The Decline of Personalized Insurance Services

There was a time when insurance agents truly knew their business inside and out. They understood the policies they sold, knew exactly what was covered and what was excluded, and took the time to personally visit their clients. These professionals built long-term relationships, often keeping the same clients for 10, 20, or even 30 years. They dressed professionally, conducted themselves with integrity, and genuinely cared about their clients’ needs. Even if their main motivation was business, they at least made the effort to wine and dine their clients, ensuring a solid relationship.

Fast forward to today, and the landscape has drastically changed. Insurance agencies now operate like large-scale factories, prioritizing volume over personalized service. For them, bigger has become better, but what does that mean for the client? Unfortunately, the answer is not good. These agencies handle hundreds or even thousands of accounts, assigning massive workloads to their customer service representatives (CSRs). Often, a single CSR may be responsible for managing over a hundred accounts.

The result? High turnover, poorly trained representatives, and a lack of deep understanding about the policies they are servicing. Many CSRs lack the expertise needed to truly grasp policy coverages and exclusions. What’s worse, they may appear knowledgeable simply because they know more than the average client. The harsh reality is that many of them are unqualified, and this fact only becomes glaringly obvious when a client files a claim and realizes their coverage is inadequate or incorrect.

Signs That Your Insurance Agency Is Not Serving You Well

If you are currently working with a large insurance agency, take a moment to ask yourself the following questions:

1. When you call, are your phone calls answered by an automated system instead of a person?
2. How often are you placed on hold for more than five minutes?
3. Have you been told that the person handling your account is away from their desk, out to lunch, or in a meeting?
4. Do you find yourself waiting an unreasonable amount of time just to have your call picked up?
5. Have you noticed that the people servicing your account change frequently?
6. Do you feel confident that your assigned representative understands your coverage needs?
7. Is your insurance representative familiar with the details of your account, or do they have to “look it up” every time?
8. Have they ever made proactive coverage recommendations based on your unique situation?
9. Have they ever taken the time to visit you in person?
10. Do they present your renewal quotes at the last minute, leaving you with little time to review or negotiate?
11. Have you ever heard from them outside of policy renewals or issues? Or do they only call when they need something from you?
12. Does your agency charge hefty fees—anywhere from $500 to $2,500 per policy—without a clear explanation?
13. Are you being charged 10% service fees for handling your workers’ compensation coverage?

If you answered “yes” to several of these questions, chances are, your agency is not prioritizing your needs. Instead, they are focused on increasing their bottom line while providing you with subpar service.

Remembering the Personal Touch: How Insurance Used to Be

For those who were born in the 1960s or earlier, you might recall a time when customer service was far more personal and reliable. Here are a few memories of how things used to be:

• Doctors made house calls when you were sick, ensuring you received care without having to leave home.
• The milkman delivered fresh milk, butter, and even chocolate syrup right to your doorstep.
• Insurance agents took the time to sit at your kitchen table, spending hours discussing your family’s and business’s insurance needs.
• Business relationships lasted decades because they were built on trust, reliability, and mutual respect.

The Importance of Working with a Knowledgeable, Caring Insurance Agent

If you miss the days when insurance was handled by true professionals—people who knew your name, answered your calls, visited you in person, and treated you as an important client—then it may be time to reconsider who you are working with. You deserve an agent who genuinely cares about your needs and offers personalized service, rather than treating you like just another account number.

What We Offer: A Return to the Old-School Experience (With Modern Benefits!)

At BGES Group, we believe in delivering the kind of service that has largely disappeared from today’s insurance industry. When you work with us, you can expect:

1. Personalized Service – Your account will be handled by one dedicated professional who knows you and your needs.
2. Immediate Response – When you call, your assigned representative will answer within seconds.
3. Extensive Experience – Your contact has 44 years of experience in insuring businesses and individuals.
4. Rapid Problem Resolution – Any issues will be addressed immediately, right after your call ends.
5. Unmatched Integrity – Your contact is responsible, ethical, and committed to protecting your best interests.
6. Availability When You Need It – You will have access to your representative day and night, Monday through Sunday.
7. Fair Pricing – We do not charge excessive policy or service fees. Our focus is on helping you save money, not overcharging you.
8. In-Person Support – Need a face-to-face meeting? We will come to your office within hours if necessary.
9. Trustworthiness – Over time, you will see that we are 100% reliable and dedicated to you.
10. Client-First Approach – Your needs always come first. We will fight for you, ensuring you get the best possible coverage and service.

Why Choose BGES Group?

Located in Larchmont, NY, BGES Group specializes in New York Construction Insurance and represents over 50 insurance companies. We offer comprehensive coverage options, including:

• General Liability & Umbrella Liability
• Property Insurance
• Builders Risk
• Inland Marine Insurance
• Auto Insurance
• Workers’ Compensation
• NY State Disability Insurance
• Bid & Performance Bonds
• Group Health Insurance

We are highly responsive, trustworthy, and efficient. Unlike large agencies, we will never leave you waiting or charge you ridiculous service fees. When you call, email, or text—even on weekends—we are available to assist you immediately.

Specialized Workers’ Compensation Solutions

We are also Workers’ Compensation Insurance Specialists serving tri-state business owners. If you are experiencing issues such as:

• High rates or unfair pricing
• Policy cancellations
• Difficulty obtaining coverage due to past losses
• Audit disputes
• Payroll misclassification

We can help! We have specialized programs for businesses in construction, auto service, trucking, logistics, recycling, and manufacturing. We even have access to a preferred program offering competitive pricing, long-term coverage stability, and a hassle-free audit process.

Contact Us Today

If you are tired of impersonal service and are looking for an honest, experienced, and dedicated insurance partner, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com.

Visit our website: www.bgesgroup.com

BGES Group – Bringing back the personalized service you deserve!

Introduction

If you are a contractor, you already know that your business involves significant risks. Whether you run a construction company, a plumbing service, or an electrical contracting business, workplace injuries are always a possibility. Accidents can happen in an instant, and if an employee gets hurt on the job, the financial and legal consequences can be severe. This is why workers’ compensation insurance is not just an option—it’s a necessity.

