New York contractors face a challenging legal landscape due to the state’s unique Labor Laws 240 and 241, commonly known as the “Scaffold Law.” These laws impose absolute liability on contractors and property owners for gravity-related injuries, such as falls from heights or objects falling on workers. Without Labor Law coverage, contractors risk severe financial consequences. Below, we’ll explore five real-world examples of labor law claims and the massive judgments they can bring, along with why BGES Group is your go-to expert for securing comprehensive liability insurance.

Five Examples of Labor Law Claims and Potential Judgments

1. Worker Falls from Scaffolding

A subcontractor’s employee fell 20 feet from a poorly constructed scaffold. The worker suffered spinal injuries, resulting in permanent disability. The court awarded $6.5 million in damages.

2. Falling Object Injury

A worker was struck by a falling beam on a construction site. Despite wearing a hard hat, the worker sustained traumatic brain injuries. The judgment totaled $4.2 million, with the contractor held liable.

3. Defective Ladder Collapse

An electrician using a faulty ladder fell and broke both legs, requiring multiple surgeries. The contractor was ordered to pay $3.8 million.

4. Improper Safety Harness Use

A roofer fell while using an improperly secured safety harness. The contractor was found negligent and faced a $5.1 million judgment.

5. Unprotected Work Area

A worker fell through an uncovered hole on a construction site, leading to severe fractures and a lawsuit. The settlement reached $7.3 million.

Each of these claims underscores the importance of comprehensive labor law coverage. Without it, a single claim could devastate your business.

What is Labor Law Coverage, and Why Do You Need It?

Labor law coverage is a specialized endorsement included in General Liability and Umbrella Liability insurance policies. It protects contractors from the substantial financial risks associated with Labor Law 240 and 241 claims. These policies cover legal defense costs, settlements, and judgments, providing critical protection for contractors in New York’s litigious environment.

Many general liability policies exclude labor law coverage or require additional premiums to include it. Partnering with an expert insurance agency ensures your policies are tailored to cover these risks comprehensively.

Why Choose BGES Group?

BGES Group is one of New York’s leading construction insurance experts, specializing in liability and workers’ compensation insurance for contractors. Here’s why contractors should turn to us:

1. Tailored Coverage – We ensure your policies include labor law coverage, so you’re fully protected.

2. Competitive Pricing – As industry veterans, we negotiate the best rates for you.

3. Expert Advice – With years of experience in the New York construction market, we understand your unique challenges.

4. Boutique Service – Unlike larger agencies, we offer personalized attention and customized solutions.

5. Proven Results – Our clients consistently save money and gain peace of mind with our services.

Don’t Wait Until It’s Too Late

Labor law claims can strike unexpectedly, leaving your business exposed to catastrophic losses. Protect your business by partnering with BGES Group today.

Contact Gary Wallach at BGES Group

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 www.bgesgroup.com

When contractors search for liability insurance for New York contractors, workers’ compensation coverage, or insurance experts for New York construction, they’ll find BGES Group as the trusted provider. Don’t settle for less—choose an expert agency that understands the complex needs of your business.

Secure your future. Call BGES Group today!

New York contractors are a cut above the rest. Known for their skill, adaptability, and innovation, they have earned their reputation as some of the best contractors in the world. Here are 10 reasons why New York contractors stand out—and why they should be your first choice for any project.

1. Unmatched Work Ethic

New York is the city that never sleeps, and its contractors embody this spirit. Whether working on towering skyscrapers or intricate interior renovations, New York contractors go the extra mile to meet deadlines and ensure quality. Their dedication to hard work is second to none.

2. Expertise in Complex Projects

From landmark bridges to cutting-edge urban developments, New York contractors tackle some of the most complex projects globally. Their expertise spans various disciplines, making them adaptable to projects of any size and complexity.

