Workers’ compensation insurance is a critical safeguard for contractors, ensuring that injured employees receive medical care and wage replacement. However, fraudulent claims by employees can drive up insurance costs, increase scrutiny from insurers, and damage a company’s reputation. As a contractor, understanding the warning signs of workers’ compensation fraud can help you protect your business from unnecessary losses. Below are ten signs that an employee may be committing workers’ comp fraud.

1. Delayed Reporting of the Injury

Legitimate workplace injuries are typically reported immediately or as soon as it’s safe to do so. When an employee waits days or even weeks before informing their employer of an alleged injury, it raises suspicion. Delayed reporting can indicate that the injury may not have happened at work or that the employee is attempting to exaggerate a minor issue. Contractors should have clear policies in place requiring immediate injury reporting and documentation.

2. No Witnesses to the Incident

If an employee claims to have suffered an injury on the job but no one witnessed the accident, it can be difficult to verify what really happened. While not every workplace injury has direct witnesses, patterns of unwitnessed incidents—especially in areas with active foot traffic—should raise a red flag. In these cases, thorough investigation and surveillance footage review can help determine the legitimacy of the claim.

3. Inconsistent or Changing Stories

Workers’ compensation fraud often involves fabricated or exaggerated claims, and one of the easiest ways to spot deception is through inconsistent accounts of how the injury occurred. If an employee’s story changes when speaking to different people—such as their supervisor, the insurance adjuster, or a medical professional—it may indicate dishonesty. Keeping detailed written records of every report can help identify discrepancies.

4. Injury Occurs on a Monday or After a Holiday

A surprising number of fraudulent claims involve injuries reported on Monday mornings or after a long weekend. This pattern suggests that the injury may have actually occurred off the job, but the employee is attempting to pass it off as work-related to collect workers’ compensation benefits. Contractors should take special note of these claims and ensure thorough investigations are conducted.

5. The Employee Has a History of Workers’ Comp Claims

While some workers genuinely sustain multiple injuries over time, an employee with a history of frequent workers’ compensation claims should be carefully scrutinized. Serial claimants may be abusing the system to receive benefits without legitimate injuries. A claims history review can reveal whether an individual has a pattern of questionable claims.

6. Refusing Diagnostic Testing or Treatment

When an injured employee avoids medical tests that could confirm the severity of their condition—such as MRIs, X-rays, or independent medical examinations—it may indicate fraud. Fraudulent claimants often exaggerate symptoms but avoid objective medical testing that could contradict their claims. Contractors should work with their workers’ compensation insurer to ensure injured employees comply with required medical evaluations.

7. The Employee is Difficult to Reach While on Leave

A legitimately injured worker will usually keep in touch with their employer about their recovery process and return-to-work timeline. However, fraudulent claimants may become difficult to reach, fail to return phone calls, or avoid check-ins. Some may even be working another job while collecting benefits. Surveillance and social media investigations can sometimes uncover fraudulent activity.

8. Inconsistent Medical Reports

Medical professionals play a key role in verifying workplace injuries, and discrepancies in their reports can be a warning sign of fraud. If one doctor states the employee has a serious injury while another finds only minor issues, the employee may be exaggerating their symptoms. Contractors should work with insurers who have access to medical fraud detection tools and independent medical examiners.

9. The Employee is Seen Doing Activities That Contradict Their Injury Claim

One of the clearest signs of workers’ compensation fraud is when an injured worker is caught engaging in physical activities that contradict their alleged injury. For example, an employee claiming a serious back injury but later being seen lifting heavy objects or playing sports is highly suspicious. Private investigators and social media monitoring can often reveal fraudulent behavior.

10. Financial or Personal Motives for Fraud

Employees facing financial hardship, legal troubles, or job dissatisfaction may be more likely to commit workers’ compensation fraud. If a worker suddenly files a claim after being denied a promotion, facing disciplinary action, or experiencing personal financial difficulties, their motivation should be carefully considered. Contractors should stay vigilant and report any suspicious claims to their insurance provider.

BGES Group: Your Trusted Partner for Workers’ Compensation Coverage

If you suspect workers’ compensation fraud in your company, having a strong insurance partner is essential. BGES Group is a construction insurance specialist serving New York, New Jersey, and Connecticut. We understand the unique challenges that contractors face with workers’ compensation and provide tailored solutions to help protect your business from fraudulent claims.

At BGES Group, we work with top-rated insurance carriers to secure the best coverage at competitive rates. Whether you need new workers’ compensation insurance, help with risk management, or assistance in handling a questionable claim, our team is here to support you. We have programs designed specifically for contractors, including those in higher-risk trades like roofing, demolition, and masonry.

Need New Workers’ Compensation Insurance? Contact BGES Group Today!

Don’t let fraudulent claims drive up your insurance costs and put your business at risk. BGES Group specializes in workers’ compensation insurance for contractors and can help you find a better policy at a lower cost. Contact us today to discuss your coverage needs and get expert guidance.