Workers’ compensation insurance protects both your business and your employees by covering medical expenses, lost wages, and rehabilitation costs in the event of an injury. It also shields your business from lawsuits related to workplace injuries. Without this coverage, a single injury claim could result in financial devastation, legal troubles, and even the closure of your business.

In this article, we’ll explore why contractors need workers’ compensation insurance, the different options available, and how BGES Group, a workers’ compensation specialist, can help businesses in the Tri-State area secure the best coverage.

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Why Contractors Need Workers’ Compensation Insurance

1. Legal Requirements

Most states mandate that contractors carry workers’ compensation insurance if they have employees. The specific requirements vary by state, but failure to comply can lead to:

• Hefty fines and penalties

• Business license revocation

• Lawsuits from injured workers

Even if your state does not require workers’ compensation for your specific type of work, general contractors and project owners often demand proof of coverage before hiring subcontractors. Without it, you may lose out on valuable job opportunities.

2. Financial Protection

If an employee is injured on the job, the costs can be overwhelming. Medical expenses, rehabilitation, lost wages, and potential legal fees can add up quickly. Without insurance, your business would be financially responsible for these costs.

Workers’ compensation insurance ensures that these expenses are covered, protecting your company from financial hardship.

3. Employee Safety and Morale

Providing workers’ compensation insurance shows your employees that you care about their well-being. Employees who feel protected are more likely to:

• Be productive

• Remain loyal to your company

• Follow safety protocols

This can lead to a safer, more efficient workplace, reducing the chances of accidents occurring in the first place.

4. Protection Against Lawsuits

Without workers’ compensation insurance, an injured employee has the right to sue your company for medical expenses, pain and suffering, and lost wages. A single lawsuit could cost your business hundreds of thousands of dollars—or more.

With proper coverage, workers’ compensation laws generally prevent employees from suing their employer, as they receive benefits through the insurance instead.

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Workers’ Compensation Insurance Options for Contractors

1. Guaranteed Cost Plan

A Guaranteed Cost Plan offers a predictable premium that does not fluctuate based on the number or severity of claims. This option is ideal for contractors who want stable, consistent costs.

Benefits:

• Fixed premium, regardless of claims

• Easy budgeting for insurance costs

• Stability in pricing

This plan is best for contractors with stable operations and a good safety record who prefer predictability in their expenses.

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2. Payroll Workers’ Compensation Insurance Plan

A Payroll Workers’ Compensation Insurance Plan ties your workers’ compensation premium to your payroll. Instead of paying a large upfront premium, your costs are calculated based on real-time payroll figures.

Benefits:

• No large upfront deposits

• Premiums adjust with payroll, preventing overpayments

• Ideal for businesses with fluctuating workforces

This is a great option for seasonal contractors or those with variable workforces, as you only pay for coverage as payroll fluctuates.

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3. Professional Employer Organization (PEO) Plan

A Professional Employer Organization (PEO) Plan allows contractors to outsource payroll, HR, and workers’ compensation insurance to a PEO. The PEO handles compliance, claims management, and premium payments.

Benefits:

• Lower workers’ compensation rates due to PEO’s group purchasing power

• Reduced administrative burden

• Access to expert claims management and risk reduction strategies

This option is perfect for small to mid-sized contractors who want to reduce costs and administrative work while still getting comprehensive coverage.

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4. State Workers’ Compensation and Assigned Risk Plans

Some contractors, especially those in high-risk industries, may have trouble obtaining affordable workers’ compensation insurance from private carriers. In such cases, they may need to turn to state workers’ compensation funds or assigned risk plans.

Benefits:

• Coverage available even for high-risk businesses

• Backed by the state, ensuring compliance with legal requirements

The downside is that state-run and assigned risk plans often come with higher premiums. They are typically a last resort for businesses that cannot obtain traditional insurance.

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Why Choose BGES Group for Your Workers’ Compensation Needs?

Choosing the right workers’ compensation plan can be overwhelming. That’s where BGES Group comes in. We specialize in helping contractors navigate workers’ compensation insurance, ensuring you get the best coverage at the most competitive rates.

What Sets Us Apart?

• Workers’ Compensation Experts: With years of experience, we understand the unique risks contractors face and can tailor coverage accordingly.

• Access to Multiple Plans: Whether you need a Guaranteed Cost Plan, Payroll-Based Plan, PEO Plan, or Assigned Risk Plan, we have solutions to fit your needs.

• Personalized Service: We take the time to understand your business, so you get the right coverage without overpaying.

• Claims Assistance & Risk Management: We help you reduce claims, lower premiums, and maintain compliance with state regulations.

If you’re a contractor in the Tri-State area (New York, New Jersey, Connecticut) and need workers’ compensation insurance, BGES Group is here to help!

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Contact BGES Group Today!

Phone: (914) 806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t wait until an accident happens. Protect your business and your employees today! Contact BGES Group to discuss your workers’ compensation insurance options and secure the best coverage for your contracting business.

Navigating the world of workers comp insurance can be daunting, especially for independent contractors who may not have the same resources as larger companies. This FAQ aims to shed light on how workers comp insurance operates specifically for contractors, ensuring that you’re prepared and covered.

What is Workers Comp Insurance?

Workers comp insurance is a safety net for both employees and employers, covering medical expenses and lost wages for workers who sustain job-related injuries or illnesses. This form of insurance is particularly important in the construction industry, where the risk of accidents is higher. By providing financial support to injured workers, workers comp insurance helps maintain workforce stability and mitigates the risk of lawsuits against businesses.

For contractors, workers comp insurance functions similarly but with certain nuances. Independent contractors might not be mandated to carry this insurance unless they employ others. However, it can be instrumental in offering protection from financial liabilities arising from workplace injuries. This form of coverage is critical, especially for those working in high-risk environments where accidents can lead to substantial financial losses.

It’s essential to comprehend the specifics of workers comp insurance for contractors, as the provisions can vary significantly from state to state. Knowing your coverage and understanding how to navigate claims ensures that you remain compliant and protected while focusing on delivering high-quality work to your clients.

Do Contractors Need Workers Comp Insurance?

