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.

In New York State, employers are required by law to carry workers’ compensation insurance for all employees. This requirement applies whether the business is seasonal, part-time, or full-time. Failing to carry proper coverage—even inadvertently—can lead to significant penalties and legal consequences. However, if a lapse occurs due to an honest mistake, there are steps you can take to resolve the situation and minimize the fallout.

Penalties for Not Carrying Workers’ Compensation in New York

The New York State Workers’ Compensation Board (WCB) enforces strict compliance with workers’ compensation laws. If an employer operates without the required insurance, they can face:

1. Financial Penalties

• $2,000 per 10-day period: The Board may impose a penalty of up to $2,000 for every 10-day period the employer is found to be non-compliant.

• These fines are not capped and can accumulate quickly, even if no employees filed a claim during the uncovered period.

• Penalties apply even if the business had no injuries during the lapse. The law assumes that the risk existed regardless of claims activity.

2. Stop Work Orders

• The WCB can issue a stop work order, legally requiring the employer to cease all operations until coverage is obtained and fines are addressed.

3. Criminal Charges

• In extreme cases, operating without insurance may result in misdemeanor or felony charges, particularly if injuries occurred while the business was uninsured.

• Business owners or officers of the corporation can be held personally liable for these violations.

4. Loss of Contracts and Licenses

• Certain business licenses or state contracts can be suspended or revoked due to non-compliance, affecting future operations and reputation.

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Common Reasons for a Lapse in Coverage

While some employers may intentionally try to avoid the cost of coverage, many lapses occur due to honest mistakes, such as:

• Miscommunication with the insurance carrier or broker

• Clerical errors within the business office

• Non-renewal of policies due to incorrect paperwork

• Change of address or contact info leading to missed notices

• Belief that seasonal or part-time work does not require coverage (it usually does)

Even if the lapse was accidental, the employer is still considered non-compliant and subject to penalties.

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How to Fix an Inadvertent Lapse in Workers’ Compensation Coverage

If you discover that your business experienced an unintended lapse in coverage, it’s essential to act quickly and responsibly. Here’s what you should do:

1. Contact the Workers’ Compensation Board Immediately

Reach out to the WCB to notify them of the error as soon as possible. Be honest and transparent. Provide:

• The dates your coverage was active

• The date the lapse occurred

• A statement explaining how the lapse happened

• Documentation showing the business did not employ anyone (if applicable) during part or all of the lapse

Early communication may help reduce penalties and show that you’re acting in good faith.

2. Gather Supporting Documentation

To support your request for penalty mitigation, collect records such as:

• Payroll reports showing no active employees during the uncovered period

• A cancellation notice or correspondence from your insurer

• Copies of new or reinstated policy documents

• Internal emails or memos that demonstrate the lapse was unintentional

The more detail you provide, the more likely the Board will be to consider leniency.

3. Request a Penalty Review or Appeal

The WCB allows businesses to request a review or appeal of penalties. If you believe the fine is unfair due to a short-term, accidental lapse, submit a written request including:

• An explanation of the lapse

• A statement of good-faith efforts to maintain coverage

• A formal request for reduction or elimination of the fine

In some cases, the Board may waive or reduce the penalty—particularly for seasonal businesses that had no employees during the uncovered time.

4. Reinstate or Purchase Coverage Immediately

If you are currently uninsured, take immediate steps to purchase a valid workers’ compensation policy. This demonstrates responsibility and compliance moving forward. Many insurers will backdate coverage, depending on the situation.

5. Consult a Workers’ Compensation Specialist or Attorney

If the penalties are substantial or if you’re unsure how to respond to the Board, it’s wise to consult a professional. A specialist or attorney experienced with NY workers’ comp can help:

• Draft and submit appeals

• Communicate with the WCB on your behalf

• Gather the appropriate records

• Negotiate penalty reductions

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Final Thoughts

In New York State, failure to maintain active workers’ compensation insurance—even for a short period—can result in harsh penalties. However, when the lapse is clearly unintentional and quickly addressed, the state often shows flexibility, especially if there was no employee exposure or injury during the uncovered period.

If you’re a seasonal or part-time employer, or you have unique circumstances, make sure your policy aligns with your actual operating dates. A small error in communication or timing can result in big fines—but acting quickly and cooperatively can go a long way toward resolving the issue.

Stay informed, stay insured, and when in doubt, seek professional help to stay in compliance and protect your business.