Contact Information: • Phone: 914-806-5853 • Email: bgesgroup@gmail.com • Website: www.bgesgroup.com

BGES Group is your trusted partner for construction insurance in the Tri-State area. If you need workers’ compensation insurance that protects your business from fraud and unnecessary expenses, give us a call today!

For businesses, protecting employees from workplace injuries is both a legal and ethical responsibility. That’s where Workers’ Compensation Insurance comes in. However, many business owners overlook another critical aspect of coverage—Employer’s Liability Insurance—which is becoming increasingly scrutinized, with organizations now requiring $1 million limits as a standard. Below, we’ll break down what each policy covers, why Employer’s Liability is more important than ever, and how BGES Group can help businesses secure the right coverage.

Workers’ Compensation Insurance: What It Covers

Workers’ compensation is a state-mandated insurance policy that provides financial benefits to employees who suffer work-related injuries or illnesses. Regardless of who is at fault, this insurance ensures employees receive medical treatment and wage replacement while protecting employers from lawsuits.

Key Coverages of Workers’ Compensation Insurance

1. Medical Expenses – Covers all necessary medical treatments, including doctor visits, hospital stays, physical therapy, prescriptions, and rehabilitation.
2. Lost Wages – Provides partial wage replacement for employees who cannot work due to a work-related injury or illness.
3. Disability Benefits – Covers temporary or permanent disabilities, whether partial or total, that prevent an employee from returning to work.
4. Death Benefits – Provides financial support to the dependents of an employee who dies due to a work-related incident.

While workers’ compensation insurance is comprehensive, it does not fully shield employers from liability. That’s where Employer’s Liability Insurance comes into play.

Employer’s Liability Insurance: A Crucial Layer of Protection

Employer’s Liability Insurance is included in most workers’ compensation policies but serves a distinct purpose: It protects businesses against lawsuits filed by employees or their families for work-related injuries that aren’t fully covered by workers’ comp.

What Employer’s Liability Covers

1. Third-Party Lawsuits – If an injured employee sues a third party (such as a manufacturer of faulty equipment), that third party may, in turn, sue the employer.
2. Loss of Consortium Claims – If an employee’s injury impacts their family, their spouse may file a lawsuit for loss of companionship or household contributions.
3. Consequential Bodily Injury – If a family member of the injured employee suffers illness or injury as a direct result of the employee’s injury, they may sue the employer.
4. Dual Capacity Lawsuits – If an employee is injured by a product manufactured by their employer, they may sue the company as both their employer and as the manufacturer.

These claims can lead to significant financial exposure beyond standard workers’ compensation benefits, making Employer’s Liability Insurance a crucial safeguard.

Why More Organizations Require $1 Million Employer’s Liability Limits

A decade ago, many businesses carried minimum Employer’s Liability limits of $100,000 per employee injury, $500,000 per disease policy limit, and $100,000 per disease per employee. Today, more companies, contractors, and hiring firms are demanding $1 million limits or higher—but why?

1. Rising Litigation Costs
   Legal costs have soared in recent years, making even small lawsuits expensive. Many settlements exceed six or seven figures, so businesses need higher coverage limits to avoid catastrophic financial losses.
2. Increased Workplace Injury Claims
   Workplace injury lawsuits are rising, particularly in high-risk industries like construction, manufacturing, and transportation. Organizations want to ensure their subcontractors and vendors have sufficient coverage to avoid being pulled into costly lawsuits.
3. Contractual Requirements
   Many large corporations and government contracts now require vendors to carry $1 million in Employer’s Liability coverage before they can work on a project. Businesses without adequate limits risk losing out on valuable contracts.
4. Third-Party Lawsuits Are Becoming More Common
   More third-party over-action claims are being filed, where injured employees sue equipment manufacturers, general contractors, or property owners—who then sue the employer for contribution. High Employer’s Liability limits help businesses absorb these costs.
5. Coverage Gaps Could Bankrupt a Business
   Without sufficient limits, a single claim could financially devastate a small or mid-sized business. Many organizations are now proactively increasing their limits rather than taking that risk.

Real-World Examples of Employer’s Liability Claims

To illustrate why high limits are essential, here are a few real-world scenarios where Employer’s Liability Insurance would be critical:

Case #1: The Construction Worker Injury
A subcontractor’s employee falls from scaffolding at a job site and suffers a permanent disability. The injured worker receives workers’ compensation but then sues the general contractor. The general contractor, in turn, sues the subcontractor for not maintaining a safe work environment. The subcontractor’s Employer’s Liability Insurance helps cover the settlement costs.

Case #2: Defective Equipment Lawsuit
A warehouse worker loses a finger while using a defective machine. The worker sues the machine manufacturer, but the manufacturer claims improper maintenance by the employer caused the injury. The employer now faces a third-party over-action lawsuit, which Employer’s Liability Insurance helps defend against.