The necessity for workers comp insurance among contractors varies based on multiple factors, including state laws and the nature of the work being performed. In many states, if you hire employees or subcontractors, obtaining workers comp insurance becomes a legal requirement. However, if you work independently, the requirement might not strictly apply.

Despite the absence of a legal mandate in some instances, carrying workers comp insurance is highly advisable. Contractors often work in environments laden with potential hazards, from operating heavy machinery to working at significant heights. The financial repercussions of a work-related injury can be devastating, making insurance coverage a prudent choice.

Moreover, having workers comp insurance can enhance your standing with clients and partners. Many businesses prefer working with contractors who demonstrate responsibility and reliability by carrying the necessary insurance. This not only safeguards your business but also opens up more opportunities by aligning you with clients that value covered liabilities.

Assessing Your Risk as a Contractor

Assessing the risks associated with your contracting work is a critical step in determining whether you need workers comp insurance. Contractors often face an array of risks, from physical injuries due to machinery and tools, to environmental hazards such as exposure to toxic materials. Evaluating these factors will help you understand your insurance needs.

Consider the projects you undertake and the environments in which you work. Are there significant physical risks involved? Do your projects involve dangerous materials or heights? If so, being insured could mitigate potential financial losses from unforeseen incidents.

It is also worth noting the potential financial impact of not having adequate insurance. Uninsured contractors could face staggering out-of-pocket expenses due to medical bills and legal costs. Thus, a thorough risk assessment helps in planning the necessary safeguards to protect against work-related hazards.

Choosing the Right Coverage

Selecting the right workers comp insurance coverage requires evaluating your specific business needs. Not all policies are created equal, and what may work for one contractor might not fit another. Start by identifying the nature of your work and the common risks associated with it.

One useful approach is consulting with insurance specialists, like those at BGES Group, to explore suitable options available for contractors. They can guide you in navigating different policies and help secure a comprehensive insurance plan tailored to your operational risks.

Additionally, explore policies that offer benefits beyond basic workers comp, such as extended liability and risk management services. This ensures you are not only adhering to legal requirements but also optimizing your coverage for broader protection.

Ultimately, informed decision-making and professional advice can result in choosing a workers comp insurance policy that aligns well with your business goals and risk profile, ensuring peace of mind as you focus on growing your contracting services.

Key Takeaways for Contractors

Understanding workers comp insurance is a critical part of protecting yourself and your clients as a contractor. By knowing the requirements, assessing risks, and exploring coverage options, you can secure your financial and professional future.

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

The construction industry in New York is more competitive and complex than ever in 2025. With rising costs, stricter regulations, and evolving risks, contractors are finding it increasingly difficult to secure the right business insurance. The wrong coverage—or even small gaps in policies—can leave contractors exposed to lawsuits, fines, and financial ruin.

That’s why it’s critical to understand the biggest challenges facing New York contractors when it comes to insurance. More importantly, contractors need a reliable partner who can help them navigate these obstacles and secure the best protection at the most affordable rates.

Enter BGES Group, a specialized insurance agency that has become the go-to resource for New York contractors. They understand the industry’s challenges and have the expertise to provide customized solutions that keep businesses protected and thriving.

The 10 Biggest Insurance Problems Facing New York Contractors in 2025

1. Skyrocketing Insurance Costs

New York contractors are seeing their insurance premiums rise at an alarming rate. General liability, workers’ compensation, and umbrella policies are all increasing due to more claims, stricter underwriting, and the overall risk environment. Many contractors are struggling to afford the necessary coverage, putting their businesses in a vulnerable position.

2. Labor Law 240 (The “Scaffold Law”) Lawsuits

New York’s Labor Law 240 holds contractors and property owners 100% liable for injuries sustained by workers in falls from heights—even if the worker was negligent. This has led to massive lawsuits, soaring insurance premiums, and insurers exiting the market. Contractors are left with fewer options and higher costs.

3. Limited Availability of Coverage

Many major insurance carriers have stopped writing policies for New York contractors, especially in high-risk trades like roofing, scaffolding, and demolition. This makes it incredibly difficult to find comprehensive coverage, and even when available, the premiums can be unaffordable.

4. Stricter Underwriting Requirements

Insurance companies are becoming much more selective, requiring detailed safety programs, loss control measures, and claims history reviews before offering coverage. Many contractors are getting denied or receiving policies with excessive exclusions that leave them exposed.

5. Subcontractor Insurance Issues

General contractors (GCs) are often responsible for ensuring their subcontractors have the right insurance. If a subcontractor has lapsed coverage, insufficient limits, or an excluded policy, the liability can fall back on the GC, leading to costly claims and lawsuits.

6. Inaccurate Classifications and Payroll Audits

Workers’ compensation premiums are based on employee classifications and payroll amounts. Many contractors unknowingly misclassify workers, leading to unexpected premium audits and hefty back charges. Insurance carriers are cracking down, and many contractors are getting blindsided.

7. Difficulty Obtaining Performance & Bid Bonds

Many public and private projects require contractors to obtain performance and bid bonds. However, strict financial and underwriting requirements make it difficult for small and mid-sized contractors to qualify. Without bonding, contractors miss out on lucrative projects.

8. Gaps in Coverage Leading to Denied Claims

Many contractors unknowingly purchase policies with hidden exclusions that result in denied claims when they need coverage the most. Whether it’s an exclusion for subcontractor-caused damage or a limitation on certain types of work, these gaps can be financially devastating.

9. Workers’ Compensation Fraud & Abuse

Workers’ comp fraud—whether from dishonest employees, medical providers, or even subcontractors—continues to be a major issue. Contractors often end up paying inflated premiums due to fraudulent claims, driving up their overall insurance costs.

10. Compliance With New Insurance Laws & Regulations

New York’s insurance laws are constantly changing, making it difficult for contractors to stay compliant. Whether it’s new liability requirements, stricter workers’ comp rules, or additional reporting mandates, contractors must stay informed or risk fines and legal issues.

How BGES Group Helps New York Contractors Solve Their Insurance Problems

New York contractors need an insurance expert who understands the industry’s unique challenges. That’s where BGES Group comes in. Led by industry veteran Gary Wallach, BGES Group has been helping New York contractors secure affordable, high-quality insurance coverage for over 45 years.

