Job owners and project managers use insurance screening services to verify that contractors carry the proper types and amounts of insurance coverage. The process is designed to mitigate risks by ensuring that contractors have robust CGL and umbrella liability policies in place. However, several issues can arise during this screening process:

• Coverage Gaps or Insufficient Limits: Sometimes the policies in place might not meet the job owner’s requirements.
• Policy Exclusions: Certain endorsements or exclusions may render the policy less acceptable.
• Documentation Issues: Errors in certificates of insurance or missing endorsements can cause delays.
• Changes in Requirements: Job owners may periodically update their requirements, and your existing policy might not align with these new standards.

Understanding these potential pitfalls is the first step in resolving the issue.

---

Step-by-Step Guide to Correcting Your Insurance Situation

Step 1: Review the Screening Feedback Carefully

Begin by obtaining a detailed report of why your insurance was not approved. Often, insurance screening services provide a list of deficiencies or issues. This report may point to insufficient coverage limits, missing endorsements, or incorrect policy formats.

• Action: Request a comprehensive explanation from the screening service if the report is vague. Knowing exactly what is lacking or non-compliant allows you to address the specific points raised.

Step 2: Assess Your Current Insurance Policies

Once you know the issues, gather all relevant documentation regarding your current CGL and umbrella liability policies. Review the policy limits, endorsements, exclusions, and any recent amendments.

• Action: Compare your current coverage against the job owner’s requirements. Note any differences, such as lower limits or missing coverage endorsements. This step will help you understand whether the problem lies in your policy’s structure or simply in its documentation.

Step 3: Consult With Your Insurance Provider

Reach out to your current insurance provider to discuss the feedback and ask whether your policy can be modified to meet the screening requirements. Insurers often have options available, such as adding endorsements or increasing limits, which can make your policy compliant.

• Action: Arrange a meeting or call with your insurance representative. Prepare the screening report and your policy documents to ensure a thorough discussion. Inquire about the possibility of expedited amendments if you have upcoming projects that require approval.

Step 4: Make Necessary Adjustments to Your Policy

Based on the expert advice, work on adjusting your policy to meet the screening service’s requirements. This might include:

• Increasing Policy Limits: Sometimes, simply raising the coverage limits is enough to meet job owner requirements.
• Adding or Updating Endorsements: Ensure that all necessary endorsements are attached to your policy. This could include additional insured endorsements or waiver of subrogation clauses.
• Correcting Documentation: Update certificates of insurance and any other required documents to eliminate errors or omissions.
• Action: Work closely with both your insurer and BGES Group to ensure that every adjustment is correctly implemented and documented.

Step 5: Resubmit Your Updated Documentation

Once the necessary changes have been made, gather the updated documents and resubmit them to the job owner’s insurance screening service. Double-check that every item listed in the initial report has been addressed.

• Action: Follow up with the screening service to confirm receipt of the updated documents and ask for a status update. If possible, request a preliminary review before the final decision to ensure that no further adjustments are necessary.

Step 6: Maintain Ongoing Compliance

Even after your policy is approved, it is important to establish processes to ensure continued compliance with job owner requirements. Regularly review and update your insurance policies as needed and stay informed about any changes in industry standards or job owner demands.

• Action: Schedule periodic reviews with your insurance provider and BGES Group. Keeping an open line of communication ensures that you remain compliant, and any future issues can be addressed promptly.

Step 7: If Your Current Insurance Provider Cannot Seem To Help, Seek Expert Advice from a Construction Insurance Specialist

Navigating insurance requirements in the construction industry can be complex. Specialized guidance can prove invaluable in these situations. BGES Group is one of New York’s construction insurance specialists with extensive experience in helping contractors secure the correct policies and resolve screening issues.

• Action: Contact BGES Group for a consultation. Their experts understand the nuances of commercial general liability and umbrella policies and can advise on whether adjustments are needed or if a new policy might be a better solution. They can also help liaise with your insurer to expedite necessary changes.

---

How BGES Group Can Help

BGES Group stands out as one of New York’s premier construction insurance specialists. Their expertise is not only in understanding the intricate details of commercial general liability and umbrella liability policies but also in tailoring insurance solutions that meet the exact needs of contractors in the competitive New York market. Here’s how they can help you:

• Expert Consultation: BGES Group can perform a detailed assessment of your current insurance situation, identifying the gaps that may be causing your policy to be rejected.
• Customized Solutions: Their team is experienced in negotiating with insurance carriers to adjust your policies—whether that means increasing limits, updating endorsements, or correcting documentation.
• Streamlined Process: With BGES Group’s guidance, you can navigate the complicated landscape of insurance screening more efficiently, reducing the time between identifying the issue and securing approval.
• Ongoing Support: Beyond resolving the immediate problem, BGES Group can help you maintain compliance and adjust your coverage as your business and industry standards evolve.

By working with BGES Group, you not only resolve your current issues but also gain a partner who understands the construction industry’s unique challenges and can provide proactive support for future projects.

---

Real-World Impact: Why Timely Resolution Matters

For contractors in New York, delays in securing insurance approval can mean missed opportunities, halted projects, and potential financial losses. The insurance screening process is often a non-negotiable requirement for job owners, and non-compliance can lead to a loss of credibility and competitive edge in bidding for contracts.

Consider the case where a contractor loses out on a major project because the insurance screening process revealed deficiencies in their coverage. The contractor might have been ready to bid and work, but the gap between the insurance requirements and the actual policy can lead to significant delays. This is why addressing these issues promptly and efficiently is so crucial.

• Preventing Financial Loss: Quick resolution helps prevent downtime on projects, which in turn protects your revenue stream.
• Protecting Reputation: Being proactive about insurance compliance shows job owners that you are serious about risk management and professional standards.
• Long-Term Business Relationships: Demonstrating a commitment to meeting all job owner requirements can lead to stronger business relationships and repeat contracts.