Case #3: Family Member’s Injury Claim
An employee contracts a work-related disease and unknowingly exposes their spouse, who becomes ill as well. The spouse sues the employer for negligence. Employer’s Liability Insurance steps in to cover legal costs and settlements.

How BGES Group Can Help Your Business

At BGES Group, we specialize in helping businesses find the right Workers’ Compensation and Employer’s Liability coverage to meet their industry’s demands. Whether you’re a contractor, manufacturer, trucking company, limousine service, or small business owner, we can:

✔ Secure competitive pricing for your workers’ compensation coverage
✔ Ensure your Employer’s Liability limits meet contract requirements
✔ Find solutions for high-risk industries
✔ Help businesses avoid costly claims and lawsuits
✔ Provide expert advice on risk management and compliance

Take Action Today – Contact BGES Group

With workplace injury lawsuits on the rise and more organizations demanding higher coverage limits, now is the time to review your workers’ compensation policy and Employer’s Liability limits.

Contact Gary Wallach at BGES Group today:
📞 914-806-5853
📧 bgesgroup@gmail.com
🌐 www.bgesgroup.com

Don’t wait until you’re faced with a lawsuit—protect your business now with the right coverage!

If you’re frustrated with your workers’ compensation insurance, you’re not alone. Many business owners find themselves battling rising costs, unfair audits, and a lack of proper credits. The good news? There’s a better way.

At BGES Group, we specialize in helping businesses like yours secure fair, transparent, and affordable workers’ compensation coverage. But first, ask yourself these ten critical questions:

10 Questions to Ask About Your Workers’ Comp Coverage

1. Are you sick and tired of invasive annual audits that seem designed to penalize you rather than ensure accuracy?
2. Do you feel like you’re not getting the proper experience modification factor credits, costing you thousands in unnecessary premiums?
3. Has your insurer classified your payroll incorrectly, leading to inflated costs?
4. Do you dread your renewal because of a large annual deposit requirements?
5. Do you need workers’ comp coverage in multiple states, but your company is not able to cover your properly?
6. Has your insurance company unfairly increased your rates?
7. Do you find it nearly impossible to speak with a knowledgeable representative when you have questions about your policy?
8. Are you working with an agent who simply renews your policy without looking for ways to reduce your costs?
9. Has your current provider failed to offer proactive risk management strategies to help reduce workplace injuries and claims?
10. Are you tired of last-minute surprises, like unexpected rate hikes, hidden fees, or cancellation threats?

If you answered “yes” to even one of these questions, it’s time to rethink your workers’ compensation insurance provider.

What BGES Group Can Do for You

At BGES Group, we believe that workers’ compensation should work for you, not against you. Here’s how we can help:

• Honest and Transparent Pricing – We ensure that your payroll is classified correctly and that you receive all the credits and discounts you deserve.
• Expert Audit Support – No more aggressive, unfair audits. We work with you to ensure accuracy and fairness.
• Coverage for Multi-State Businesses – Whether you operate in New York, New Jersey, Connecticut, or beyond, we help navigate complex regulations.
• Lower Deposits & Better Payment Plans – Stop dreading renewals. We help secure policies with reasonable upfront costs and payment flexibility.
• Proactive Risk Management – We help you implement workplace safety measures to reduce claims and keep costs down.
• Dedicated Customer Support – You get a direct line to an expert who knows your business and is available when you need them.

Who We Serve

We specialize in workers’ compensation insurance for all industries, including:

• Contractors (including higher-risk trades like asbestos, demolition, and roofing)
• Manufacturers
• Moving & Storage Companies
• Trucking & Transportation Businesses
• Auto Service Companies
• Limousine Services
• Other Small to Mid-Sized Businesses

Whether you have one location or operate across multiple states, we have solutions tailored for you.

Let’s Fix Your Workers’ Comp Insurance Today!

If you’re fed up with your current workers’ compensation provider, don’t wait until renewal season to make a change. The BGES Group is here to help.

Call or email Gary Wallach today for a no-obligation consultation!

📞 914-806-5853 📧 bgesgroup@gmail.com

Website: www.bgesgroup.com

Take control of your workers’ comp costs and coverage today with a team that works for you, not the insurance companies!

Workers compensation insurance is a crucial requirement for businesses in New York, especially for high-risk industries like construction. Understanding how premiums are calculated can help businesses manage costs and ensure compliance. This article provides a step-by-step guide on how workers compensation premiums are determined for a New York-based general contractor handling carpentry (5403), drywall (5445), and tile work (5348).

Step 1: Determining the Classification Codes and Rates

Workers compensation premiums are primarily based on classification codes assigned by the New York Compensation Insurance Rating Board (NYCIRB). Each trade has a specific classification code and corresponding rate per $100 of payroll. For our general contractor example:

• Carpentry (5403): Involves framing, roofing, and other woodwork tasks.
• Drywall (5445): Covers the installation of drywall panels, including taping and finishing.
• Tile Work (5348): Includes tile and stone installation for flooring and walls.

Each of these classifications has a different level of risk, which is reflected in their individual rates.

