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

Traditional Workers’ Compensation Policies: The Standard Route

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

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

Payroll and Workers’ Compensation Plans: A Hidden Gem

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

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

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

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

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

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

Solving Common Workers’ Compensation Challenges

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

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

Real-World Success Stories

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

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

Navigating Multi-State Coverage

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

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

Why Choose BGES Group?

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

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

Comprehensive Services Beyond Workers’ Compensation

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

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

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

Get the Right Coverage Today

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

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

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

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

What Is a 1099 Worker?

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

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

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

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

What Isn’t Considered a 1099 Worker?

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

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

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

Insurance Challenges When Hiring 1099 Workers

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

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

Penalties for Misclassification

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

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

Workers’ Compensation and 1099 Workers

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

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

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

To protect against this risk, contractors should:

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

How BGES Group Can Help

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

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

Contact BGES Group Today

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

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

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

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

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

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

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

Who Can the Injured Worker Sue?

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

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

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

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

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

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

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

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

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

Who Can the Injured Worker Sue?

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

What Happens Without a Hold Harmless Agreement?

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

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

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

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

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

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

Why Contractors Turn to BGES Group

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

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

• General Liability with Labor Law Coverage

• Umbrella/Excess Liability for additional protection

• Workers’ Compensation coverage that meets New York State requirements

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

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

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

Protect Your Business Today—Contact BGES Group

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

Contact BGES Group for a Free Consultation

• Gary Wallach, Construction Insurance Expert

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

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

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

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

Here’s Why:

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

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

Protecting Yourself

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

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

About BGES Group

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

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

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

For many business owners, securing affordable and comprehensive workers’ compensation and group health insurance can be a challenge. Traditional insurance markets may be costly, particularly for small and mid-sized businesses. One alternative that has gained popularity is partnering with a Professional Employer Organization (PEO).

A PEO is a company that provides human resources services, payroll processing, compliance assistance, and employee benefits—most notably, workers’ compensation and group health insurance. By pooling employees from multiple companies into one large group, a PEO can often negotiate better rates and offer more robust benefits than a business could secure on its own.

But is a PEO the right choice for your company? Below, we explore the benefits and drawbacks of partnering with a PEO and introduce an alternative option: BGES Group, specialists in workers’ compensation insurance.

10 Benefits of Partnering with a PEO

1. Lower Workers’ Compensation Costs

Because a PEO pools employees from multiple businesses, it can negotiate lower workers’ compensation insurance rates. Businesses that may struggle to secure coverage due to industry risk factors can often find affordable options through a PEO.

2. Access to Group Health Insurance Plans

Small businesses often face high premiums when purchasing health insurance. A PEO allows companies to participate in large-group health insurance plans, giving them access to better benefits at lower costs.

3. Simplified Payroll Processing

PEOs handle payroll processing, tax filings, and compliance, ensuring that employee wages, withholdings, and tax payments are handled accurately and on time.

4. HR Compliance Assistance

Employment laws and regulations are constantly changing. A PEO provides guidance on HR compliance, helping businesses avoid costly legal mistakes related to hiring, terminations, workplace safety, and employee benefits.

5. Reduced Administrative Burden

By outsourcing HR, payroll, and benefits administration to a PEO, business owners can focus on growing their company instead of managing time-consuming paperwork.

6. Workplace Safety Programs

PEOs provide workplace safety training, risk management services, and claims management to help reduce workplace injuries and improve safety compliance.

7. Employee Benefits and Retirement Plans

PEOs can offer 401(k) plans, dental and vision insurance, and other benefits that small businesses might not be able to afford independently. These benefits help attract and retain top talent.

8. Faster Claims Management

In the event of a workplace injury, PEOs handle workers’ compensation claims efficiently, ensuring employees receive benefits quickly while minimizing disruptions to the business.

9. Better Hiring and Onboarding Processes

PEOs provide hiring and onboarding support, including background checks, job descriptions, and compliance with labor laws. This helps businesses make better hiring decisions.

10. Scalability for Growth

A PEO makes it easier for businesses to scale, whether by hiring across multiple states, expanding benefits, or adjusting HR policies as the company grows.

5 Drawbacks of Being in a PEO

While there are many benefits to joining a PEO, there are also some potential downsides to consider.