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

On April 2, 2025, former President Donald Trump announced a new round of tariffs that are already driving up material and operational costs for contractors across the country. With profit margins tightening, it’s more important than ever to reevaluate your insurance policies—including General Liability, Umbrella Liability, Business Auto, and Workers Compensation—to make sure you’re getting the best value without sacrificing essential protection.

Here are 10 actionable ideas to help contractors navigate this financial squeeze:

1. Bundle Your Policies

Insurers often offer package discounts when you bundle multiple policies, such as General Liability and Workers Compensation. Ask your broker about combining coverages under one carrier.

2. Increase Your Deductibles

Raising your deductible can lower your premiums. If you have a solid safety record and cash reserves to cover small losses, this can be a smart way to cut costs without losing coverage.

3. Reassess Payroll and Class Codes

Make sure your Workers Compensation policy accurately reflects your team’s job duties. Misclassified employees can drive up premiums. Adjusting codes to better fit the work being done can result in savings.

4. Review Subcontractor Agreements

Ensure your subcontractors carry their own valid insurance and name you as an additional insured. This can help limit your liability and reduce claims against your own policy.

5. Shop Around at Renewal

Insurance markets shift constantly. Even if you’ve been with the same carrier for years, it pays to get competitive quotes. A construction insurance specialist can do this for you.

6. Use Telematics in Business Vehicles

Installing GPS tracking and telematics devices in work vehicles helps reduce Business Auto premiums by promoting safer driving and offering usage-based insurance options.

7. Implement a Formal Safety Program

Insurers love proactive safety. Having a documented program—including safety training, toolbox talks, and proper PPE usage—can qualify you for discounts, especially on Workers Comp.

8. Reduce Claims Through Better Risk Management

Fewer claims mean lower premiums over time. Regular job site inspections, fall protection measures, and substance abuse policies are all proven ways to reduce incidents and costs.

9. Review Your Umbrella Policy Limits

Make sure your umbrella coverage is appropriate for your current operations. You may be able to adjust the limit up or down based on project size and risk exposure to better align with your budget.

10. Work with a Construction Insurance Specialist

Navigating these policies is complicated. A specialist knows the nuances of the construction industry and can find savings opportunities a general broker might miss.

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BGES Group—Your Construction Insurance Experts

If you’re a contractor in New York or the Tri-State area, BGES Group can help you protect your business while managing rising costs. We specialize in General Liability, Umbrella, Business Auto, and Workers Compensation coverage for construction businesses of all sizes.

Contact Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Let BGES Group analyze your current policies and show you how to save—without compromising the coverage you need.

Navigating the complexities of workers’ compensation can be a daunting task for contractors in the Tri-State area. With varying state regulations and evolving industry standards, understanding workers’ comp is essential. This guide aims to simplify the process, offering practical tips and insights to help contractors manage their workers’ comp review efficiently.

Understanding Workers’ Comp Basics

Before diving into the specifics, it’s crucial to grasp the basic principles of workers’ compensation. This system is designed to protect both employers and employees when a work-related injury occurs. Knowing the fundamental elements can help contractors navigate their responsibilities accurately. For instance, workers’ compensation provides financial assistance for medical expenses and a portion of lost wages to employees who suffer from work-related injuries or illnesses. In return, employees generally relinquish the right to sue their employer for negligence. This exchange creates a safety net for both parties, fostering a sense of security within the workplace. Contractors in the Tri-State area must ensure they clearly understand what constitutes a compensable injury and how to handle reporting and filing processes efficiently.

Another critical aspect of workers’ comp is coverage requirements. Employers are typically required to obtain insurance that meets specific criteria to fulfill legal obligations. It’s important to identify who is eligible for coverage under your policy. Independent contractors, for instance, might not be covered unless specified in your contract or state guidelines. Understanding these fine details will ensure you are both compliant with the law and adequately protecting everyone involved. By aligning your knowledge with the basics of workers’ compensation, you’ll establish a solid foundation for more complex topics and ensure all involved parties benefit from the arrangement.

Navigating State-Specific Regulations in the Tri-State Area

The Tri-State area, comprising New York, New Jersey, and Connecticut, presents unique regulatory challenges. Each state has distinct requirements for workers’ comp. Understanding these differences is key to maintaining compliance and ensuring proper coverage for your workers. For instance, New York’s workers’ compensation law mandates that nearly all employers have coverage, yet there are exemptions based on the number of employees and nature of the business. Meanwhile, New Jersey demands coverage even for part-time employees, emphasizing the state’s commitment to protecting its workforce. Connecticut also follows strict guidelines, with an emphasis on rapid processing of claims to provide quick relief to injured workers.