Step 2: Estimating the Annual Payroll

Workers compensation premiums are calculated based on the employer’s total payroll for each classification. If our contractor estimates the following payroll for each category:

• Carpentry (5403): $500,000
• Drywall (5445): $400,000
• Tile Work (5348): $300,000

The total payroll for all classifications is $1,200,000.

Step 3: Applying the Manual Rate

Each classification code is assigned a manual rate by NYCIRB. For illustration purposes, let’s assume the following rates:

• Carpentry (5403): $10.00 per $100 of payroll
• Drywall (5445): $9.00 per $100 of payroll
• Tile Work (5348): $8.50 per $100 of payroll

To calculate the base premium for each classification:

• Carpentry (5403): ($500,000 / 100) × $10.00 = $50,000
• Drywall (5445): ($400,000 / 100) × $9.00 = $36,000
• Tile Work (5348): ($300,000 / 100) × $8.50 = $25,500

The total manual premium before any modifications is $111,500.

Step 4: Experience Modification Factor (EMR)

The Experience Modification Factor (EMR) adjusts the premium based on the employer’s claims history compared to industry averages. An EMR of 1.0 means the business has an average claims record, while a lower EMR (e.g., 0.90) results in a discount, and a higher EMR (e.g., 1.20) leads to a surcharge.

If our contractor has an EMR of 0.95, the adjusted premium is:

• $111,500 × 0.95 = $105,925

Step 5: Additional Modifications and Discounts

Other factors can influence the final premium, including:

• Scheduled Credits/Debits: Adjustments based on safety programs, drug-free workplace policies, etc.
• New York State Assessments and Fees: Additional charges for administrative costs and industry assessments.
• Policyholder Dividends: Some insurers offer rebates for low claim activity.

For example, if the contractor qualifies for a 5% safety credit, the premium is reduced further:

• $105,925 × 0.95 = $100,628.75

Step 6: Final Premium Calculation

After applying all adjustments, the contractor’s final premium for workers compensation insurance would be approximately $100,628. However, actual premiums may vary depending on insurer-specific underwriting criteria, payment plans, and other factors.

---

Why Choose BGES Group for Your Workers Compensation Needs?

If you’re struggling with high workers compensation premiums, claim issues, or compliance concerns, BGES Group can help. As one of the Tri-State area’s top workers compensation specialists, we assist businesses in reducing costs and securing the best coverage.

Our Services Include:

• Premium Reduction Strategies: We help you qualify for lower rates through proper classification, safety programs, and risk management.
• Claims Management: Proactive claims handling to minimize costs and reduce your EMR.
• Compliance Support: Ensuring your business meets all New York State workers compensation regulations.
• Customized Insurance Solutions: Finding the right carrier and policy to fit your specific business needs.

Contact BGES Group Today

If you want expert guidance on workers compensation insurance, BGES Group is here to assist. Contact us today to discuss your coverage needs and discover how we can help you save.

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

Don’t let high premiums and insurance headaches hold your business back. Reach out to BGES Group today and let us find the best workers compensation solution for you!

If you’re a New York contractor, this news could have a major impact on your business. Unless things change, a major insurance company is set to non-renew all contractor insurance policies in New York, effective April 1, 2025.

We are not putting the company’s name in writing for legal reasons, but if you call us, we will tell you over the phone.

This could leave thousands of contractors scrambling for coverage in an already difficult insurance market. If you are insured with this carrier, you must take action now to avoid gaps in your coverage, skyrocketing premiums, or being left without insurance altogether.

---

Why Is This Happening?

The New York insurance market for contractors is in crisis. High claims, rising legal costs, and strict labor laws—especially Labor Law 240/241—have made it harder for insurers to remain profitable.

As a result, many large carriers are either:

• Leaving the market completely
• Restricting who they will insure
• Raising rates significantly

This latest decision by a major carrier to drop all New York contractors is a clear warning sign that the insurance landscape is becoming even more challenging.

If you currently have a policy with this company, waiting until your renewal notice arrives will put you at a major disadvantage. Many contractors will be competing for limited policies, and the best options will disappear quickly.

---

What Should You Do Now?

The best way to protect your business is to start exploring your options immediately. BGES Group specializes in helping contractors secure quality coverage at competitive rates, even in this tough market.

We work with top-rated insurance companies that are still actively writing contractor policies in New York, and we know how to navigate the challenges posed by Labor Law 240/241 and other industry risks.

---

10 Great Reasons to Contact BGES Group for Your Business Insurance Needs

At BGES Group, we’ve been helping New York contractors get the best possible coverage at competitive rates for years. If you’re facing a non-renewal or want to explore better insurance options, here are 10 reasons why you should contact us today:

1. We Specialize in New York Construction Insurance

Many general insurance brokers don’t fully understand the unique risks New York contractors face. We do. Our expertise ensures you get the right coverage—without paying for things you don’t need.