1. Loss of Control Over HR and Benefits

When a company partners with a PEO, it co-employs its workforce with the PEO. This means that while business owners still have managerial control, certain HR decisions—such as benefit offerings—are influenced by the PEO.

2. Potential for Higher Costs Over Time

While PEOs can offer cost savings, service fees and administrative costs can add up, especially if a company has low workers’ compensation claims or access to affordable standalone insurance options.

3. One-Size-Fits-All Approach

PEOs provide standardized benefits packages, which may not always fit a company’s unique needs. Customization can be limited, particularly for businesses looking for specialized coverage.

4. Difficulty Leaving the PEO

Exiting a PEO arrangement can be complicated. Companies must transition payroll, benefits, and workers’ compensation policies back in-house or to another provider, which can be time-consuming and costly.

5. Limited Carrier Choices

Most PEOs work with a select group of insurance carriers. If a business prefers a specific insurance provider or has an existing relationship with one, it may not have the flexibility to keep that provider under a PEO model.

BGES Group: An Alternative for Workers’ Compensation & Group Health Coverage

If your business is considering a PEO but wants to explore other options for workers’ compensation and group health insurance, BGES Group can help.

Why Work with BGES Group?

BGES Group specializes in workers’ compensation insurance, serving businesses in New York, New Jersey, and Connecticut. Unlike a PEO, which requires businesses to co-employ their workforce, BGES Group works directly with business owners to secure customized insurance solutions.

Here’s why businesses turn to BGES Group:

✔ Specialized Expertise – BGES Group focuses solely on insurance, meaning you get personalized service from a team that understands your industry’s risks and challenges.

✔ More Carrier Options – Unlike PEOs, which limit you to their provider network, BGES Group shops the market to find the best coverage at the most competitive rates.

✔ Flexibility & Control – With BGES Group, you maintain full control over your business, including HR decisions, payroll, and employee benefits.

✔ No Hidden Fees – PEOs often charge administrative fees that can add up over time. BGES Group does not charge separate fees, you get transparent pricing with no surprises.

✔ Dedicated Support – When you work with BGES Group, you get direct access to experienced insurance professionals, including Gary Wallach, who can help you navigate workers’ comp and group health coverage options.

Need Workers’ Compensation or Group Health Insurance? Contact BGES Group Today!

If you’re a business owner looking for affordable and customized workers’ compensation or group health coverage, BGES Group is here to help.

📞 Call Gary Wallach at: 914-806-5853

📧 Email: bgesgroup@gmail.com

🌐 Visit: www.bgesgroup.com

Let BGES Group help you find the right insurance solution for your business—without the complications of a PEO.

The world of contractors—whether in construction, home renovation, or large-scale infrastructure projects—is filled with challenges, triumphs, and sometimes, a little bit of drama. Hollywood has captured the grit and determination of contractors in various ways, from intense dramas to action-packed thrillers. If you’re in the industry or just love a good story about hardworking professionals overcoming the odds, here are ten must-watch movies about contractors.

1. The Money Pit (1986)

If you’ve ever tackled a home renovation, The Money Pit will hit close to home. This classic comedy stars Tom Hanks and Shelley Long as a couple who buy what seems like a dream home—only to discover it’s a complete disaster. From collapsing staircases to plumbing nightmares, the film is a hilarious take on the trials and tribulations of home renovation. Contractors will appreciate the chaotic (yet all too familiar) job site scenes and the importance of hiring the right professionals.

2. Pacific Heights (1990)

Michael Keaton plays one of the worst tenants imaginable in this psychological thriller about a couple (Melanie Griffith and Matthew Modine) who renovate a house in San Francisco to rent out. Unfortunately, they unknowingly lease a unit to a manipulative and dangerous squatter. While the film is more about landlord nightmares than construction, it serves as a cautionary tale for contractors who take on rental property renovations.

3. The Fountainhead (1949)

A thought-provoking film based on Ayn Rand’s novel, The Fountainhead follows Howard Roark (Gary Cooper), an uncompromising architect who refuses to conform to traditional construction and design standards. His battle against societal expectations and corporate greed will resonate with contractors and builders who take pride in their craftsmanship and creativity.