---

Conclusion

When your commercial general liability and umbrella liability insurance are not approved by job owners’ insurance screening services, it’s important to take decisive action. By following the step-by-step guide—reviewing the feedback, assessing your current policies, consulting with your insurer, seeking expert advice from specialists like BGES Group, making the necessary adjustments, resubmitting documentation, and maintaining ongoing compliance—you can resolve these issues and position your business for success.

If you find yourself struggling with these challenges, BGES Group is here to help. With their extensive knowledge of construction insurance and proven track record in assisting New York contractors, they can ensure that your insurance meets the required standards quickly and efficiently.

For more information or to get personalized assistance, contact:

Gary Wallach – 914 -806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

By taking the proper steps and leveraging expert guidance, you can overcome insurance screening obstacles and continue focusing on what you do best—building quality projects and driving your business forward.

Workers’ compensation insurance is meant to protect employees and businesses by covering medical expenses and lost wages for workers injured on the job. However, fraudulent claims can be a serious problem for New York contractors. One particularly frustrating scenario is when a worker files a claim months later—sometimes directly with the New York Workers’ Compensation Board—without notifying the employer at the time of the alleged incident. This can leave contractors blindsided, facing increased premiums and potential legal battles.

If you’re a contractor dealing with a fraudulent workers’ compensation claim, it’s essential to know your rights and how to defend yourself. Below, we outline steps you can take to fight back against fraudulent claims and protect your business.

How a Fraudulent Workers’ Comp Claim Can Happen

New York law allows workers to file a workers’ compensation claim within two years of an injury. However, some dishonest employees may exploit this system by filing fraudulent claims, often months after leaving a job. Contractors frequently encounter cases where a former worker claims they were injured on a site they never reported at the time. This can lead to a lengthy dispute, higher insurance costs, and unnecessary legal expenses.

The process usually unfolds like this:

1. You Receive a Notice from the Workers’ Compensation Board – Instead of being informed by the worker at the time of injury, you first learn of the claim when you receive an official notice.
2. The Employee Alleges an Injury from Months Ago – The worker claims they were injured while working for you but did not report it at the time.
3. You’re Asked to Respond – The Board and your insurance carrier will expect you to provide evidence or statements regarding the alleged injury.
4. Your Insurance Premiums Could Increase – If the claim is accepted, it could impact your experience modification rate (EMR), leading to higher insurance costs.

Steps to Defend Against a Fraudulent Workers’ Comp Claim

1. Gather Employment and Payroll Records

Your first line of defense is proving whether the claimant was even working for you at the time they claim they were injured. If you have accurate payroll records, timecards, or subcontractor agreements, you can use these to dispute false claims.

2. Check Incident Reports

If an injury truly occurred, it should have been reported at the time. If there was no report filed and no supervisors or coworkers recall an incident, this can support your case. Keep detailed records of all reported injuries to ensure fraudulent claims stand out.

3. Collect Witness Statements

Did anyone see the alleged injury occur? If the employee never mentioned an injury or worked without issue, getting statements from supervisors or coworkers can help disprove their claim.

4. Review Medical Records

If the claimant sought medical attention, their records should reflect the injury’s date and circumstances. Sometimes, fraudulent claims involve injuries sustained outside of work, and medical records may indicate inconsistencies.

5. Conduct a Background Investigation

If you suspect fraud, look into the claimant’s history. Have they filed multiple workers’ comp claims in the past? Are they currently employed elsewhere doing similar work? In some cases, hiring a private investigator can help gather evidence that disputes the claim.

6. Notify Your Insurance Carrier Immediately

Your insurance carrier has investigators and attorneys who specialize in workers’ comp fraud. The sooner they are involved, the better your chances of contesting the claim. Provide them with all relevant documentation, including employment records, witness statements, and any available surveillance footage.

7. Request an Independent Medical Examination (IME)

If the claim moves forward, you have the right to request an independent medical examination. This can help determine whether the injury is legitimate and work-related. If the worker refuses the IME, it could weaken their case.

8. Challenge the Claim with the Workers’ Compensation Board

If you have evidence proving the claim is fraudulent, you can formally challenge it. This process may involve hearings and legal representation. Be prepared to present your case with strong documentation.

9. Consider Legal Action for Fraud

If you can prove fraud, you may have grounds to pursue legal action against the claimant. New York law imposes penalties on individuals who commit workers’ compensation fraud, including fines and criminal charges.

How to Protect Your Business from Future Fraudulent Claims

Fraudulent claims can cost contractors thousands of dollars in increased premiums, legal fees, and lost productivity. Preventative measures can help protect your business.

• Require Immediate Injury Reporting – Have a strict policy requiring workers to report injuries immediately and in writing.
• Use Surveillance Cameras – Video footage from job sites can help dispute false injury claims.
• Maintain Detailed Employee Records – Keep accurate records of work schedules, job duties, and safety training.
• Conduct Post-Employment Reviews – If a worker leaves your company, document any injury claims they made before they left.
• Partner with a Workers’ Compensation Specialist – A workers’ comp expert can help monitor claims, prevent fraud, and keep your premiums as low as possible.

BGES Group – Your Workers’ Compensation Specialist in the Tri-State Area

At BGES Group, we specialize in workers’ compensation for contractors throughout New York, New Jersey, and Connecticut. We help businesses navigate complex claims, fight fraudulent filings, and keep their insurance costs under control.

With decades of experience, we know how to protect contractors from fraudulent workers’ comp claims that can drive up premiums and put businesses at risk. We offer:

✔ Claims Investigation Assistance – We work with top investigators to uncover fraudulent claims.
✔ Workers’ Comp Policy Optimization – We ensure you have the right coverage at the best rates.
✔ Fraud Prevention Strategies – We help you implement safeguards to prevent future fraudulent claims.
✔ Expert Representation – If a claim goes to court, we connect you with top legal professionals.

If you’re facing a fraudulent workers’ compensation claim or want to ensure your business is protected, contact us today.