Here’s how BGES Group is solving contractors’ biggest insurance headaches:

1. Lowering Insurance Costs

BGES Group works with a wide network of top-tier insurance carriers to find contractors the best possible rates. They specialize in cost-saving strategies, such as risk management programs and policy bundling, to help businesses save thousands.

2. Providing Coverage for High-Risk Contractors

Unlike many brokers who avoid high-risk industries, BGES Group specializes in tough-to-insure trades like roofing, scaffolding, and demolition. They have access to exclusive programs that many other brokers don’t.

3. Navigating Labor Law 240 Challenges

With deep expertise in New York’s Scaffold Law, BGES Group ensures contractors have the right coverage to protect against catastrophic lawsuits. They also provide legal risk assessments and defense strategies to minimize liability.

4. Helping Contractors Avoid Policy Exclusions & Gaps

BGES Group meticulously reviews policies to identify hidden exclusions and make sure contractors are fully protected. Their team ensures coverage aligns with project requirements, preventing claim denials down the road.

5. Ensuring Subcontractor Compliance

BGES Group helps contractors implement subcontractor insurance tracking systems to avoid liability from uninsured or underinsured subs. They make sure all subcontractors meet the necessary insurance requirements before starting work.

6. Preventing Workers’ Comp Audits & Misclassification Issues

Their team works proactively to properly classify employees, track payroll, and prepare for audits, helping contractors avoid unexpected costs and disputes with insurance carriers.

7. Assisting With Bonds & Financial Qualification

BGES Group helps contractors secure bid and performance bonds, even if they have financial challenges. They work closely with bonding companies to improve approval odds.

8. Fighting Workers’ Comp Fraud

BGES Group helps contractors detect fraudulent claims, implement return-to-work programs, and contest fraudulent injuries—reducing unnecessary payouts and keeping premiums in check.

9. Providing Ongoing Risk Management Support

They don’t just sell policies—BGES Group acts as a long-term risk management partner, providing safety training, claims assistance, and compliance support to keep contractors protected.

10. Keeping Contractors Compliant With New Laws

BGES Group stays ahead of evolving regulations, ensuring contractors stay compliant and avoid penalties. They provide updates and guidance on changes in insurance laws and coverage requirements.

Work With BGES Group—New York’s Leading Insurance Partner for Contractors

If you’re a New York contractor struggling with insurance challenges, BGES Group is here to help. Whether you need lower premiums, better coverage, or help navigating complex regulations, their team has the expertise to protect your business and your bottom line.

Contact BGES Group Today

Gary Wallach

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t let insurance challenges hold your business back. Call BGES Group today and get the protection you need to succeed in 2025!

For business owners in the Tri-State area—New York, New Jersey, and Connecticut—navigating workers’ compensation insurance can be a complex and costly endeavor. Traditional workers’ compensation policies require significant upfront premium payments based on estimated annual payroll, which can create cash flow challenges and result in unexpected costs after year-end audits.

However, a pay-as-you-go workers’ compensation program offers a flexible and more financially manageable alternative. This system aligns premium payments with actual payroll, providing greater accuracy, improved cash flow, and reduced audit surprises. Many business owners are shifting to this model to better control expenses while ensuring compliance with state regulations.

How Pay-As-You-Go Workers’ Compensation Works

Pay-as-you-go workers’ compensation programs simplify the way businesses manage their insurance premiums by tying payments directly to payroll processing. Here’s how the system typically functions:

1. Integration with Payroll – The insurance premium is calculated in real-time based on actual payroll data. Employers work with their payroll provider or a specialized insurer to ensure premiums are accurately deducted per pay cycle.

2. Elimination of Large Upfront Costs – Traditional policies require estimated payroll figures, often leading to overpayment or underpayment. Pay-as-you-go eliminates the need for large upfront premium deposits, making it easier for businesses to manage cash flow.

3. Automatic Adjustments – As payroll fluctuates due to seasonal work, employee turnover, or business growth, the insurance cost adjusts accordingly. Businesses only pay for the actual payroll, avoiding costly adjustments after audits.

4. Simplified Audit Process – Since payments are made based on actual payroll, businesses can reduce or eliminate the risk of costly audit discrepancies at the end of the policy period.

5. Access to Coverage for Small Businesses – Many small and mid-sized businesses struggle with meeting workers’ compensation insurance requirements due to financial constraints. Pay-as-you-go options make it easier for them to obtain necessary coverage without the burden of large lump-sum payments.

Why Businesses Should Consider Pay-As-You-Go Workers’ Compensation

For many business owners in the Tri-State area, workers’ compensation insurance is a significant expense. Shifting to a pay-as-you-go model can offer multiple advantages, including:

1. Improved Cash Flow Management

Traditional workers’ compensation policies require businesses to pay large deposits upfront, which can be a financial strain. Pay-as-you-go allows businesses to spread costs evenly throughout the year, preserving working capital for other business expenses.

2. Reduced Risk of Overpayment or Underpayment

Since premiums are based on actual payroll, there is minimal risk of overestimating or underestimating payroll costs. This eliminates the potential for large audit adjustments, which can create unexpected financial burdens.

3. Flexibility for Seasonal and Growing Businesses

Businesses with fluctuating payroll—such as construction companies, hospitality businesses, and seasonal operations—can benefit from pay-as-you-go since premiums automatically adjust to changes in payroll. This ensures that businesses only pay for coverage based on real workforce needs.

4. Easier Budgeting and Forecasting

With predictable premium payments tied to payroll, business owners can more accurately forecast expenses. This reduces financial uncertainty and allows for better long-term planning.

5. Seamless Payroll Integration

Many pay-as-you-go programs integrate seamlessly with payroll providers, reducing administrative workload and minimizing errors. This ensures accurate reporting and premium calculations without requiring extra effort from business owners.

6. Compliance and Risk Mitigation

Workers’ compensation insurance is a legal requirement in New York, New Jersey, and Connecticut. By using a pay-as-you-go model, businesses can maintain compliance with state laws while ensuring they have adequate coverage for employees.