2. Exclusive Programs for High-Risk Trades

Some agencies cannot get affordable coverage for roofers, scaffolders, and demolition contractors—but we can. We have access to exclusive programs designed for high-risk construction trades.

3. Competitive Pricing on General Liability & Umbrella Insurance

As more carriers leave the market, rates are expected to rise. We work with multiple top-rated insurers to find you the most competitive pricing available.

4. Labor Law 240/241 Coverage Included

Many policies exclude or limit coverage for these costly labor law claims, leaving contractors exposed to massive lawsuits. We make sure your general liability and umbrella insurance include proper protection for these claims.

5. Fast Turnaround on Quotes

If your current carrier is non-renewing your policy, you don’t have time to wait. Our team works quickly and efficiently to get you the best quotes and coverage without delays.

6. Workers’ Compensation Solutions for All Contractors

Whether you need a standalone workers’ comp policy or a bundled solution with payroll services, we have the right coverage for you—at the best possible price.

7. Personalized Service from Industry Experts

When you call BGES Group, you’re speaking directly with industry professionals like Gary Wallach, who has decades of experience in New York construction insurance. We work for YOU—not the insurance companies.

8. Assistance with Compliance & Certificate Management

Keeping up with insurance compliance and certificates is a hassle for many contractors. We help make sure your policies meet owner and GC requirements so you don’t get held up on job sites.

9. Access to Multiple Top-Rated Insurance Carriers

Since one major carrier is leaving the market, it’s more important than ever to have options. We work with a wide range of top-rated insurance companies that are still writing contractor policies in New York.

10. We Are Contractor Insurance Specialists

Unlike agencies that handle all types of insurance, we focus specifically on contractors. This means we know exactly what policies, coverages, and endorsements you need to stay protected—and compliant.

---

What Happens If You Don’t Take Action?

If you wait until your policy is non-renewed, you could face:

• Higher premiums due to limited availability
• Coverage gaps that put your business at risk
• Delays getting insured, which could impact your ability to work

By acting now, you can secure a better policy at a competitive price before the rush begins.

---

Contact BGES Group Today

If you want to know the name of the carrier that’s dropping all New York contractors, call us. We can discuss your current policy and help you find a better, more reliable insurance solution.

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

We specialize in protecting New York contractors, and we’re here to make sure your business stays covered and compliant—no matter what happens in the insurance market.

⏳ Don’t wait until it’s too late. Call us today!

10 Things New York General Contractors Should Look for in Their General and Umbrella Liability Policies

As a general contractor in New York, securing the right General and Umbrella Liability insurance is crucial to protecting your business from costly lawsuits and claims. Not all policies are created equal, and failing to have the right coverage can leave you exposed to significant financial risk. Here are 10 key things you should look for when reviewing your liability policies:

1. Labor Law (Scaffold Law) Coverage

New York’s Labor Laws 240 and 241 hold contractors and property owners strictly liable for elevation-related injuries. Without proper coverage, you could be personally on the hook for massive settlements and legal fees.

2. Additional Insured Endorsements

Many contracts require you to list owners, developers, and subcontractors as additional insureds. Make sure your policy provides this coverage on both an ongoing and completed operations basis.

3. Primary & Non-Contributory Wording

Your policy should clearly state that it pays first (primary) and doesn’t seek contribution (non-contributory) from other policies, as required in many construction contracts.

4. Action Over / Third-Party Over Exclusions

This exclusion can prevent coverage for lawsuits filed by injured subcontractor employees. Avoid policies with this exclusion or work with an expert to ensure proper coverage is in place.

5. Contractual Liability Coverage

Your policy should cover liability you assume under contracts with project owners, developers, or subcontractors. Review the exclusions carefully.

6. Completed Operations Coverage

Claims can arise years after a project is finished. Ensure your general liability policy includes long-term completed operations coverage to protect against future lawsuits.

7. Defense Costs Outside the Limits

If your legal defense costs are included within your policy limits, they could quickly eat up your coverage. Opt for a policy that provides defense costs in addition to your liability limits.

8. High Umbrella Limits

A $1 million general liability policy is often not enough in construction. Many contracts require $5M, $10M, or more in umbrella coverage. Make sure you carry sufficient limits.

9. Per Project Aggregate Limits

Instead of one coverage limit spread across all projects, a per project aggregate ensures you have full coverage for each job, rather than sharing a single limit across multiple projects.

10. Subcontractor Coverage Compliance

Your policy should require subcontractors to carry proper coverage and name you as an additional insured. This helps shift liability away from you in case of a claim.

BGES Group: The Construction Insurance Experts for NY, NJ & CT Contractors

Navigating liability insurance for construction in New York, New Jersey, and Connecticut is complex—but that’s where BGES Group comes in.

We specialize in construction insurance and understand the unique risks general contractors face. Whether you need to upgrade your current policies, secure better pricing, or ensure contract compliance, we are here to help.

Contact BGES Group Today!