BGES Group
📞 (914) 806-5853 – Gary Wallach
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

Don’t let fraudulent claims put your business at risk. Let BGES Group help you fight back and keep your workers’ compensation costs under control.

When it comes to workers’ compensation insurance, how you classify your payroll can make a massive difference in your premiums. Many New York contractors unknowingly overpay for coverage simply because they don’t separate their payrolls by class codes. For businesses performing multiple trades, such as asbestos abatement contractors who also handle interior demolition, insulation, and other services, correctly splitting payrolls can mean the difference between a reasonable premium and an astronomical one.

This article will explore why payroll separation is crucial, how to properly set up your bookkeeping to ensure compliance, and how BGES Group can help contractors get the best workers’ compensation solutions.

---

Why Separating Payrolls by Class Codes Matters

Workers’ compensation insurance premiums are based on payroll and job classification codes assigned by the National Council on Compensation Insurance (NCCI) or the New York Compensation Insurance Rating Board (NYCIRB). Each trade or role in a company is assigned a specific class code, with some codes carrying significantly higher rates than others.

Let’s take the example of an asbestos abatement contractor who performs multiple trades:

• Asbestos Removal (5473) – A high-risk class code with one of the most expensive workers’ compensation rates.
• Interior Demolition (5403) – Another high-risk category, though often lower than asbestos removal.
• Insulation Work (5479) – While still construction-related, insulation work may have different rates than asbestos removal.
• Supervisory (5606) – Contractor executive supervisors who do not perform manual labor can be classified under this lower-rated code.
• Clerical (8810) – Office employees who never set foot on a job site are classified under this ultra-low-cost class code.

If a contractor fails to separate payrolls properly, insurance carriers often default all wages to the highest-rated classification—meaning your entire payroll could be charged under the costly asbestos removal rate. This mistake could cost tens of thousands of dollars in excess premiums annually.

By splitting payrolls correctly, businesses can ensure each employee’s wages are assigned to the appropriate (and lowest applicable) classification, significantly reducing insurance costs.

---

How to Properly Separate Payrolls for Workers’ Compensation

Insurance auditors will scrutinize payroll records to ensure proper classification. If payroll is not meticulously recorded, they will automatically classify all wages under the most expensive category. To avoid this, contractors should implement the following best practices:

1. Maintain Detailed Payroll Records

• Record each employee’s hours and job duties separately.
• Use time-tracking software that allows employees to log specific tasks or trades they performed.
• Have supervisors verify and approve job classifications daily or weekly.

2. Use Job Costing Codes in Accounting Software

• Set up job costing codes within accounting and payroll systems to reflect different class codes (e.g., QuickBooks, Sage, or specialized construction accounting software).
• Each payroll entry should specify the exact work performed under the correct classification.

3. Clearly Define Employee Roles

• Employees should be trained on how job classification works.
• Supervisors should ensure workers are not performing multiple trades under a single shift unless necessary.
• Ensure that executive supervisors (5606) and clerical employees (8810) do not engage in manual labor. Even one instance of a clerical worker visiting a job site and performing labor could reclassify their entire payroll at a higher rate.

4. Require Accurate Time Cards

• Utilize electronic time cards or job logs that specify the nature of work completed.
• If using manual logs, ensure they are legible, signed, and retained for audits.

5. Work With a Workers’ Compensation Specialist

• Insurance carriers conduct audits annually, and misclassified payrolls can lead to massive additional premiums and penalties.
• A specialist like BGES Group can ensure your classifications are correct before an audit takes place, helping to prevent unnecessary costs.

---

How BGES Group Helps New York Contractors Save on Workers’ Compensation

BGES Group is one of New York’s top workers’ compensation insurance specialists. With over 40 years of experience, they help contractors navigate the complex world of workers’ compensation, ensuring proper payroll classification, lower premiums, and audit compliance.

Why Contractors Trust BGES Group:

• Expert Classification Assistance – They analyze your business operations and payroll records to ensure correct class codes, preventing overcharges.
• Exclusive Workers’ Comp Programs – BGES Group offers special programs for high-risk contractors, including asbestos abatement, roofing, demolition, and insulation.
• Audit Support & Dispute Resolution – If you’re hit with an unexpected premium increase after an audit, BGES Group fights on your behalf to get it corrected.
• Payroll Services with Workers’ Comp Integration – They offer payroll solutions that automatically classify employees correctly, ensuring compliance and minimizing risk.

By working with BGES Group, contractors can save thousands of dollars annually by avoiding misclassifications and securing the most competitive workers’ comp policies available.

---

Contact BGES Group Today

Don’t let improper payroll classification drain your profits. If you’re a New York contractor looking to lower your workers’ compensation costs, BGES Group can help.

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

With BGES Group on your side, you’ll get expert guidance, lower premiums, and the best workers’ compensation solutions tailored to your business. Reach out today to start saving!

As a New York contractor, you’ve probably run into the frustrating reality of customer insurance screening services like Docutrax, ISNetworld, Avetta, or Veriforce rejecting your insurance coverage. You submit your certificates of insurance (COI), thinking you’re covered, only to get a dreaded notice: Your insurance does not meet our requirements.

This can cause major headaches. Without passing these screenings, you can’t work on certain projects, lose out on big contracts, and even risk breaching agreements with general contractors or project owners. But why is this happening, and how do you fix it?

At BGES Group, we specialize in solving these exact problems for New York contractors. Whether it’s a coverage issue, a missing endorsement, or a problem with your subcontractor forms, we have solutions to get you approved fast.

Why Are Insurance Screening Services Rejecting Your Coverage?

Third-party risk screening services exist to protect general contractors, project owners, and large corporations from liability issues. They have strict guidelines that your insurance must meet exactly—or they reject it.

Here are some common reasons your insurance fails these screenings:

1. Hard Hammer Subcontractor Forms – Some insurance policies include a Hard Hammer Subcontractor Warranty, which states that if you hire a subcontractor who does not meet all of your policy’s insurance requirements, your policy may not cover claims arising from their work. Many screening services flag this as an issue and reject your coverage.