Contractors need to analyze state-specific regulations carefully to determine which rules are applicable to them. This process involves reviewing each state’s workers’ comp board guidelines, understanding differentiation in benefits, and recognizing the varying statutes of limitation for filing a claim. Furthermore, each state’s definitions of ‘employee’ and ‘employer’ may vary significantly, impacting who must legally receive coverage. This can influence how you categorize your workforce and even the types of policies you invest in. Engaging with local experts familiar with the intricacies of each state’s requirements can help simplify this process, ensuring you meet all necessary legal obligations while providing adequate coverage for your team.

Conducting Regular Workers’ Comp Reviews

Routine reviews of your workers’ comp policies can help in identifying gaps or outdated coverage. These reviews are crucial for staying up-to-date with changes in regulations and ensuring your policies adequately meet your business’s evolving needs. A comprehensive review might include examining your current claims history to identify any patterns or recurring issues. This could reveal opportunities for implementing preventive measures, such as enhanced safety training or ergonomic assessments. Additionally, reviewing the classification of your employees and the potential need for coverage expansion as your projects grow in complexity are essential steps during this assessment.

Technology also plays a vital role in streamlining this process. Many contractors are turning to digital solutions for tracking compliance and claim status changes. These platforms can provide real-time updates on regulatory shifts, helping you to adapt swiftly and avoid penalties or lapses in coverage Business Software. Incorporating tools that automate parts of the review process allows you to focus on strategic decision-making rather than administrative tasks. By prioritizing regular reviews through a mix of technology and expert consultancy, you can uphold a standard of excellence within your workers’ comp protocol, ensuring comprehensive protection.

Engaging with Workers’ Comp Experts

Consulting with experts can provide valuable insights and guidance. These professionals can help interpret complex regulations and recommend best practices tailored to your business’s specific needs. By collaborating with specialists, you gain access to up-to-date information regarding legal obligations and industry trends. They can offer critical evaluations of your current policy standing, identifying areas that could benefit from adjustments or enhancements. Additionally, experts often provide training sessions for management and staff, equipping them with the knowledge needed to handle claims efficiently and foster a safer work environment.

As a contractor, your focus should be on your projects and clients, and letting an expert manage the intricacies of workers’ comp frees up vital resources. Furthermore, partnering with a seasoned advisor can facilitate a smoother claims process, ensuring prompt settlements and minimizing disputes. Engaging with specialists is particularly beneficial when you operate across multiple states with varying laws, as they can ensure compliance on all fronts. This partnership fosters a proactive approach to risk management, aligning your business’s growth with a vision of safety and legal adherence.

Implementing Safety Programs to Reduce Claims

Proactive safety measures can lead to a reduction in workers’ comp claims, potentially lowering your premium costs. Implementing a comprehensive safety program is a practical way to protect your workforce and your bottom line. Start by conducting a thorough workplace assessment to identify potential hazards. Engage employees in this process, fostering a culture where safety is a shared responsibility. Regular training sessions and drills not only educate but also empower your team to act decisively in critical situations.

Incorporating technology can enhance the effectiveness of your safety initiatives. For example, using apps and wearable technologies that monitor and report conditions in real time can dramatically decrease the likelihood of accidents Safety Technology. Such tools facilitate prompt hazard detection and response, transforming how safety protocols are administered. Encouraging a transparent communication channel within your workforce for reporting safety concerns or near-misses also builds trust and a proactive safety culture. Investing in these programs not only helps prevent claims but also cultivates an environment where employees feel valued and protected, ultimately contributing to your business’s reputation and success.

Wrapping Up: Empowering Your Business with Knowledge

By understanding the nuances of workers’ comp policies and employing proactive strategies, Tri-State contractors can protect their businesses and employees effectively. Consistent reviews and expert consultations will ensure compliance and peace of mind.

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 Tri-State area contractors, managing overhead costs is always top of mind. One of the biggest expenses—workers comp insurance for contractors—can feel like a financial drain, especially when you’re locked into a high, fixed monthly premium that doesn’t reflect your actual payroll activity. Fortunately, there are better ways to manage your workers’ comp that can free up cash flow and keep your coverage compliant. Two powerful alternatives—Pay-As-You-Go Workers’ Comp and Workers’ Comp Payroll Programs—can help contractors stay protected without overpaying.