☎ Call: Gary Wallach at 914-806-5853
✉ Email: bgesgroup@gmail.com
🌐 Visit: www.bgesgroup.com

Let’s make sure your business is properly protected with the right coverage at the best rates available!

Finding reliable workers’ compensation insurance and NYS disability coverage can be challenging, especially for businesses in high-risk industries. Many insurance companies refuse to cover certain businesses due to their claims history, industry type, or financial risk factors. If you’ve been struggling to secure workers’ comp insurance, BGES Group is here to help.

At BGES Group, we specialize in providing workers’ compensation and NYS disability coverage for businesses that others won’t insure. Whether you’ve been turned down, faced exorbitant premiums, or simply need better coverage, we are your go-to solution. We service New York, New Jersey & Connecticut areas.

Why Choose BGES Group?

We understand that securing workers’ compensation and disability insurance is critical to your business operations. Here are 10 compelling reasons why you should turn to BGES Group for your insurance needs:

1. We Cover Businesses Others Won’t

Many insurance providers shy away from high-risk industries like construction, trucking, manufacturing, and healthcare. At BGES Group, we specialize in insuring businesses that traditional providers refuse to cover. No matter your industry or risk level, we can find a solution for you.

2. Affordable Pricing & Competitive Rates

If you’ve been hit with excessive workers’ compensation premiums, don’t worry. We have access to top-tier insurance carriers offering affordable, competitive rates that won’t break your budget. We work tirelessly to get you the best deal possible without compromising coverage.

3. Fast and Hassle-Free Coverage

Time is money, and waiting for insurance approvals can be frustrating. Our process is designed to get you covered quickly and efficiently, ensuring that your employees are protected and your business remains compliant.

4. No Business is Too Small or Too Large

Whether you run a small local business or a large corporation, we have customized workers’ compensation and disability coverage options tailored to your specific needs. From sole proprietors to businesses with hundreds of employees, we’ve got you covered.

5. Expertise in High-Risk Workers’ Compensation

Many companies struggle with securing workers’ comp due to past claims, high MOD rates, or operating in a hazardous industry. We specialize in these cases and can help lower your costs over time by guiding you through safety programs, claims management, and loss prevention strategies.

6. Coverage for New Ventures & Startups

Are you a new business owner struggling to get insured? Many carriers refuse to cover startups, but we welcome new businesses and provide tailored workers’ compensation solutions to help you get started on the right foot.

7. NYS Disability Insurance for Employers

In addition to workers’ compensation, we offer NYS disability insurance, ensuring that your employees receive the benefits they need if they suffer an off-the-job injury or illness. It’s a legal requirement in New York, and we make securing this coverage simple and affordable.

8. Dedicated, Personalized Service

Unlike big-name insurance companies that treat you like just another number, we provide one-on-one customer service. We take the time to understand your business, answer your questions, and ensure that you get the best coverage at the right price.

9. We Help You Stay Compliant

State laws and workers’ compensation regulations can be confusing. We help ensure that your business stays compliant with all requirements, avoiding costly fines and legal issues related to improper coverage.

10. Proven Track Record of Success

With years of experience in the insurance industry, we have helped countless businesses secure the workers’ comp and disability coverage they need. Our clients trust us because we deliver results and stand by our promises.

Who We Cover

At BGES Group, we provide coverage for a wide range of industries, including but not limited to:

✅ Construction (General Contractors & Subcontractors)
✅ Trucking & Transportation
✅ Manufacturing & Warehousing
✅ Healthcare & Home Healthcare Agencies
✅ Staffing Agencies
✅ Restaurants & Hospitality
✅ Retail & Wholesale Operations
✅ Cleaning & Janitorial Services

No matter your industry, we can find a workers’ compensation and disability insurance solution that fits your needs.

Contact BGES Group Today!

Don’t let other insurance companies tell you that you’re “uninsurable.” BGES Group is here to provide you with the workers’ compensation and NYS disability insurance you need to protect your employees and your business.

📞 Call us today: (914) 806-5853
📧 Email us: bgesgroup@bgesgroup.com
🌐 Visit our website: www.bgesgroup.com

Whether you’ve been turned down, need better rates, or simply want a provider that understands your industry, BGES Group is your trusted partner for all your workers’ compensation and NYS disability insurance needs. Call us today!

If Johnny Carson and Rodney Dangerfield were around today, they’d have a thing or two to say about the state of construction insurance. And if they knew about BGES Group, you can bet they’d be rolling out the red carpet (or at least a heavily insured job site) for these insurance pros.

BGES Group specializes in helping New York contractors navigate the treacherous world of liability and workers’ compensation insurance. And let’s face it—when it comes to construction in New York, the only thing more unpredictable than the weather is the insurance market. But don’t worry—Johnny and Rodney are here (in spirit) to make sure you get the best coverage while having a laugh along the way.