4. Life as a House (2001)

Starring Kevin Kline, Life as a House is a deeply emotional drama about a dying architect who decides to rebuild his home while reconnecting with his estranged son. The film beautifully portrays how construction can be more than just a profession—it can be a way to heal and build relationships. The story showcases the dedication and personal passion that many contractors bring to their projects.

5. The Builder (2010)

This lesser-known independent film follows an Irish immigrant carpenter struggling to build a new life in America. The Builder is a slow burn, focusing on the difficulties of starting a contracting business, dealing with financial struggles, and navigating personal conflicts. If you appreciate realistic, character-driven stories, this one is worth a watch.

Attention Contractors: Protect Your Business with BGES Group!

At BGES Group, we understand the unique risks that contractors face. From workplace injuries to liability concerns, having the right workers’ compensation insurance can mean the difference between business success and financial disaster.

We proudly serve New York, New Jersey, and Connecticut, ensuring contractors get the best coverage at competitive rates. If you’re located outside the Tri-State area, don’t worry—we have an associate who services contractors nationwide.

Don’t leave your business unprotected! Call Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to discuss your workers’ comp, payroll, and liability insurance needs. You work hard—let us help protect what you’ve built!

6. Jerry and Marge Go Large (2022)

This feel-good comedy-drama starring Bryan Cranston and Annette Bening tells the true story of a retired contractor who uses his math skills to legally game the lottery. While the movie isn’t strictly about contracting, it highlights the intelligence and problem-solving mindset that many successful contractors share. Plus, it’s just a great, heartwarming story.

7. Towering Inferno (1974)

One of the greatest disaster films of all time, Towering Inferno follows a massive high-rise fire caused by subpar construction materials. Paul Newman plays the dedicated architect trying to save lives, while Steve McQueen is the heroic firefighter battling the blaze. The film serves as a powerful reminder of why quality craftsmanship and adherence to building codes are essential in the construction industry.

8. The Big Short (2015)

While The Big Short primarily focuses on the financial crisis of 2008, contractors will find its insights into the housing market crash fascinating. Many construction businesses suffered during the collapse, and the film explores the behind-the-scenes corruption and poor planning that led to the crisis. It’s a must-watch for contractors looking to understand the economic forces that impact their industry.

9. The Contractor (2022)

Chris Pine stars as a discharged special forces soldier who becomes a private contractor for a shadowy organization. While this action-packed thriller deals with military contracting rather than construction, it offers a look at the risks and ethical dilemmas of contract-based work in high-stakes environments.

10. The Lego Movie (2014)

Okay, this one is a bit unconventional, but hear us out. The Lego Movie is essentially about construction—on a massive scale. The film’s protagonist, Emmet, is a construction worker (or builder, in Lego terms) who discovers that his skills are more important than he ever realized. It’s a fun, family-friendly take on teamwork, creativity, and problem-solving—qualities every contractor needs.

Why Contractors Trust BGES Group for Their Insurance Needs

If you’re a contractor in New York, New Jersey, or Connecticut, you know how tough the industry is. From dealing with subcontractors to managing safety on job sites, the risks are everywhere. That’s why you need an insurance partner who understands your business inside and out.

At BGES Group, we specialize in providing workers’ compensation, liability insurance, and payroll solutions for contractors of all sizes. We know the industry, we know the challenges, and we have solutions that work for you.

Contact Us Today!

• Gary Wallach – Your go-to expert for contractor insurance

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Your business is your livelihood—protect it with BGES Group!

These ten films offer something for everyone, whether you’re looking for a laugh, a thrill, or an inside look at the challenges of being a contractor. And if you’re a contractor yourself, make sure your business is protected—because in real life, the right insurance can mean the difference between a setback and a catastrophe.

New York City and its surrounding areas are packed with incredible spots to grab a quick, satisfying lunch—especially for hardworking contractors who need a meal that fuels the rest of the workday. Whether you’re looking for a classic deli sandwich, a loaded hero, or something a little more gourmet, we’ve got you covered.

Here are 20 of the best places in New York for contractors to grab lunch—ranked not just on taste, but on size, speed, and the all-important bang for your buck.

1. Katz’s Delicatessen (Lower East Side, Manhattan)

The legendary Katz’s is a must-visit for any sandwich lover. Their Pastrami on Rye is stacked sky-high, juicy, and perfectly seasoned. It’s a little pricey, but one sandwich is enough to keep you full all day.

