large up-front payments, putting pressure on a contractor’s working capital.

Now, 100% financing is available with zero money down and 11 equal monthly payments. This program can be coupled with Pay-As-You-Go (PAYGO) options, allowing premiums to align more closely with payroll and actual exposure.

This kind of flexibility not only makes high-cost surplus lines coverage more manageable but also frees up capital to invest back into the business—whether that means buying materials, paying subs, or bidding on new jobs.

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2. Down Payment Funding to Match Premium Financing

Even contractors who opt for premium financing often face one major hurdle: the down payment. For many, pulling together a 25% or more deposit upfront can cause cash flow disruptions or delay the binding of crucial coverage.

Now, there’s a solution for that too. Contractors can access funding specifically for the down payment—with zero out-of-pocket costs—and payments structured to match the premium finance plan.

That means no more scrambling to find funds just to get a policy started. With this option, policies can go into effect immediately, while payment schedules remain predictable and manageable.

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3. Audit Premiums? Finance Them Too—with Zero Down

If you’ve been through a premium audit, you know how quickly an Audit Premium (AP) can sneak up and throw off your budget. These can be especially burdensome when they hit unexpectedly—and with short deadlines.

Now, there’s a way to handle that without draining your reserves. Contractors can finance their audit premiums with zero down and 11 monthly payments, just like with standard policies. Recently, a contractor faced an $83,000 AP due in just 10 days. Thanks to this new financing option, the AP was funded in just 48 hours, avoiding collections and protecting the broker’s commission.

This kind of quick-turnaround support is a lifeline for busy contractors who want to stay focused on building—not budgeting emergencies.

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4. Turn Your Insurance into a Cash-Back Strategy

For contractors who can afford to pay premiums upfront—or who choose to use PAYGO—there’s another compelling option: leveraging a zero-interest business credit card.

This program offers zero interest for 12 months, plus a $750 cash bonus for spending $6,000 within the first three months. On top of that, contractors earn 1.5% cash back on all purchases.

Here’s the play: use the card to pay the carrier in full (often required with surplus lines policies), then let a payroll-based PAYGO system calculate, bill, and collect the premiums as they accrue—automatically remitting them to the credit card company. It’s a win-win.

Not only do contractors avoid interest charges, but they can also make even the most competitive insurance policies effectively $750 more affordable while continuing to earn rewards on their spend.

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Putting Contractors in Control

These new payment solutions are part of a growing movement to modernize how contractors pay for liability coverage—especially in the tricky world of surplus lines. By offering more financing options, faster funding, and cash-back incentives, they empower contractors to protect their businesses without sacrificing liquidity.

Instead of choosing between full payment or high deposit premium financing, New York contractors now have tools that let them smooth out costs, respond quickly to audits, and even gain some financial perks from their insurance strategies.

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Let BGES Group Help You Navigate the Options

At BGES Group, we specialize in working with New York contractors and understand the unique financial and operational pressures you face. We stay ahead of the curve to bring you smarter, more flexible insurance payment solutions—especially when dealing with complex surplus lines coverage.

Whether you’re a GC, artisan contractor, or construction firm looking for better ways to manage your liability premiums, we’re here to help you find the right program that fits your needs—and your budget.

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Contact BGES Group Today – Gary Wallach
📞 Phone: (914) 806-5853
📧 Email: bgesgroup@gmail.com
🌐 Website: www.bgesgroup.com

Let’s build something better—together.

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

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