Let’s explore both options and see how a specialist like BGES Group can help contractors across New York, New Jersey, and Connecticut set up smarter coverage that fits the way they work.

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Option 1: Pay-As-You-Go Workers’ Comp – Stay Flexible, Pay Only for What You Use

Traditional workers’ compensation insurance requires businesses to estimate their annual payroll and pay premiums based on that estimate. This often results in contractors overpaying up front or getting hit with large bills at audit time when actual payroll figures don’t match the estimate. Not ideal—especially for seasonal businesses or companies with fluctuating crew sizes.

Enter Pay-As-You-Go Workers’ Comp, a flexible billing option that allows you to:

• Pay premiums based on actual payroll each pay period

• Avoid large year-end audit adjustments

• Reduce the strain on cash flow by paying smaller, more accurate amounts regularly

• Easily adjust coverage as your workforce grows or shrinks

Many contractors search online for workers comp insurance for small business or affordable workers comp coverage and discover Pay-As-You-Go plans as a way to gain more control and avoid overpaying during slower months.

This option is particularly beneficial for companies that:

• Hire temporary or seasonal workers

• Subcontract certain jobs

• Deal with unpredictable work volume

With Pay-As-You-Go, your premium aligns with your payroll—nothing more, nothing less.

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Option 2: Workers’ Comp Payroll Program – One Source for Payroll and Coverage

Another increasingly popular solution is integrating your workers’ comp with your payroll service through a Workers’ Comp Payroll Program. Instead of using separate vendors for payroll and insurance, you combine them, streamlining the process and reducing the risk of errors.

Here’s how it works:

• Your payroll provider automatically calculates your workers’ comp premium based on real-time payroll numbers.

• Premiums are deducted when you run payroll—no estimating, no guesswork.

• You receive detailed reporting and avoid surprises at audit time.

Contractors often discover this option when looking for payroll integrated workers comp or workers comp programs for contractors, realizing it simplifies administrative tasks while offering accurate premium calculations.

This option works especially well for:

• Small to mid-size contractors who want to simplify operations

• Companies looking to reduce administrative overhead

• Business owners who want real-time insight into labor and insurance costs

One of the biggest advantages? Peace of mind. When everything is synced, the chances of misreporting payroll or missing a payment decrease significantly.

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Why BGES Group is the Go-To Workers’ Comp Partner for Tri-State Contractors

Choosing the right partner for your workers’ comp coverage can be the difference between saving money or losing it. That’s where BGES Group comes in. As one of the Tri-State area’s most trusted workers compensation insurance specialists, BGES Group has built its reputation by offering customized solutions for contractors of all sizes.

We work with contractors every day to set up:

• Pay-As-You-Go plans with top-tier carriers

• Integrated payroll workers comp programs with trusted payroll providers

• Audit-proof coverage with real-time tracking

• Coverage that aligns with your business structure (whether you use W2 employees or 1099 subcontractors)

Our team understands the complexities of the construction world. Whether you’re a general contractor, plumber, electrician, landscaper, or roofer, we’ll help you find a plan that protects your business, meets state requirements, and keeps costs under control.

Many of our clients come to us after searching for best workers comp insurance for contractors or Tri-State contractors workers comp help. They stay with us because we simplify the process, provide competitive pricing, and offer white-glove service.

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Ready to Rework Your Workers’ Comp Plan?

If you’re tired of paying fixed premiums that don’t reflect your actual workforce, or if you’ve been hit with unexpected audit bills, it’s time to rethink your approach. Let BGES Group show you how to take control of your coverage.

Contact BGES Group Today:

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Whether you need help setting up Pay-As-You-Go, integrating payroll and comp, or reviewing your current policy for savings, BGES Group has your back.

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In Summary

Contractors in New York, New Jersey, and Connecticut have options when it comes to workers comp insurance. You don’t need to accept a fixed monthly premium that doesn’t reflect the ebb and flow of your job sites. With Pay-As-You-Go and Payroll Workers Comp Programs, you can:

• Save money

• Avoid audit surprises

• Simplify administration

• Get coverage that fits the way you work

And with BGES Group guiding the process, you’ll have a partner who knows the ins and outs of contractor insurance like no one else. Call us today and find out why more contractors are switching to smarter, more flexible workers’ comp coverage.