2. Defonte’s Sandwich Shop (Brooklyn & Staten Island)

Defonte’s has been serving up massive Italian sandwiches since 1922. Try the Nicky Special—a loaded hero with fried eggplant, ham, salami, mozzarella, and more.

3. John’s Deli (Bensonhurst, Brooklyn)

Famous for their hot roast beef sandwich with fresh mozzarella and gravy, John’s Deli is where you go when you need something hearty. The “Hero of the Gods” lives up to its name.

4. Leo’s Latticini (Mama’s of Corona, Queens)

If you’re working in Queens, Leo’s is a must. The Mama’s Special—fresh mozzarella, salami, and peppers—is legendary.

5. Liebman’s Deli (Bronx)

Located in Riverdale, Liebman’s is one of the last authentic Jewish delis in the Bronx. The corned beef and pastrami combo is a must-try.

6. Fiore’s Deli (Hoboken, NJ – Worth the Drive!)

If you’re working near Jersey, Fiore’s roast beef with mutz (mozzarella) and gravy is one of the best sandwiches in the Tri-State area. Pro tip: Go on Thursday or Saturday when they serve it fresh.

7. Faicco’s Italian Specialties (Greenwich Village, Manhattan)

A butcher shop that makes next-level Italian sandwiches. The chicken cutlet with fresh mozzarella, roasted peppers, and balsamic is out of this world.

8. Sal, Kris & Charlie’s Deli (Astoria, Queens)

Home of the Bomb, an overstuffed hero with everything you can imagine. Contractors love this spot for a reason—big portions, reasonable prices, and quick service.

9. Anthony & Son Panini Shoppe (Williamsburg, Brooklyn)

Their Godfather Panini is a local favorite, stacked with Italian meats, fresh mozzarella, and roasted peppers, pressed to perfection.

10. This Little Piggy Had Roast Beef (East Village, Manhattan)

A no-frills spot with juicy roast beef sandwiches served up in two styles: The “This Way” (cheese sauce) and The “That Way” (au jus and fresh mozzarella).

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Need Contractor Insurance? Let’s Talk About It.

As a contractor, you’re always on the move—whether it’s grabbing lunch or heading to a job site. But are you covered where it matters most?

BGES Group, led by industry expert Gary Wallach (914-806-5853), specializes in helping New York contractors find the best coverage for:

✅ General Liability Insurance
✅ Workers’ Compensation
✅ Umbrella Policies
✅ Payroll & Group Health Insurance Options

Whether you’re a general contractor, roofing specialist, or tradesperson, BGES Group offers affordable, customized policies that keep you protected.

📞 Call Gary today at 914-806-5853 or email bgesgroup@gmail.com to learn more.

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11. Milano Market (Upper East Side, Manhattan)

A contractor favorite for high-quality deli sandwiches. The Chicken Italiano is a must-try, with thin-sliced chicken cutlet, fresh mozzarella, and balsamic glaze.

12. Lioni Italian Heroes (Bensonhurst, Brooklyn)

With over 150 sandwiches on the menu, Lioni’s is a legendary stop for massive, delicious heroes. Try the Joe Pesci—chicken cutlet, fresh mozzarella, and vodka sauce.

13. Parisi Bakery (Little Italy, Manhattan)

A classic Italian bakery serving legendary cold-cut sandwiches. The Italian Combo is one of the best in the city.

14. Tino’s Delicatessen (Bronx – Near Arthur Ave.)

A hidden gem near Arthur Avenue, Tino’s serves incredible Italian sandwiches. The Prosciutto, Mozzarella & Arugula Hero is a must.

15. Sergimmo Salumeria (Hell’s Kitchen, Manhattan)

A go-to spot for Italian-style sandwiches with homemade mozzarella. The Porchetta Hero is pure perfection.

16. Court Street Grocers (Brooklyn & Manhattan)

Known for their creative sandwiches, the Italian Combo with house-made spicy spread is a knockout.

17. Albanese Meats & Poultry (Little Italy, Manhattan)

An old-school butcher shop that serves next-level meatball sandwiches. If you love homemade, saucy meatballs, this is the spot.

18. Breslin Burger Joint (Flatiron, Manhattan)

If you’re in the mood for a burger instead of a sandwich, the lamb burger at The Breslin is one of the best in NYC.

