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

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

15 Common Workers’ Compensation Problems BGES Group Can Solve

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

1. Skyrocketing Premiums

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

2. Coverage Gaps That Put You at Risk

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

3. Difficult and Time-Consuming Audits

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

4. Misclassified Payroll Leading to Overcharges

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

5. Denied or Delayed Claims

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

6. High Experience Modification Rate (MOD Rate)

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

7. Poor Claims Management Leading to Higher Costs

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

8. Safety Violations and Compliance Issues

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

9. Limited Carrier Options

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

10. Policy Cancellations or Non-Renewals

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

11. Poor Customer Service from Your Current Broker

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

12. Trouble Getting Workers’ Compensation Certificates Quickly

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

13. Struggling to Secure Coverage with Prior Claims History

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

14. Confusing State Regulations

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

15. No Return-to-Work Program

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

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Special Programs Offered by BGES Group

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

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

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

2. High-Risk Business Coverage

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

3. Professional Employer Organization (PEO) Services

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

4. Claims Prevention and Safety Programs

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

5. New York Construction Workers’ Compensation Programs

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

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BGES Group: Your Trusted Workers’ Compensation Specialists

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

Why Choose BGES Group?

✔ Over 45 Years of Experience

✔ Access to Multiple Insurance Carriers

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

✔ Fast Certificate Processing

✔ Personalized, Hands-On Service

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Contact BGES Group Today!

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

📍 BGES Group

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

📧 Email: info@bgesgroup.com

🌐 Website: www.bgesgroup.com

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

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

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

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

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

Understanding the Importance of Renewing Your Insurance Policies

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

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

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

1. Start the Renewal Process Early

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

2. Review Your Current Coverage

Before renewing, evaluate your current policies:

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

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

3. Assess Business Changes That Impact Insurance Needs

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

4. Shop Around for the Best Rates

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

5. Manage Your Workers’ Compensation Costs

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

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

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

6. Ensure Compliance with New York State Requirements

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

7. Avoid Coverage Gaps

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

Why Choose BGES Group for Your Insurance Renewals?

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

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

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

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

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

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

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

Get in Touch with BGES Group Today!

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

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

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

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

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

BGES Group: Your Workers’ Compensation Insurance Solution

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

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

1. We Say YES When Others Say No

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

2. Fast & Hassle-Free Coverage Placement

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

3. Competitive Pricing & Cost-Saving Options

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

4. We Pick Up the Phone When You Call

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

5. Certificates of Insurance Issued in Minutes

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

6. High-Risk Contractors Welcome

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

7. Flexible Payment Plans Available

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

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

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

9. Expert Claims Support to Protect Your Business

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

10. We’re Your Long-Term Insurance Partner

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

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

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

Contact Us Today!

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

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

The Golden Era of Insurance Agents

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

The Shift to Factory-Style Agencies

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

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

Questions to Ask Yourself

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

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

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

Remember When Service Mattered?

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

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

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

A Better Insurance Experience

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

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

Our Specialty: Construction and Workers’ Compensation Insurance

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

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

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

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

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

Get in Touch

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

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

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

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.

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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.

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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.

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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.

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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.

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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.

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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.

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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.

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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!