What Johnny Carson and Rodney Dangerfield Would Say About BGES Group

Before we dive into why BGES Group is the best choice for your construction insurance needs, let’s hear what these comedy legends would have to say:

10 Jokes About BGES Group (Courtesy of Johnny & Rodney)

1. Johnny Carson: “You know, folks, construction insurance is like a magician’s assistant—if it’s not done right, someone’s getting sawed in half.”

2. Rodney Dangerfield: “I called BGES Group for insurance. They asked if I had any claims. I said, ‘Yeah, I claim I have no idea what I’m doing!’ No respect, I tell ya!”

3. Johnny Carson: “BGES Group is so good, even the wrecking ball companies use them. Just in case they accidentally build something instead.”

4. Rodney Dangerfield: “My last insurance agent was so bad, my policy had an expiration date of ‘Good Luck.’ But BGES Group? They actually know what they’re doing!”

5. Johnny Carson: “BGES Group makes getting insurance so easy, even the guy who forgot to bolt down the scaffolding can do it.”

6. Rodney Dangerfield: “I told BGES Group I needed insurance for my new business. They asked what kind. I said, ‘The kind that protects me from myself!’”

7. Johnny Carson: “BGES Group handles workers’ comp so well, even OSHA gives them a round of applause.”

8. Rodney Dangerfield: “My last policy was so bad, my lawyer read it and started laughing. But BGES Group? They’re the real deal!”

9. Johnny Carson: “You know you’ve got good insurance when even the building inspector says, ‘Now that’s coverage!’”

10. Rodney Dangerfield: “BGES Group got me such a good deal, I finally got some respect… from my bank account!”

Why BGES Group Is No Joke

Now that we’ve had our laughs, let’s talk business. When it comes to construction insurance, BGES Group is the go-to choice for contractors who need serious coverage without the headache. Here’s why:

1. They Specialize in Construction Insurance

Not all insurance agencies understand the unique risks that contractors face, but BGES Group lives and breathes construction insurance. They know the ins and outs of workers’ comp, general liability, and umbrella policies for construction businesses.

2. They Offer Competitive Pricing

BGES Group has access to multiple markets, meaning they can find you the best rates available. And let’s be honest—contractors have enough expenses without overpaying for insurance.

3. They Help You Avoid Hidden Pitfalls

Ever felt like your insurance policy was written in ancient Egyptian hieroglyphics? BGES Group explains everything in plain English so you know exactly what you’re getting—and more importantly, what you’re not.

4. They Handle High-Risk Contractors

Most insurance agencies run the other way when they hear words like “roofing,” “demolition,” or “asbestos.” But BGES Group has special programs for high-risk trades, ensuring even the toughest jobs are properly covered.

5. They Provide Personalized Service

With BGES Group, you’re not just another policy number. You get direct access to real experts who will walk you through your options and help you make the best decision for your business.

6. They Can Bundle Services for More Savings

Need workers’ comp, payroll services, and even group health insurance? BGES Group can bundle them together, saving you time, money, and a whole lot of stress.

7. They Know How to Handle Claims

A bad insurance agent disappears when it’s time to file a claim. But BGES Group sticks with you, making sure you get the support you need when you need it most.

8. They Serve New York, New Jersey, and Beyond

If you’re a contractor in New York, New Jersey, or Connecticut, BGES Group is the local expert who understands the specific regulations and requirements in your area.

9. They Work with All Types of Businesses

From general contractors to roofers, masons, electricians, and more, BGES Group has coverage options for just about everyone in the construction industry.

10. They Actually Care About Their Clients

Let’s face it—most insurance agencies just want to sell you a policy and move on. But BGES Group is built on relationships, meaning they genuinely care about protecting your business.

BGES Group Client Reviews

Don’t just take our word for it—here’s what real clients have to say about working with BGES Group:

⭐ “Gary Wallach and BGES Group made getting insurance so easy. They saved me money and explained everything clearly.” — Michael R.

⭐ “Best insurance agency I’ve ever worked with. Their knowledge of New York construction insurance is second to none!” — Tony D.

⭐ “I was paying way too much for my policy before I switched to BGES Group. They found me better coverage at a lower price. Highly recommend!” — Sarah K.

Get in Touch with BGES Group Today!

Want to get better insurance at a better price? Contact BGES Group today and see how they can help your business stay protected.

📞 Call Gary Wallach at: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: bgesgroup.com

So don’t wait until you’re knee-deep in lawsuits—get the right coverage now and sleep easier tonight. Even Johnny and Rodney would approve!

As a contractor in New York, understanding workers’ compensation insurance is critical to protecting your business from financial disaster. Hiring 1099 workers, day laborers, or paying employees in cash all carry potential risks that can affect your coverage and bottom line, especially during an insurance audit. This article will answer key questions about workers’ compensation insurance and explain how to protect yourself from costly mistakes.

Are 1099 Workers Covered Under Workers’ Compensation in the Event of an Injury?

The short answer is: it depends. If you hire an independent contractor (1099 worker) who truly operates as an independent business—meaning they have their own insurance, work for multiple clients, and provide their own tools—they may not be covered under your policy.