19. Joe’s Steam Rice Roll (Queens & Manhattan)

For a different kind of sandwich, try a Hong Kong-style rice roll—soft, savory, and packed with fillings like BBQ pork, beef, and shrimp.

20. Sunny & Annie’s (Alphabet City, Manhattan)

A bodega with gourmet sandwiches, including the Vietnamese-inspired “Pho Real” sandwich loaded with roast beef, basil, hoisin sauce, and Sriracha.

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BGES Group: The Experts in Contractor Insurance

If you’re a New York contractor, you know that finding the right insurance coverage is just as important as finding the best lunch spot.

BGES Group specializes in:

✔️ General Liability & Umbrella Insurance
✔️ Workers’ Compensation Solutions
✔️ Payroll & Group Health Options

Led by Gary Wallach, BGES Group takes a boutique-style approach, offering expert guidance, competitive pricing, and top-tier service.

📞 Call Gary at 914-806-5853
📧 Email: bgesgroup@gmail.com
🌎 Website: www.bgesgroup.com

Don’t wait until you face a claim—get the right coverage before you need it.

Now that you know where to grab the best sandwiches and where to get the best contractor insurance, you’re all set for a productive, well-fed workday!

As a New York contractor, having a liability claim denied by your commercial general liability (CGL) insurance company can be a frustrating and costly experience. However, a denial does not mean the end of the road. There are several steps you can take to challenge the decision and potentially get the insurance company to cover your claim. This article provides a step-by-step guide on how to appeal a denied liability claim and what actions you can take to improve your chances of success.

Step 1: Review the Denial Letter Carefully

When your insurance company denies your claim, they will send a denial letter outlining the reasons. Carefully review this document to understand why the claim was denied. Common reasons for denial include:

• The claim falls under an exclusion in your policy.
• There was a lapse in coverage.
• The claim was filed late.
• The insurer believes you were negligent beyond what your policy covers.

Understanding the reason for denial will help you determine the best course of action.

Step 2: Review Your Policy

Next, obtain a copy of your CGL policy and go through it carefully. Look for language that might contradict the denial reasons. Pay close attention to:

• Covered events and exclusions
• Reporting requirements
• Endorsements that may modify coverage

If you find that the policy does indeed cover your situation, you will have strong grounds for an appeal.

Step 3: Gather Supporting Documentation

To strengthen your appeal, gather all necessary documents, including:

• The original contract related to the work in question
• Incident reports and photographs
• Witness statements
• Correspondence with the insurance company
• Any expert opinions or reports

Strong documentation can help you prove that your claim should be covered.

Step 4: File a Formal Appeal

Most insurance companies have an internal appeals process. Follow these steps:

1. Write a formal appeal letter addressing the denial reason and presenting evidence that supports your case.
2. Attach all relevant documentation to reinforce your argument.
3. Request a reconsideration of your claim based on the facts you provide.
4. Send the appeal via certified mail to ensure receipt.

Step 5: Engage a Legal or Insurance Professional

If your appeal is denied, consider consulting with an insurance attorney or a professional specializing in construction insurance, such as a broker. They can:

• Interpret complex insurance language
• Advocate on your behalf
• Negotiate with the insurance company

An experienced professional can make a significant difference in overturning a denial.

Step 6: File a Complaint with Regulatory Authorities

If you believe the denial is unfair or violates insurance regulations, you can file a complaint with the New York State Department of Financial Services (DFS). DFS oversees insurance practices and can review your case.

Step 7: Consider Litigation

If all else fails, you may need to take legal action against the insurance company. This should be a last resort due to the costs involved, but in some cases, a lawsuit can force the insurer to honor the policy.

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BGES Group: Experts in New York Construction Insurance

If you are a New York contractor facing an insurance denial, BGES Group is here to help. BGES Group specializes in New York construction insurance and has extensive experience dealing with liability claims and insurance disputes.

Why Choose BGES Group?

• Expertise in New York Construction Insurance – They understand the complexities of insurance policies specific to the construction industry.
• Mom-and-Pop Boutique Service – Unlike big insurance firms, BGES Group provides personalized service with a hands-on approach.
• Advocacy for Contractors – They work diligently to ensure you have the right coverage and assist in appealing denied claims.

Contact BGES Group

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

If you need help appealing a liability claim denial or ensuring you have the right insurance coverage, reach out to BGES Group today!