BGES Group: Tri-State Workers’ Compensation Specialists

When it comes to securing the right workers’ compensation coverage for your business, choosing the right provider is crucial. BGES Group is one of the Tri-State area’s leading workers’ compensation specialists, offering customized pay-as-you-go solutions to help business owners optimize coverage while managing costs effectively.

Why Work with BGES Group?

• Expertise in Workers’ Compensation – With years of experience in the industry, BGES Group understands the unique needs of businesses in New York, New Jersey, and Connecticut.

• Custom-Tailored Pay-As-You-Go Programs – BGES Group works closely with business owners to implement flexible payment solutions that align with payroll cycles and business cash flow.

• Seamless Payroll Integration – Their programs integrate with most payroll providers, ensuring accurate and hassle-free premium calculations.

• Dedicated Support & Consultation – BGES Group provides ongoing support to ensure businesses maintain compliance, reduce risk, and optimize their workers’ compensation coverage.

• Audit & Compliance Assistance – By partnering with BGES Group, businesses can minimize audit surprises and maintain accurate reporting throughout the year.

Get in Touch with BGES Group

If you’re a business owner in the Tri-State area looking for a more flexible and cost-effective way to manage your workers’ compensation insurance, BGES Group can help.

Contact BGES Group today to learn more about their pay-as-you-go workers’ compensation programs and find a solution that works for your business.

📞 Phone: 914-806-5853 – Gary Wallach

📧 Email: bgesgroup@gmail.com

🌐 Website: www.bgesgroup.com

Take control of your workers’ compensation costs with a pay-as-you-go solution from BGES Group—your trusted Tri-State insurance specialists.

Running a restaurant in New York (we service the tri-state area) comes with many challenges, from managing daily operations to dealing with rising costs, staffing issues, and complex regulations. One of the biggest headaches for restaurant owners, however, is securing the right insurance coverage. Finding an affordable and comprehensive policy that protects your business from potential risks—while keeping costs manageable—can feel like an impossible task.

That’s why BGES Group is excited to introduce our brand-new restaurant insurance program, designed specifically for New York restaurants. This program is tailored to meet the unique needs of restaurant owners, offering comprehensive coverage that includes:

• Property Insurance – Protects your restaurant’s physical assets, including the building, equipment, inventory, and furnishings.

• General Liability Insurance – Shields your business from claims related to customer injuries, property damage, and other common risks.

• Liquor Liability Insurance – Essential coverage for restaurants serving alcohol, protecting against claims related to alcohol-related incidents.

• Workers’ Compensation Insurance – Covers medical expenses, lost wages, and other costs related to employee injuries on the job.

Key Features of Our Restaurant Insurance Program

1. Designed for Restaurants with Sales Up to $5 Million

Our program is ideal for small to mid-sized restaurants with total annual sales of up to $5 million. Whether you operate a fine dining establishment, a casual eatery, or a trendy bar and grill, this program provides the protection you need without unnecessary costs.

2. Covers Liquor Sales Up to 45% of Total Revenue

Many insurance companies hesitate to cover restaurants that generate significant revenue from alcohol sales. Our program accepts liquor sales of up to 45% of total revenue, making it a perfect fit for bars, gastropubs, and high-end restaurants that rely on alcohol sales to drive profits.

3. Comprehensive Coverage in One Package

Instead of dealing with multiple insurers and policies, our program offers an all-in-one solution that covers property, liability, liquor liability, and workers’ compensation. This streamlined approach not only saves you time but also ensures that you have no gaps in coverage that could leave you vulnerable to financial loss.

4. Quotes Within 1 Hour or Less

One of the most frustrating aspects of buying insurance is waiting for quotes. With our new program, BGES Group can provide you with a quote in one hour or less. We understand that time is money, and we work quickly to get you the coverage you need without delays.

Why Choose BGES Group?

With so many insurance providers out there, you might be wondering why BGES Group is the best choice for your restaurant. Here’s what sets us apart:

1. Experts in New York Restaurant Insurance

We specialize in restaurant insurance and understand the unique risks and challenges that New York restaurant owners face. From labor laws to liquor liability concerns, we know what coverages matter most to protect your business.

2. Competitive Pricing & Custom Solutions

We work with a network of top-rated insurance carriers to find you the best coverage at the most competitive rates. Our policies are designed to fit your specific needs, so you don’t have to overpay for unnecessary coverage.

3. Fast, Hassle-Free Service

Time is precious in the restaurant business. Whether you need a quick quote, a policy change, or a claim filed, we handle everything quickly and efficiently so you can focus on running your restaurant.

4. Dedicated Support & Guidance

At BGES Group, we believe in building long-term relationships with our clients. We don’t just sell you a policy and disappear—we’re here whenever you need us, providing guidance, support, and expert advice to keep your business protected.

Why Insurance is Critical for New York Restaurants

Owning a restaurant is exciting, but it also comes with significant risks. Without the right insurance coverage, a single lawsuit, fire, or workers’ compensation claim could put your entire business in jeopardy. Here’s why each type of coverage in our program is essential:

1. Property Insurance – Protect Your Assets

Imagine a fire breaking out in your kitchen, destroying your equipment and causing extensive damage to your building. Property insurance covers repairs, replacement costs, and lost income while your restaurant is closed for repairs.

2. General Liability – Protect Against Customer Lawsuits

If a customer slips and falls inside your restaurant or claims to have gotten food poisoning, you could face an expensive lawsuit. General liability insurance covers medical expenses, legal fees, and settlements, so you’re not paying out of pocket.

3. Liquor Liability – Essential for Restaurants Serving Alcohol

In New York, if a customer gets into an accident after drinking at your restaurant, you could be held responsible. Liquor liability insurance protects your business from alcohol-related lawsuits, helping cover legal costs and settlements.

4. Workers’ Compensation – Keep Your Employees Protected

Injuries are common in the restaurant industry, from kitchen burns to slips and falls. Workers’ compensation insurance covers medical bills, lost wages, and rehabilitation costs, protecting both your employees and your business.

Get a Quote in 1 Hour or Less!

Don’t waste time shopping around for multiple policies or waiting days for a quote. With BGES Group, you can get a quote for our exclusive New York restaurant insurance program in just one hour or less!

Contact Us Today!