2. Missing Additional Insured Endorsements – Most contractors are required to provide additional insured endorsements (AI) on a primary and non-contributory basis. If your policy lacks the correct AI forms, screening services will reject it.

3. Lack of Waiver of Subrogation – Many contracts require a waiver of subrogation in favor of the general contractor or project owner. If your policy does not include this, you’ll fail the screening process.

4. Improper Policy Limits – Your general liability, umbrella, or excess policies must meet specific minimum limits. If your limits are too low, you’ll be rejected.

5. Insurance Carrier Not Rated High Enough – Some risk management services only accept insurance from carriers with an A.M. Best rating of A- or better. If your policy is with a lower-rated carrier, it won’t pass screening.

6. Workers’ Compensation or Auto Insurance Non-Compliance – Many screening services require proof of workers’ compensation and commercial auto coverage. If you’re missing these or using a lower-rated carrier, your submission may be denied.

Example: The Hard Hammer Subcontractor Form Nightmare

Let’s say you’re a New York roofing contractor. You have a general liability policy in place, and you submit your insurance to Docutrax for approval. A week later, you get an email:

“Your insurance does not meet our requirements. Please provide a policy without a Hard Hammer Subcontractor Warranty.”

You call your agent, but they say, “Sorry, that’s how your policy is written. We can’t change it.”

Now you’re stuck. Without fixing this issue, you can’t work on your project. The general contractor won’t let you on-site, and your job is delayed.

This is where BGES Group steps in. We understand these roadblocks and know which insurance companies offer policies that meet Docutrax and other screening services’ requirements.

How BGES Group Can Get You Approved

At BGES Group, we specialize in finding insurance solutions that pass customer screening services. If your coverage keeps getting rejected, we can fix it.

Here’s How We Help New York Contractors:

✅ We find policies that eliminate Hard Hammer Subcontractor Warranties.

✅ We make sure you have the correct Additional Insured (AI) endorsements.

✅ We ensure you have Waiver of Subrogation endorsements where required.

✅ We secure policies with the right limits to meet contract requirements.

✅ We work with A-rated insurance carriers to pass all screening criteria.

✅ We provide workers’ comp and commercial auto solutions to meet all requirements.

When you work with BGES Group, we take the guesswork and frustration out of insurance approval. We’ll find you a policy that works, get your coverage approved, and keep your projects moving forward.

Don’t Let Insurance Hold You Back—Call BGES Group Today!

If you’re struggling to get your insurance approved by Docutrax, ISNetworld, Avetta, or Veriforce, you’re not alone. Many New York contractors face this issue—but there’s a solution.

At BGES Group, we’ll find you the right insurance, eliminate your approval problems, and get you back to work fast.

📞 Call Gary Wallach at 914-806-5853

📧 Email bgesgroup@gmail.com

Website www.bgesgroup.com

Don’t let insurance stand in the way of your next job. Call us today and get approved!

For New York contractors, insurance renewal is not just a routine task—it’s a critical opportunity to reassess coverage, ensure compliance, and protect your business from potential financial disasters. With the ever-changing landscape of insurance, labor laws, and market conditions, staying informed is key. Here are ten things you must consider when renewing your General Liability, Umbrella Liability, and Workers’ Compensation insurance policies.

1. Labor Law Coverage: Do You Have Proper Protection?

New York’s Labor Laws 240 and 241 make contractors highly vulnerable to expensive lawsuits. If a worker is injured on your project, you could be held liable—even if you weren’t negligent. Many insurance policies exclude labor law coverage or have limitations that could leave you exposed. Make sure your policy explicitly covers these laws.

2. Action Over Coverage: Avoid Costly Gaps

An “Action Over” claim arises when a subcontractor’s employee sues the general contractor or project owner after a workplace injury. If your policy doesn’t include Action Over coverage, your business could be responsible for millions in legal costs and settlements. Always confirm that your General Liability and Umbrella Liability policies provide this protection.

3. Additional Insured Requirements: Are You Meeting Contract Obligations?

Many project owners and general contractors require subcontractors to list them as additional insureds on their policies. Failure to meet these requirements can result in contract breaches and legal disputes. Review your policies to ensure compliance with contract terms, including primary and non-contributory coverage and waivers of subrogation.

4. Rising Insurance Costs: Shop Around for the Best Rates

The New York insurance market is becoming increasingly challenging, with major carriers like State Farm and Berkshire Direct exiting or restricting coverage for contractors. Premiums are rising, but not all carriers charge the same rates. Working with an expert broker can help you find the best pricing and coverage options.

5. Experience Modification Rate (EMR): Is Your Workers’ Comp Rate Too High?

Your Experience Modification Rate (EMR) significantly impacts your Workers’ Compensation insurance costs. A high EMR means higher premiums and fewer job opportunities, as some clients may reject bids from contractors with poor safety records. Implementing strong safety programs and risk management strategies can help keep your EMR low.

6. Misclassification of Employees and Payroll: Avoid Costly Audits

Insurance carriers conduct payroll audits to ensure that your Workers’ Compensation premiums align with your actual workforce. If your employees are misclassified (e.g., treating workers as clerical when they perform manual labor), you could face huge penalties and back charges. Review your classifications before renewing your policy.

7. Umbrella Liability Policy: Is Your Coverage Adequate?

Many contractors carry an Umbrella Liability policy to provide additional protection beyond their General Liability limits. However, some policies exclude labor law claims or offer insufficient limits. Considering the multi-million-dollar verdicts common in New York, contractors should ensure their Umbrella coverage is robust enough to protect their assets.

8. Subcontractor Insurance Compliance: Don’t Take Risks

If your subcontractors lack proper insurance, their claims could fall on your policy, driving up your premiums or leading to denied coverage. Always verify that subcontractors carry adequate insurance, list you as an additional insured, and provide proof of primary and non-contributory coverage.