When it comes to securing workers’ compensation insurance, contractors need to make informed decisions to ensure they are getting the best coverage at the most competitive rates. Without proper coverage, contractors risk compliance issues, financial burdens, and potential business interruptions. If you’re searching for “affordable workers’ compensation insurance for contractors,” “best workers’ comp insurance for construction companies,” or “workers’ comp insurance in New York and New Jersey,” you’ve come to the right place.

Here are five critical factors every contractor should consider before purchasing a workers’ compensation policy:

1. Long-Term Coverage Stability for Contractors

Not all insurance carriers offer the same level of long-term stability. As a contractor, you want to ensure that the insurance company you choose has a strong track record of supporting businesses in the construction industry. A reliable carrier provides consistent rates, ensures minimal disruptions in coverage, and offers robust claims management.

If you frequently search for “best workers’ compensation providers for contractors” or “stable workers’ comp insurance for construction,” you need to look at the insurer’s financial strength, history of rate fluctuations, and commitment to contractors over the long haul. The last thing you want is to be dropped by your carrier or see your premiums skyrocket unexpectedly.

2. Coverage in All States Where You Operate

Many contractors operate in multiple states, which can create coverage gaps if their policy isn’t structured correctly. For example, if your main office is in Staten Island but you frequently take on projects in New Jersey for extended periods, a state-specific plan may not provide the coverage you need.

If you’re searching for “multi-state workers’ comp insurance for contractors” or “workers’ compensation for out-of-state jobs,” ensure your policy extends to every state where your employees work. This will prevent unexpected denials and costly out-of-pocket expenses if a worker is injured while working outside of the primary coverage area.

3. Proper Payroll Classification to Avoid Overpaying

Workers’ compensation premiums are based on your payroll classification codes, and each trade within construction has different rates. A general contractor may have employees performing carpentry, drywall, and tiling—all of which have different class codes. If your payroll isn’t properly separated by class code, you could end up overpaying significantly.

Common Google searches like “how to lower workers’ compensation premiums for contractors” or “correct workers’ comp classification codes” highlight how important this issue is. A knowledgeable insurance broker can help ensure payroll is accurately classified so that you don’t pay higher rates than necessary.

4. Experience Modification Factor (EMR) – Key for Winning Jobs

Your Experience Modification Factor (EMR) is a crucial factor in determining your workers’ compensation premium and your ability to secure contracts. A high EMR (debit mod) means you’ve had more claims than your industry average, which can make it difficult to win new projects. A low EMR (credit mod) can save you money on premiums and make your business more attractive to clients.

If you’re typing “how to reduce my workers’ comp EMR” or “workers’ compensation impact on construction bids,” you know how vital this number is. Ensuring your EMR is accurate and working to lower it can make a huge difference in the success of your business.

5. Pay-As-You-Go Programs for Seasonal Work

For many contractors, especially after a tough winter like 2024-2025, business slows down, and cash flow becomes tight. Traditional workers’ compensation policies require large upfront premium payments based on estimated payrolls, which can be a burden when work is inconsistent.

If you’re looking for “pay-as-you-go workers’ compensation insurance for contractors” or “low-cost workers’ comp insurance based on payroll,” you’ll want a policy that allows premium payments based on actual monthly payroll instead of estimated annual payroll. This can help you manage costs more effectively and avoid large audit adjustments.

6. NYCPAP Credit – A Potential 19% or Higher Savings

Many New York contractors miss out on significant savings simply because their broker doesn’t apply for the NYCPAP credit. This credit can reduce workers’ compensation costs by 19% or more, but it requires proper application and documentation.

If you’ve been searching for “NYCPAP credit for contractors” or “how to reduce New York workers’ comp insurance costs,” this is one of the easiest ways to save money. Make sure you’re working with a knowledgeable broker who proactively applies for this credit on your behalf.

Need Help Finding the Best Workers’ Compensation Insurance? Contact BGES Group

If you need assistance securing workers’ compensation insurance tailored to contractors, BGES Group specializes in workers’ compensation coverage for New York, New Jersey, and the Tri-State area. We offer the best plans and ensure you get all available credits and savings.