To learn more about our new restaurant insurance program or to get a fast, free quote, contact us today:

Phone: 914-806-5853 – Gary Wallach

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

We’re here to make restaurant insurance simple, affordable, and hassle-free. Let us help you protect your business so you can focus on what you do best—serving great food and creating unforgettable dining experiences!

As a business owner in New York, New Jersey, or Connecticut, navigating the complexities of workers’ compensation insurance can be overwhelming. From skyrocketing premiums to denied claims and coverage gaps, these challenges can drain your resources and create unnecessary stress.

If you’re struggling with your current workers’ compensation policy, the BGES Group is here to help. As workers’ compensation specialists with over 45 years of experience, BGES Group has the expertise and industry connections to resolve your issues, lower your costs, and even find you a new policy if necessary.

15 Common Workers’ Compensation Problems BGES Group Can Solve

Many Tri-State business owners face common issues with their workers’ compensation insurance. Here are 15 ways BGES Group can help:

1. Skyrocketing Premiums

Are your premiums increasing every year? BGES Group works with top-rated insurance carriers to negotiate lower rates, saving you thousands of dollars.

2. Coverage Gaps That Put You at Risk

Many policies leave businesses exposed to potential claims. BGES Group ensures you have comprehensive coverage tailored to your industry.

3. Difficult and Time-Consuming Audits

Workers’ compensation audits can be stressful and confusing. BGES Group helps you prepare, ensuring you’re not overpaying due to miscalculations.

4. Misclassified Payroll Leading to Overcharges

If your employees are classified incorrectly, you could be paying more than necessary. BGES Group ensures accurate classification, lowering your premiums.

5. Denied or Delayed Claims

When employees file claims, delays or denials can lead to costly lawsuits. BGES Group helps you manage claims efficiently, reducing risks.

6. High Experience Modification Rate (MOD Rate)

A high MOD rate leads to higher premiums. BGES Group helps businesses implement strategies to reduce their MOD rate and lower costs.

7. Poor Claims Management Leading to Higher Costs

If your claims process is slow or ineffective, your insurance costs will rise. BGES Group provides expert claims management to keep costs in check.

8. Safety Violations and Compliance Issues

Not meeting OSHA and industry safety requirements can lead to fines and higher premiums. BGES Group offers risk management solutions to improve workplace safety.

9. Limited Carrier Options

If you’re stuck with one carrier, you may not be getting the best deal. BGES Group works with multiple carriers to find the right policy for your needs.

10. Policy Cancellations or Non-Renewals

Has your policy been canceled or not renewed? BGES Group can find you a new policy—even if you’ve been turned down before.

11. Poor Customer Service from Your Current Broker

If your broker isn’t responsive, it can hurt your business. BGES Group provides hands-on service with expert guidance.

12. Trouble Getting Workers’ Compensation Certificates Quickly

Waiting for certificates can delay contracts and payments. BGES Group provides fast certificate processing—often within minutes.

13. Struggling to Secure Coverage with Prior Claims History

If you’ve had previous claims, finding coverage can be difficult. BGES Group specializes in high-risk businesses and can still secure coverage.

14. Confusing State Regulations

Each state has different workers’ compensation laws. BGES Group ensures your business stays compliant with Tri-State regulations.

15. No Return-to-Work Program

A lack of return-to-work policies can result in extended claims and higher costs. BGES Group helps you implement programs that get injured employees back to work faster.

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Special Programs Offered by BGES Group

In addition to solving workers’ compensation issues, BGES Group offers specialized programs to meet the unique needs of different industries.

1. Pay-As-You-Go Workers’ Compensation

Traditional workers’ compensation policies require large upfront payments. BGES Group offers Pay-As-You-Go plans, allowing businesses to pay based on actual payroll, improving cash flow.

2. High-Risk Business Coverage

Many insurance companies won’t cover businesses in high-risk industries like construction, trucking, and manufacturing. BGES Group specializes in securing coverage for these industries.

3. Professional Employer Organization (PEO) Services

For businesses that need help managing HR, payroll, and workers’ compensation, BGES Group offers PEO services that combine all these functions into one streamlined solution.

4. Claims Prevention and Safety Programs

Preventing claims is just as important as managing them. BGES Group helps businesses implement safety programs to reduce workplace injuries and keep premiums low.

5. New York Construction Workers’ Compensation Programs

For contractors and construction companies, BGES Group offers specialized workers’ compensation programs that provide better rates and coverage options.

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BGES Group: Your Trusted Workers’ Compensation Specialists

When it comes to workers’ compensation insurance, experience matters. BGES Group has been helping businesses for decades, securing better coverage, reducing costs, and ensuring compliance. Whether you’re dealing with high premiums, claims issues, or need a new workers’ compensation policy, BGES Group has the solutions you need.

Why Choose BGES Group?

✔ Over 45 Years of Experience

✔ Access to Multiple Insurance Carriers

✔ Specialists in High-Risk and Hard-to-Insure Businesses

✔ Fast Certificate Processing

✔ Personalized, Hands-On Service

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Contact BGES Group Today!

If you’re struggling with workers’ compensation insurance and need expert guidance, BGES Group is ready to help. Contact them today to discuss your business’s needs and explore your coverage options.

📍 BGES Group

📞 Phone: (914) 806-5853 – Gary Wallach

📧 Email: info@bgesgroup.com

🌐 Website: www.bgesgroup.com

Don’t let workers’ compensation problems hurt your business! Call BGES Group today and get the solutions you need.

How to Renew Your General, Umbrella, and Workers’ Compensation Insurance Policies with Ease

For contractors in New York, keeping up with insurance renewals is a crucial part of running a successful business. The construction industry is full of risks, and having the right insurance policies in place ensures compliance with state regulations while protecting your company from potential financial ruin.

As we move into 2025, contractors must be proactive about renewing their General Liability, Umbrella, and Workers’ Compensation insurance policies. Delaying or neglecting this process could result in coverage lapses, increased costs, or even the inability to secure new contracts.

To make the renewal process seamless, contractors can turn to BGES Group, one of New York’s leading specialists in construction insurance. With decades of experience, BGES Group, led by Gary Wallach, helps contractors secure competitive rates while ensuring they have the best coverage tailored to their specific needs.