9. Policy Exclusions: Read the Fine Print

Not all policies provide the same coverage. Some contain exclusions that could leave you vulnerable, including:

• Height restrictions (excluding work above certain elevations)

• Residential exclusions (no coverage for residential projects)

• Subcontractor exclusions (claims arising from subcontractor work are not covered)

Before renewing, carefully review your policy’s exclusions and endorsements to avoid unexpected coverage gaps.

10. Work with an Expert Broker: Get the Right Coverage at the Best Price

Navigating the complexities of insurance policies, contract requirements, and regulatory changes is not something contractors should do alone. Partnering with an experienced broker who specializes in New York construction insurance ensures that you get the best coverage, competitive pricing, and expert guidance tailored to your business needs.

5 Reasons New York Contractors Should Turn to BGES Group for Their Business Insurance Needs

Choosing the right insurance provider is crucial for protecting your contracting business. BGES Group stands out as a premier insurance brokerage specializing in New York construction insurance. Here’s why contractors trust us:

1. Construction Insurance Experts

Unlike general insurance agencies, BGES Group specializes in construction insurance, understanding the unique risks and challenges New York contractors face. We ensure your policies include critical protections like Labor Law coverage, Action Over coverage, and Additional Insured endorsements.

2. Access to Exclusive Programs

We work with a wide network of carriers, including specialized programs for:

• General Contractors

• Roofers and Demolition Contractors

• Electricians, Plumbers, and HVAC Contractors

• High-risk trades that struggle to find affordable coverage

Our ability to secure coverage even for high-risk industries gives us a major advantage over other brokers.

3. Competitive Pricing & Cost Savings

At BGES Group, we shop the market for the best pricing and coverage combinations. Our clients often save thousands on their annual premiums while improving their coverage. With insurance costs on the rise, working with a broker who knows where to find savings is more important than ever.

4. Hands-On, Boutique-Style Service

When you work with BGES Group, you don’t just get an insurance broker—you get a trusted advisor. We provide:

• Personalized risk assessments

• Expert policy reviews and contract compliance checks

• Proactive claims management to help minimize losses

Larger brokers treat contractors like numbers, but we provide dedicated, white-glove service that keeps your business protected.

5. Fast, Hassle-Free Policy Handling

Time is money in the construction industry. BGES Group handles insurance quickly and efficiently, ensuring that your certificates, policy changes, and renewals are processed without delay. Need a last-minute certificate to secure a job? We deliver fast turnarounds so you never lose out on work due to paperwork delays.

Contact BGES Group Today

Renewing your insurance shouldn’t be a stressful process. Let BGES Group handle the complexities while you focus on growing your business. Whether you need General Liability, Umbrella Liability, or Workers’ Compensation insurance, we have the expertise to protect your company and save you money.

📞 Call Gary Wallach at (914) 806-5853

📧 Email: bgesgroup@gmail.com

🌍 Visit: www.bgesgroup.com

Don’t wait until it’s too late—get the right coverage, at the right price, from the experts who know New York construction insurance inside and out!

Workers’ compensation insurance is a vital part of protecting your business and employees. Whether you operate in New York, New Jersey, or Connecticut, having the right coverage ensures compliance with state laws and financial security in the event of workplace injuries. However, many business owners find themselves frustrated with their current insurance provider due to high premiums, poor service, or claim mishandling.

If you’re unhappy with your current workers’ compensation provider, BGES Group is here to help. As a trusted insurance expert in the Tri-State area, we specialize in securing the best coverage for businesses of all sizes, ensuring competitive pricing and superior service. Below, we outline 10 ways BGES Group can assist you in finding better workers’ compensation coverage.

10 Ways BGES Group Can Help You

1. Lower Your Workers’ Compensation Costs

Many business owners overpay for their workers’ compensation insurance without realizing it. BGES Group has access to specialized programs and multiple carriers, allowing us to find you the most cost-effective policy without compromising on coverage.

2. Provide Access to Exclusive Programs

BGES Group offers unique programs tailored to high-risk industries, such as construction, trucking, and manufacturing. If you’ve been denied coverage or hit with high premiums, we can find a specialized program that suits your needs.

3. Assist in Resolving Claims More Efficiently

If your current provider is slow to process claims or disputes them unfairly, it can put your business at risk. BGES Group works closely with insurers that handle claims efficiently, minimizing disruptions and ensuring injured employees receive the care they need.

4. Ensure You’re Properly Classified

Incorrect classification of employees can lead to higher premiums. Many insurance companies use broad classifications that don’t accurately reflect your business operations. BGES Group will review your classifications to ensure you’re not overpaying due to misclassification.

5. Help You Avoid Audits and Penalties

Insurance audits can be stressful, especially if your provider frequently finds errors that lead to penalties or higher premiums. We help business owners stay prepared for audits and ensure all documentation is accurate, preventing costly surprises.

6. Offer Pay-As-You-Go Workers’ Compensation

Many businesses struggle with large upfront premium payments. BGES Group offers pay-as-you-go workers’ compensation solutions that align with your payroll, making cash flow management easier and reducing the risk of audit adjustments.

7. Provide Personalized Customer Service

Unlike large, impersonal insurance agencies, BGES Group provides a boutique-like experience. You’ll work with knowledgeable experts who understand your industry and are available to answer your questions whenever you need assistance.

8. Help You Comply with State Laws

Each Tri-State state has unique workers’ compensation regulations. Failing to comply can result in hefty fines or legal action. BGES Group ensures your business meets all regulatory requirements, keeping you compliant and protected.

9. Offer Bundled Solutions with Payroll and Group Health Insurance

If you’re looking for a more streamlined approach to managing business expenses, BGES Group can bundle your workers’ compensation insurance with payroll services and group health insurance. This not only simplifies administration but can also lead to cost savings.

10. Secure Coverage for Higher-Risk Businesses

If your business operates in a high-risk industry like construction, asbestos removal, or trucking, you may struggle to find affordable workers’ compensation insurance. BGES Group specializes in securing coverage for businesses that other providers turn away.