However, if a 1099 worker is injured and it is determined they were functioning more like an employee (i.e., working exclusively for you, using your equipment, or taking direction like an employee), they may be entitled to workers’ compensation benefits under your policy. The New York Workers’ Compensation Board (WCB) and your insurance carrier will assess the nature of the working relationship to determine liability.

How Will 1099 Payments Be Handled During an Audit?

When your workers’ compensation policy is audited, your insurer will examine all payments made to workers. If you paid 1099 workers who should have been classified as employees, their wages may be included in your premium calculation, leading to additional charges.

To avoid surprises, ensure that independent contractors provide proof of their own workers’ compensation insurance. If they don’t, you may be held responsible for covering them, which can lead to higher costs.

Are Day Laborers Covered If They Get Injured?

Yes, day laborers are considered employees for workers’ compensation purposes, even if they work only one day. If a day laborer is injured, they are entitled to workers’ compensation benefits, and your insurance policy is expected to cover the claim.

How Will Day Laborer Payments Affect an Audit?

During an audit, any payments made to day laborers will likely be counted toward your payroll total, which determines your final premium. If you failed to include these wages when purchasing your policy, expect to pay additional premiums.

What Happens If I Pay Workers in Cash and They Get Injured?

Paying workers in cash does not exempt you from workers’ compensation obligations. If a cash-paid worker is injured, they can file a claim, and you could be held liable for medical expenses and lost wages. The WCB does not care how wages were paid—only that they were paid.

How Will Cash Payments Be Handled in an Audit?

At audit time, if you cannot provide proper documentation (such as payroll records or 1099 forms), the auditor may estimate your payroll based on job size, industry standards, or other available data. This can result in substantial additional charges.

What Will a State Workers’ Compensation Plan Say About Hiring 1099s, Day Laborers, and Cash-Paid Workers?

If you have workers’ compensation through the New York State Insurance Fund (NYSIF) or another state plan, they will be very strict about proper worker classification.

• 1099s without proof of their own coverage will be considered employees.
• Day laborers will be covered as employees.
• Cash payments will be scrutinized, and undeclared wages can lead to penalties or policy cancellation.

State plans often require extensive documentation to ensure compliance, so keeping accurate records is essential.

What Will a Private Workers’ Compensation Insurance Company Say About Hiring 1099s, Day Laborers, and Cash-Paid Workers?

Private insurance carriers generally follow the same classification rules as the state fund but may enforce them differently. Some companies may refuse coverage if they find unreported payroll or misclassified workers, while others may charge hefty additional premiums.

If a private insurer determines that you are not following proper classification guidelines, they may:

• Adjust your policy to reflect higher payroll.
• Increase your renewal premium.
• Cancel or non-renew your policy due to misrepresentation.

What Can I Do If My Workers’ Compensation Insurance Company Is Raising My Renewal Premium or Non-Renewing Me Due to Claims?

If your insurance company is drastically increasing your premium or non-renewing your policy due to claims, you still have options:

1. Shop for Alternative Coverage – Not all insurers treat claims history the same way. A broker specializing in high-risk accounts may find you a better option.
2. Review Your Claims History – Make sure all claims were handled properly and negotiate reserves if possible.
3. Implement Safety Programs – Carriers are more willing to work with companies that have clear safety procedures and risk management strategies.
4. Consider a Captive or PEO (Professional Employer Organization) – These options can provide coverage alternatives that may be more cost-effective.

Need Workers’ Compensation Help? Contact the Experts at BGES Group!

Workers’ compensation insurance is complex, especially in New York’s construction industry. Hiring 1099 workers, day laborers, or paying employees in cash can create serious risks if not handled properly.

BGES Group specializes in helping contractors navigate the workers’ compensation system and find affordable, reliable coverage. If your current insurer is increasing rates or canceling your policy, we can help you secure new coverage that meets your needs.

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

Don’t wait until it’s too late—get the right coverage today and protect your business from costly mistakes!

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

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

---

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

New York State Disability Insurance (DBL)

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

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

Paid Family Leave (PFL)

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

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

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

---

How Much Can an Employee Receive Under DBL and PFL?

New York State Disability (DBL) Payment Amounts

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

Paid Family Leave (PFL) Payment Amounts

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

---

Who Pays for DBL and PFL?

Disability Insurance (DBL) Cost and Funding

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

Paid Family Leave (PFL) Cost and Funding

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

---

What Are the Employer Implications?

Employers must comply with DBL and PFL regulations by:

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

Employers who fail to carry DBL can face:

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

---

Enhancing Coverage Beyond the $170 Weekly Statutory Amount

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

Enhanced DBL Plans May Offer:

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

Employers who upgrade their DBL coverage can:

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

---

How BGES Group Can Help You Purchase DBL and PFL Coverage

Who is BGES Group?

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

Why Work with BGES Group?

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

Contact BGES Group Today

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

Contact Gary Wallach today:

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

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

---

Final Thoughts

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

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