Understanding the Importance of Renewing Your Insurance Policies

Before diving into the renewal process, it’s essential to understand why keeping your insurance policies up to date is so critical:

• Legal Compliance: New York requires contractors to maintain adequate insurance coverage, including Workers’ Compensation, to operate legally.
• Contractual Obligations: Many project owners and general contractors require proof of active insurance before awarding contracts.
• Financial Protection: Unexpected accidents, property damage, or lawsuits can lead to devastating financial consequences. Insurance provides a safety net.
• Premium Savings: Letting a policy lapse or renewing at the last minute can result in significantly higher premiums.

Step-by-Step Guide to Renewing Your Insurance in 2025

1. Start the Renewal Process Early

Insurance renewal should begin at least 90 days before your policy expires. This gives you enough time to review your coverage, compare quotes, and make adjustments if necessary. Waiting until the last minute can lead to rushed decisions and higher premiums.

2. Review Your Current Coverage

Before renewing, evaluate your current policies:

• General Liability Insurance: Does your policy provide sufficient protection against third-party bodily injury, property damage, and legal expenses?
• Umbrella Insurance: Do you need higher liability limits to cover additional risks?
• Workers’ Compensation Insurance: Are you paying the correct premiums based on your payroll and job classifications?

Discuss these aspects with BGES Group, as they can help determine if your coverage meets your current operational needs.

3. Assess Business Changes That Impact Insurance Needs

Have you expanded your business? Hired more employees? Taken on larger projects? If so, you may need additional coverage. Contractors should work with an expert to adjust policies accordingly, ensuring they are adequately protected.

4. Shop Around for the Best Rates

Insurance rates fluctuate due to market conditions, claims history, and changes in underwriting guidelines. BGES Group specializes in securing the most competitive rates for New York contractors by leveraging their relationships with top-rated insurance carriers.

5. Manage Your Workers’ Compensation Costs

Workers’ Compensation insurance is one of the biggest expenses for contractors. Here’s how you can keep costs under control:

• Implement a strong safety program to reduce workplace injuries.
• Ensure proper employee classification to avoid overpaying on premiums.
• Consider a pay-as-you-go option to align premiums with actual payroll.

BGES Group can analyze your current policy and help you identify ways to lower your Workers’ Compensation costs.

6. Ensure Compliance with New York State Requirements

New York State has stringent insurance regulations for contractors. Non-compliance can result in fines, penalties, or the suspension of your business operations. BGES Group stays up to date on New York’s latest regulations and ensures that their clients remain compliant.

7. Avoid Coverage Gaps

A lapse in coverage, even for a day, could put your business at risk. Some insurance carriers may refuse to reinstate your policy, forcing you to find a new provider at a much higher premium. By working with BGES Group, you can ensure seamless coverage and avoid unnecessary financial risks.

Why Choose BGES Group for Your Insurance Renewals?

Navigating insurance renewals in New York’s competitive construction industry can be overwhelming, but BGES Group makes the process simple and stress-free.

Here’s why hundreds of contractors trust Gary Wallach and BGES Group for their insurance needs:

✅ Construction Industry Specialists – With decades of experience, BGES Group understands the unique challenges New York contractors face.

✅ Competitive Rates – They work with top-tier insurance carriers to secure the best possible premiums.

✅ Customized Coverage – Every business is different, and BGES Group tailors policies to match your specific needs.

✅ Proactive Customer Service – They handle renewals efficiently, helping you avoid last-minute scrambling and expensive lapses in coverage.

✅ Expert Guidance – Whether it’s General Liability, Umbrella, or Workers’ Compensation insurance, BGES Group ensures you have the right protection.

Get in Touch with BGES Group Today!

If you’re a New York contractor looking to renew your insurance policies in 2025, let BGES Group simplify the process for you. Don’t wait until the last minute—start today and secure the best coverage at the best price!

📞 Call or Text Gary Wallach: 914-806-5853
📧 Email: bgesgroup@gmail.com
🌐 Visit: www.bgesgroup.com

By taking the right steps and partnering with a trusted insurance specialist like BGES Group, you can protect your business, comply with regulations, and save money in the process.

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If you’re a contractor in New York, you may have recently received troubling news from your insurance provider: your workers’ compensation coverage is being non-renewed. Unfortunately, many contractors are facing this issue as insurance companies tighten their underwriting standards and pull out of high-risk industries.

Losing your workers’ compensation coverage can put your business in serious jeopardy. Not only is this insurance legally required in New York, but without it, you could face heavy fines, work stoppages, and an inability to secure contracts. So, what’s your next move?

BGES Group: Your Workers’ Compensation Insurance Solution

When your coverage is non-renewed or your premiums skyrocket, you need a partner who understands your industry, works fast, and has your back. That’s where BGES Group comes in. We specialize in securing affordable, comprehensive workers’ compensation coverage for contractors throughout New York.

Here are 10 reasons why New York contractors turn to BGES Group for their workers’ compensation insurance needs:

1. We Say YES When Others Say No

Many insurance companies are exiting the market or refusing to cover high-risk industries like construction. BGES Group works with multiple carriers willing to provide coverage—even for contractors with past claims, high-risk work, or lapses in coverage.

2. Fast & Hassle-Free Coverage Placement

Time is money, and you can’t afford to wait weeks for an insurance policy. Our team works quickly to get you covered, ensuring there are no gaps in your protection so you can continue running your business smoothly.

3. Competitive Pricing & Cost-Saving Options

We understand that workers’ compensation premiums can be a major financial burden. That’s why we shop around and negotiate on your behalf, securing affordable rates while maintaining strong coverage.

4. We Pick Up the Phone When You Call

At BGES Group, you’re not just another policy number. When you have a question or concern, you get a real person on the phone—no endless hold times, no automated systems, just direct and responsive service.

5. Certificates of Insurance Issued in Minutes

Need a certificate of insurance fast to get on a job site? No problem. We issue certificates within minutes—not hours or days—so you can keep your projects moving forward without unnecessary delays.

6. High-Risk Contractors Welcome

Many brokers struggle to find coverage for roofers, steelworkers, demolition contractors, and others in high-risk trades. BGES Group specializes in securing coverage for ALL types of contractors, regardless of risk level.