Don’t Stay Stuck with the Wrong Insurance Provider!

If you’re unhappy with your current workers’ compensation insurance provider, it’s time to explore better options. BGES Group is committed to helping Tri-State business owners find the right coverage at the best price. Our expert team understands the challenges you face and works diligently to ensure you get the protection and service your business deserves.

Contact BGES Group Today!

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Let BGES Group take the frustration out of workers’ compensation insurance. Contact us today for a free consultation and see how we can improve your coverage and save you money!

When it comes to running a business in New York, New Jersey, or Connecticut, ensuring proper workers’ compensation coverage is crucial. Many business owners, especially contractors, often believe the only option available is a state or assigned risk plan. However, BGES Group is here to reveal the wide range of options that can better suit your needs while saving you money and hassle.

Traditional Workers’ Compensation Policies: The Standard Route

Most business owners are familiar with standard workers’ compensation policies offered by insurance companies. These “stand-alone” policies provide guaranteed rates for one year, with fixed monthly premiums. To secure coverage, companies typically require a deposit of up to 25%, with another deposit due upon renewal.

Some insurers also offer pay-as-you-go plans, where premiums are based on actual payroll. This flexibility benefits businesses with fluctuating payrolls, ensuring they only pay for the coverage they need. While this route works for many, it’s far from the only option—especially if your business falls into a higher-risk category.

Payroll and Workers’ Compensation Plans: A Hidden Gem

One lesser-known yet highly effective option is a payroll-integrated workers’ compensation plan. BGES Group partners with a company that has successfully offered this program for over 24 years. What makes this plan unique?

1. Long-Term Stability: With more than two decades of proven success, this plan offers reliable, stable coverage—an essential factor for contractors and other high-risk businesses.
2. Coverage for Riskier Industries: Unlike many insurers, this program can cover demolition contractors, roofers, auto services, limousine services, and truckers.
3. Simplified Payments: Premiums are deducted from payroll, making budgeting easier and eliminating large deposits.

Other payroll companies also offer workers’ compensation, but they often work with conservative insurers that avoid high-risk businesses. Additionally, some add hidden fees, inflating the overall cost. That’s why it’s essential to work with experts like BGES Group to find the right fit.

Professional Employer Organizations (PEOs): A Lifeline for Challenged Businesses

If your business has poor loss experience, high experience modification rates, or past coverage cancellations, Professional Employer Organizations (PEOs) can be a game-changer. PEOs combine payroll services with workers’ compensation coverage, operating as co-employers. This structure allows them to offer competitive rates and extensive provider networks.

PEOs can also bundle health insurance, providing an affordable option for businesses seeking comprehensive employee benefits. For those struggling to secure coverage through traditional means, PEOs offer a practical, often cost-effective solution.

Solving Common Workers’ Compensation Challenges

Business owners often encounter obstacles when seeking or maintaining workers’ compensation coverage. BGES Group specializes in addressing these challenges head-on. Here’s how they can help:

1. High-Risk Business Categories: From asbestos abatement to roofing, BGES Group works with up to 25 companies to secure coverage for high-risk industries outside state plans.
2. Poor Loss Experience: For businesses with significant claims, BGES Group has access to specialty programs that provide coverage despite past losses.
3. Audit Disputes: When audits result in unfair premium increases, BGES Group helps correct mistakes and find new coverage if necessary.
4. Avoiding Annual Audits: Depending on your state and plan, they can find programs with minimal audit requirements.
5. Misclassified Payroll: If your payroll has been incorrectly classified, BGES Group ensures proper class codes and rates—even securing refunds for past overpayments.

Real-World Success Stories

BGES Group has a proven track record of helping businesses overcome significant hurdles. Two cases involved contractors with over $1 million in losses. These contractors faced astronomical premiums and limited coverage options. Thanks to BGES Group’s specialized programs, both secured new policies with better rates.

In another case, a contractor faced cancellation due to an audit dispute. The insurer demanded $41,000—an amount the contractor didn’t actually owe. BGES Group stepped in, resolved the dispute, and secured new coverage, preventing a costly lapse.

Navigating Multi-State Coverage

For businesses operating across state lines, ensuring proper coverage in each state is critical. BGES Group recently assisted a New York-based contractor who performed all their work in Connecticut. Despite their out-of-state operations, their existing policy didn’t cover Connecticut claims—a potential financial disaster waiting to happen. BGES Group swiftly corrected the coverage, protecting the business from significant liability.

Similarly, New York contractors working in New Jersey often face gaps in coverage. If an employee is injured in New Jersey, a New York policy typically won’t cover the claim. BGES Group ensures comprehensive, multi-state coverage, eliminating this costly oversight.

Why Choose BGES Group?

What sets BGES Group apart? It’s not just their expertise—it’s their commitment to exceptional service. When you call, you get Gary Wallach directly—no automated systems, no delays. Emails and texts receive prompt responses, and certificates of insurance are issued within minutes.

Unlike many competitors, BGES Group avoids excessive fees. While some brokers charge up to $10,000 in policy fees or 10% service fees, BGES Group prioritizes affordability, ensuring clients keep more of their hard-earned money.

Comprehensive Services Beyond Workers’ Compensation

While workers’ compensation is a specialty, BGES Group offers a full suite of insurance services, including:

• Property and Liability Insurance
• Umbrella Liability Coverage
• Business Auto Insurance
• Bid & Performance Bonds
• Inland Marine Coverage
• New York State Disability Insurance
• Group Health and Life Insurance
• Identity Theft Protection

Contractors benefit from tailored risk management programs, subcontractor screening, and strategies to lower insurance costs. With access to over 50 insurance companies, BGES Group ensures every client receives the best possible coverage.

Get the Right Coverage Today

Don’t let workers’ compensation challenges jeopardize your business. Whether you’re facing high-risk classifications, audit disputes, or multi-state coverage gaps, BGES Group has the expertise and resources to find the right solution.