Contact Gary Wallach at BGES Group:

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

Don’t leave your workers’ compensation coverage to chance. Let BGES Group help you secure the best plan for your business today! Whether you need “workers’ comp insurance for contractors in NYC,” “best rates for construction workers’ comp,” or “multi-state workers’ compensation insurance,” we have the solutions you need.

As a contractor in New York, having the right liability and workers’ compensation insurance is crucial to running a successful business. However, what happens if your insurance provider decides not to renew your policies? Many contractors find themselves scrambling at the last minute to secure coverage, often facing limited options and higher costs.

The best approach is to start preparing at least three months before your policies renew. This gives you ample time to explore your options, gather necessary documents, and work with a knowledgeable broker who understands the complexities of construction insurance. Here’s what you need to do to ensure you secure the best coverage at competitive rates.

Preparing for General Liability Insurance Quotes

To obtain accurate and competitive general liability insurance quotes, you will need to provide the following:

1. Copy of All Current Policies in PDF Format
   Having digital copies of your policies ensures that potential insurers can quickly assess your current coverage and terms.
2. Completed Contractor Liability Questionnaire
   This document outlines the nature of your business, past claims, and specific coverage needs.
3. List of Past Insurance Carriers (Five-Year History)
   Insurers will want to see who your previous liability, workers’ compensation, and business auto providers were to evaluate your risk history.
4. Five-Year Loss Runs for Liability, Workers’ Compensation, and Business Auto
   These reports show your claims history and are critical in determining the level of risk associated with insuring your business.
5. Subcontractor Agreements and Certificates of Insurance
   If you use subcontractors, you must provide at least two signed and executed insurance and hold harmless agreements, along with their corresponding certificates of insurance. This demonstrates that you properly vet and manage risk within your subcontractor network.
6. Written Safety Manual
   A well-documented safety program is a major factor in obtaining favorable rates. It shows insurers that you prioritize workplace safety and have protocols in place to mitigate risks.
7. Resumes for Business Owners
   Providing a detailed resume helps insurers understand your experience and qualifications in the industry.
8. Detailed Description of Upcoming Work
   Avoid using vague or overly broad descriptions of your work. Instead, be specific about the types of projects you will be undertaking over the next 12 months. If you perform height work, break it down by percentage and number of stories:
   • 50% of work is at one story
   • 80% of work is at two stories
   • 100% of work is at three stories
   Being precise about your operations helps underwriters assess your risk more accurately and prevents unnecessary premium increases.

Preparing for Workers’ Compensation Insurance Quotes

For workers’ compensation coverage, you’ll need to gather the following:

1. Completed Workers’ Compensation Questionnaire
   This form helps insurers understand your workforce size, job classifications, and payroll information.
2. Copy of Your Most Recent Experience Modification Worksheet
   Your experience modification factor (MOD) is a key determinant of your workers’ compensation premium. You can request this worksheet from your current insurance carrier.
3. Five-Year Loss Runs for Workers’ Compensation
   Like liability insurance, insurers will want to review your claims history to assess risk.
4. Most Recent Audit Report
   Your latest workers’ compensation audit provides insight into your payroll and classifications, which insurers use to calculate premiums.

Why Organization Matters

The more organized you are, the easier it will be to secure new coverage at favorable rates. Insurers prefer working with businesses that can provide clear, comprehensive documentation because it signals that you run a well-managed operation. By having all required documents ready before you start shopping for insurance, you increase your chances of securing coverage with minimal hassle.

How BGES Group Can Help

Navigating the insurance market can be challenging, especially when your policies are non-renewed. At BGES Group, we specialize in helping New York contractors secure the best liability and workers’ compensation coverage available. Our boutique-style service ensures that you work with one dedicated professional who knows your account inside and out—no repetitive questions or frustrating bureaucracy.

We provide expert guidance, ensuring that you meet all insurer requirements and present yourself as a well-prepared and low-risk candidate for coverage. Our team is sharp, experienced, and ready to help you secure the best possible rates.

Contact BGES Group Today

For personalized assistance in securing your liability and workers’ compensation insurance, contact:

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

Final Thoughts

Being proactive and organized can make all the difference when facing a non-renewal. Start preparing at least three months in advance, gather all required documentation, and work with an experienced insurance professional to secure the best coverage at the most competitive rates. With BGES Group by your side, you can navigate the process smoothly and ensure your business remains protected.