7. Flexible Payment Plans Available

Cash flow is critical in the construction business, and large upfront insurance costs can strain your finances. We offer flexible payment plans to help ease the burden and keep your business financially stable.

8. Mom-and-Pop Boutique Service with Big Firm Resources

We combine personalized service with the resources of a large brokerage. This means you get one-on-one attention and expert guidance from a dedicated professional, while still benefiting from top-tier insurance options.

9. Expert Claims Support to Protect Your Business

Workers’ compensation claims can be complex and costly. We advocate for you, helping to manage claims efficiently and reduce their impact on your experience rating and future premiums.

10. We’re Your Long-Term Insurance Partner

At BGES Group, we’re not just here to sell you a policy—we’re here to help your business thrive. We proactively review your coverage, identify cost-saving opportunities, and ensure you remain compliant with New York’s strict workers’ compensation laws.

Don’t Let a Non-Renewal Disrupt Your Business—Call BGES Group Today!

If your workers’ compensation coverage is being non-renewed, don’t panic. BGES Group is here to help you find the best policy at the best price—with the best service in the industry.

Contact Us Today!

📞 Phone: 914-806-5853 – Gary Wallach
📧 Email: bgesgroup@gmail.com
🌎 Website: www.bgesgroup.com

Let BGES Group take the stress out of workers’ compensation insurance so you can focus on what you do best—building and growing your business. Reach out today and experience the difference of working with a responsive, knowledgeable, and dedicated insurance partner.

The Golden Era of Insurance Agents

There was a time when insurance agents were the epitome of professionalism. They knew their business inside and out, from the intricacies of each policy to the nuances of coverage and exclusions. They built long-term relationships with their clients, often lasting decades. These professionals visited clients in person, understood their needs, and dressed the part. They weren’t just salespeople; they were trusted advisors who cared deeply about their clients’ well-being.

The Shift to Factory-Style Agencies

Fast forward to today, and the industry has changed dramatically. Large insurance agencies operate like factories, processing policies in bulk rather than fostering genuine client relationships. Bigger has become better for them, but at what cost to the client?

Agencies now assign hundreds of accounts to each Customer Service Representative (CSR), leading to high turnover rates and inadequate training. Many CSRs don’t fully understand the policies they’re managing, creating an illusion of knowledge simply because they know more than the average client. The real problem emerges when a claim is filed, and clients discover their coverage isn’t what they thought it was.

Questions to Ask Yourself

If you’ve worked with a large insurance agency, consider these questions:

1. Are your phone calls answered by a machine?
2. How often are you placed on hold for over five minutes?
3. Have you ever been told your agent is away from their desk, at lunch, or in a meeting?
4. Do you get frustrated waiting for someone to pick up your call?
5. Does your service representative change frequently?
6. Do you feel confident they know what they’re doing?
7. Are they familiar with your account details?
8. Have they ever proactively recommended coverage adjustments?
9. Do they visit you in person?
10. Do they wait until the last minute to provide renewal quotes?
11. Do you ever hear from them unless you initiate contact?
12. Does your agency charge between $500 and $2,500 for each policy they service?
13. Have you ever wondered if you’re being overcharged for workers’ compensation coverage?

If you’ve answered “yes” to several of these questions, it may be time to reconsider your insurance provider.

Remember When Service Mattered?

For those born in the 1960s or earlier, you likely recall a time when:

• Doctors made house calls.
• The milkman delivered milk, butter, and soda to your doorstep.
• Insurance agents sat at your kitchen table, thoroughly reviewing your business and personal needs.
• Business relationships lasted decades because they were built on trust and personal connections.

Do you miss that level of service? The peace of mind that comes with working with a knowledgeable, professional insurance agent who genuinely cares about you and your business?

A Better Insurance Experience

At BGES Group, we are committed to bringing back the personalized, professional service that has been lost in today’s factory-style insurance agencies. Here’s what sets us apart:

1. Dedicated Service – Your account will be managed by one person who understands your needs.
2. Immediate Response – When you call, your representative will answer within seconds.
3. Decades of Expertise – Your contact has 37 years of experience insuring businesses and individuals.
4. Swift Issue Resolution – Your concerns will be addressed immediately after your call.
5. Unparalleled Integrity – Your representative is highly responsible and trustworthy.
6. Always Available – You can reach your contact day and night, even on weekends.
7. Cost-Conscious Approach – We do not charge exorbitant policy or service fees.
8. Personalized Attention – Your representative will visit your office whenever needed.
9. Long-Term Trust – We will earn your trust over time through consistent, honest service.
10. Client-First Mentality – Your needs always come first. We fight for you and make your insurance experience hassle-free.

Our Specialty: Construction and Workers’ Compensation Insurance

BGES Group, based in Larchmont, N.Y., specializes in New York construction insurance. We represent over 50 insurance companies and provide top-tier general and umbrella liability programs. Our comprehensive coverage includes:

• Property Insurance
• Builder’s Risk Insurance
• Inland Marine Coverage
• General and Umbrella Liability
• Auto Insurance
• Bid & Performance Bonds
• Workers’ Compensation
• NYS Disability
• Group Health Insurance

For tri-state business owners, we are the go-to specialists for workers’ compensation insurance. If you’re struggling with high rates, cancellations, loss-related issues, audit disputes, or payroll misclassification, we can help. We offer unique programs tailored for:

• Auto Service Businesses
• Contractors (especially in New York)
• Limousine Services
• Logistics Companies
• Manufacturers
• Recyclers
• Trucking Companies

We are considered “Preferred Agents” for a premier program that offers excellent pricing, long-term coverage stability, and multi-state operation capabilities. Our program also simplifies annual audits, making your insurance experience seamless.

Get in Touch

If you’re tired of impersonal, ineffective service and want an insurance partner who genuinely cares about your business, contact us today:

BGES Group
Location: Larchmont, NY 10538
Phone: 914-806-5853 – Gary Wallach
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

At BGES Group, we don’t just sell insurance—we build relationships, provide peace of mind, and ensure you receive the service you deserve. Call us today to experience the difference!