Call Gary Wallach at 914-806-5853 today—day or evening, Monday through Sunday—and discover why BGES Group is the trusted partner for businesses throughout New York, New Jersey, and Connecticut. Protect your business, your employees, and your bottom line with the best workers’ compensation solutions available.

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

In the construction world, efficiency and cost control are everything. To stay competitive, many contractors turn to independent contractors, also known as “1099 workers,” to meet their project needs. But while hiring 1099 workers may seem like an easy solution, it comes with legal, financial, and insurance implications that contractors can’t afford to ignore. This article breaks down the pros, cons, and potential pitfalls of relying on independent contractors.

What Is a 1099 Worker?

A 1099 worker is an independent contractor, not an employee. The term “1099” refers to IRS Form 1099-NEC, which businesses use to report payments made to independent contractors. Unlike W-2 employees, 1099 workers are responsible for their own taxes, benefits, and insurance.

According to the IRS and Department of Labor, independent contractors typically:

• Control their work: They decide how, when, and where they perform their tasks.
• Use their own tools: Independent contractors usually supply their own equipment and materials.
• Work for multiple clients: They aren’t exclusive to one company.
• Operate as a business: Many independent contractors have their own business entity.

If a worker doesn’t meet these conditions, they might be classified as an employee—even if they’re labeled as a 1099 worker.

What Isn’t Considered a 1099 Worker?

Misclassification happens when a worker is labeled as an independent contractor but legally qualifies as an employee. Here’s when a worker is not a 1099 contractor:

• Employer Control: If the contractor dictates the worker’s schedule, training, and specific work methods.
• Provided Tools: If the company supplies the worker’s tools, vehicles, or uniforms.
• Long-Term Relationship: If the worker works exclusively for one contractor for an extended period.
• No Business Entity: If the worker does not operate as an independent business.

Misclassification can lead to hefty fines and legal trouble, making it crucial for contractors to classify workers correctly.

Insurance Challenges When Hiring 1099 Workers

Insurance companies view 1099 workers differently from employees, and this can complicate a contractor’s insurance policy. Here’s why insurers may raise concerns:

1. Increased Risk: Independent contractors may not carry their own insurance, increasing risk exposure for the hiring contractor.
2. Workers’ Compensation Gaps: If a 1099 worker gets injured and lacks workers’ compensation insurance, they might seek coverage under the contractor’s policy.
3. Audit Surprises: During annual audits, insurance carriers may include uninsured 1099 workers in payroll calculations, raising premium costs.

Penalties for Misclassification

Misclassifying workers as 1099 contractors when they should be employees can lead to severe penalties:

1. IRS Penalties: Employers may face fines for unpaid employment taxes, including Social Security, Medicare, and unemployment.
2. State Penalties: Many states impose additional fines, sometimes exceeding $25,000 per violation.
3. Wage Claims: Misclassified workers can sue for unpaid wages, overtime, and benefits.
4. Insurance Penalties: Workers’ compensation carriers may retroactively adjust premiums and impose penalties for uninsured 1099 workers.

Workers’ Compensation and 1099 Workers

One common question contractors face is: If a 1099 worker gets injured, are they covered under the contractor’s workers’ compensation policy?

The answer depends on the worker’s classification and insurance status:

• If the 1099 worker has their own insurance: They are responsible for their own coverage.
• If the 1099 worker lacks insurance: The contractor’s workers’ compensation carrier might cover the claim, treating the worker as an employee. This can lead to premium increases and potential penalties.

To protect against this risk, contractors should:

1. Require all independent contractors to provide a valid Certificate of Insurance (COI).
2. Ensure the COI includes workers’ compensation coverage.
3. Keep detailed records of contracts and insurance documentation.

How BGES Group Can Help

Navigating workers’ compensation insurance with 1099 workers can be complex and costly if mishandled. That’s where BGES Group comes in. As specialists in workers’ compensation insurance, BGES Group helps contractors:

1. Secure Proper Coverage: Find affordable policies that protect against claims from uninsured 1099 workers.
2. Avoid Misclassification Pitfalls: Ensure proper worker classification to prevent fines and audits.
3. Manage Risk: Implement policies and procedures to protect your business from insurance gaps.

Contact BGES Group Today

Don’t let confusion around 1099 workers put your business at risk. Contact BGES Group today for expert guidance and a customized workers’ compensation solution.

📞 Phone: (914) 806-5853 – Gary wallach
✉️ Email: bgesgroup@bgesgroup.com
🌐 Website: www.bgesgroup.com

Protect your business, stay compliant, and focus on what you do best—building success!

New York’s Labor Laws 240 and 241, often called the “Scaffold Law,” impose strict liability on general contractors and property owners for elevation-related injuries suffered by workers. This means that if a worker falls from a height or is struck by a falling object due to inadequate safety measures, the general contractor and property owner can be held liable—even if they were not directly negligent.

For New York contractors, this law makes obtaining the right liability insurance crucial. Without proper coverage and contractual protections in place, a single claim can lead to devastating financial consequences. Let’s examine two scenarios involving a subcontractor’s employee falling off a ladder on a job site and how the presence (or absence) of an insurance and hold harmless agreement impacts the lawsuit and liability.

Scenario 1: The General Contractor Had a Signed Insurance and Hold Harmless Agreement

A homeowner hires a general contractor (GC) to remodel their home. The GC, in turn, hires a subcontractor (SC) to handle electrical work. The SC’s employee, while working on the project, falls from a ladder and sustains serious injuries.

Who Can the Injured Worker Sue?

Since this is a work-related injury, the subcontractor’s workers’ compensation insurance will cover the employee’s medical bills and lost wages. However, under Labor Law 240, the worker can sue the general contractor and the homeowner because they are legally responsible for providing a safe work environment.

How Does the Insurance and Hold Harmless Agreement Protect the GC?

If the GC required the SC to sign a hold harmless and insurance agreement, the subcontractor is contractually obligated to:

1. List the GC as an Additional Insured on their General Liability policy.

2. Defend and Indemnify the GC in case of a claim resulting from their work.

3. Provide Primary and Non-Contributory Coverage, meaning the SC’s insurance policy pays first before the GC’s policy is triggered.

When the injured worker sues the GC and homeowner, the GC can tender the claim to the SC’s insurance company, shifting the financial responsibility to them. This helps the GC avoid out-of-pocket costs, higher insurance premiums, or being stuck with liability.

Scenario 2: The General Contractor Did NOT Have a Signed Insurance and Hold Harmless Agreement

Now, let’s assume the GC failed to obtain a hold harmless and insurance agreement from the SC. The same worker falls off the ladder and files a lawsuit under Labor Law 240 against the GC and the homeowner.

Who Can the Injured Worker Sue?

Just like in the first scenario, the injured worker can sue both the GC and homeowner, regardless of fault. Since Labor Law 240 imposes strict liability, they don’t have to prove negligence—only that the injury resulted from an elevation-related risk.

What Happens Without a Hold Harmless Agreement?

1. The GC Cannot Shift Liability to the SC – Without a signed agreement, the GC cannot force the SC’s insurance company to cover the claim. The GC’s own General Liability and Umbrella Liability policies will have to respond, leading to potential premium increases or even policy cancellation.

2. The GC May Have to Pay Out of Pocket – If the insurance coverage is insufficient, the GC might have to cover legal fees and settlements personally.

3. The GC’s Insurer May Sue the SC – If the GC’s insurer ends up paying, they may attempt to recover costs from the SC through subrogation, but this is often a long and uncertain process.

Without a contractual agreement, the GC is at much higher risk financially. This is why it is critical for GCs to require all subcontractors to sign hold harmless and insurance agreements before starting work.

How BGES Group Can Help New York Contractors Obtain the Right Coverage

Navigating New York’s strict labor laws and complex insurance landscape can be challenging. This is where BGES Group comes in. As a specialist in New York construction insurance, we help contractors secure the right coverage to protect themselves from costly Labor Law 240 and 241 claims.

Why Contractors Turn to BGES Group

1. Access to Top-Tier Insurance Carriers – Many insurers are leaving the New York construction market due to the high risk. BGES Group works with specialty carriers that still provide coverage for GCs and subcontractors.

2. Customized Liability Insurance Solutions – We ensure our clients have:

• General Liability with Labor Law Coverage

• Umbrella/Excess Liability for additional protection

• Workers’ Compensation coverage that meets New York State requirements

3. Hold Harmless and Insurance Agreement Guidance – We help contractors draft and implement strong contractual agreements with their subcontractors to reduce liability exposure.

4. Competitive Pricing and Expert Advice – With years of experience in the industry, we negotiate the best coverage at the most competitive rates.

5. Fast, Responsive Service – When an issue arises, you need an insurance broker who acts fast. We pride ourselves on providing boutique-style service with personalized attention.

Protect Your Business Today—Contact BGES Group

Don’t wait until a lawsuit threatens your business. Make sure you have the right coverage and risk management strategies in place today.

Contact BGES Group for a Free Consultation

• Gary Wallach, Construction Insurance Expert

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

BGES Group is the go-to insurance specialist for New York contractors. We ensure you have the best liability protection available, so you can focus on growing your business with peace of mind. Call us today!

As a business owner, you could be held liable for the actions of other people’s employees.

U.S. employment law has long recognized that workers may have an employment relationship with multiple entities at the same time. That means your company could get stung with OSHA fines, Title VII discrimination claims, and other actions that arise from the conduct of an employee you thought was a subcontractor.

Here’s Why:

In Secretary of Labor vs. Summit Contractors, the 8th Circuit ruled that companies exercising overall control of a job site can be held liable for workplace infractions—even when the individual or individuals directly responsible for the infraction were employees of another firm and no employees of the controlling employer were directly involved.

Furthermore, even if your company doesn’t exercise direct supervisory control of subcontractors, courts have held that a de facto employment situation exists if the controlling employer simply reserves the right to exercise control.

Protecting Yourself

Here are some ways to safeguard yourself from joint employer liability:

• Ensure that all subcontractors have employee liability insurance and general liability insurance of their own.
• Check the vendor or subcontractor’s track record with safety and OSHA-related claims.
• Research the subcontractor’s bonding history.
• Ensure your employer’s liability insurance covers claims that may arise from contractors and vendors working on your property or on worksites your company controls.
• Negotiate for an indemnification clause in any vendor contracts or subcontracting arrangements.
• Don’t rely on verbal assurances: Put the subcontractor’s responsibility for complying with OSHA standards and labor laws in writing as part of the contract.
• Hold regular safety meetings with representatives from the subcontractor’s firm and document them.
• Don’t sign a contract with a manpower or employee leasing firm unless you have reviewed it for liability exposure.
• Ensure the vendor or subcontractor provides job site supervision. At a minimum, ensure their management is checking on the site regularly. If all supervision is left to you, federal regulators may deem these workers to be your employees.
• Don’t discipline the subcontractor’s workers directly. Work through the subcontracting entity wherever possible. If your supervisors attempt to discipline their employees or direct their work too closely, courts may find that a de facto employment relationship exists with your firm, exposing you to liability.
• Train your middle managers and foremen not to act as supervisors to subcontractors’ employees and onsite vendors.
• Don’t lend heavy equipment, power tools, or vehicles to subcontractors unless you also send a designated operator. Contractors are expected to maintain their own equipment. When you send your own operator with equipment, you can help ensure the subcontractor doesn’t expose you to liability from an unqualified operator.

About BGES Group

BGES Group specializes in helping businesses protect themselves from liability exposure and risk management challenges. With extensive experience in employee liability insurance, OSHA compliance, and workplace safety solutions, BGES Group provides expert guidance tailored to your unique business needs.

Contact Information: Gary Wallach
BGES Group
Phone: 914-806-5853
Email: bgesgroup@gmail.com
Website: www.bgesgroup.com

For more information or to schedule an insurance and risk exposure review, call us today!