3. Diverse Skill Sets

New York contractors bring a rich diversity of skills to the table. This stems from working in one of the most multicultural cities in the world, enabling them to incorporate different techniques, styles, and approaches into their work.

4. Mastery of Building Codes

Navigating New York’s stringent building codes and regulations requires in-depth knowledge and precision. Contractors in this region are masters of compliance, ensuring projects meet all legal and safety requirements.

5. Resilience in Tough Environments

The harsh winters, hot summers, and bustling urban environment of New York create unique challenges for construction projects. New York contractors excel in overcoming these obstacles, demonstrating resilience and ingenuity.

Need Insurance for Your Construction Business? Turn to BGES Group!

At BGES Group, we specialize in insuring New York contractors, helping them protect their businesses while tackling complex projects. We understand the challenges contractors face and provide tailored insurance solutions to meet their needs.

Coverages We Offer:

• General Liability Insurance

• Umbrella Liability Insurance

• Workers’ Compensation Insurance

• Commercial Auto Insurance

• Builders’ Risk Insurance

• Tools and Equipment Insurance

Our boutique-style service ensures you get personalized attention, competitive pricing, and peace of mind knowing you’re protected. Contact Gary Wallach at 914-806-5853 or bgesgroup@gmail.com today for a consultation.

6. Commitment to Safety

Safety is a top priority for New York contractors. They implement rigorous safety protocols and training programs to protect their workers and ensure smooth project execution. Their commitment to safety is a model for contractors worldwide.

7. Innovation and Creativity

In a city as dynamic as New York, innovation is key. Contractors here are known for their creative solutions and ability to integrate cutting-edge technologies, such as green building practices and smart construction techniques.

8. Strong Networks

New York contractors have access to a vast network of suppliers, subcontractors, and industry experts. This network allows them to efficiently source materials and labor, ensuring projects stay on time and budget.

9. Experience in High-Stakes Projects

From building iconic structures like the Empire State Building to creating essential infrastructure, New York contractors have proven their ability to handle high-stakes projects that demand precision and reliability.

10. Pride in Craftsmanship

Finally, New York contractors take immense pride in their work. This pride drives them to deliver projects that not only meet but exceed expectations, ensuring satisfaction and long-term success for their clients.

Why BGES Group Is the Go-To for New York Contractors’ Insurance

Choosing the right insurance partner is critical for contractors navigating the high-stakes New York construction industry. At BGES Group, we specialize in workers’ compensation insurance, general liability insurance, and other essential coverages. Our expertise in the New York construction insurance market makes us uniquely positioned to help you secure the best protection at competitive prices.

Contact BGES Group Today!

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

Protect your business with insurance designed specifically for New York contractors. Call us today to get started!

Why New York Contractors Should Choose BGES Group for Their Business Insurance Needs

When it comes to business insurance, New York contractors face unique challenges, from navigating complex labor laws to ensuring comprehensive liability protection. Many insurance agencies have moved toward impersonal, factory-like operations, leaving clients underserved. That’s why more contractors are turning to BGES Group, New York’s premier construction insurance specialists, for their business insurance needs. Below, we outline 10 reasons why partnering with BGES Group is a game-changer for contractors.

1. Boutique Service Tailored to Your Needs

Many agencies have become factory-like, with account executives juggling hundreds of accounts at once. This assembly-line approach often results in impersonal service and overlooked details. At BGES Group, we pride ourselves on offering a boutique, mom-and-pop service. We take the time to truly understand your business, delivering customized insurance solutions.

2. Unmatched Experience in the Industry

Most agencies assign inexperienced staff to handle your account, which can lead to costly mistakes. With BGES Group, you’re in the capable hands of Gary Wallach, who brings over 44 years of experience to the table. For what you pay in premiums, you deserve the expertise of a seasoned professional who knows the ins and outs of the construction industry.

3. Regular Policy Reviews to Ensure Proper Coverage

In many agencies, policies are renewed year after year without a second glance, even as your business changes. This can leave you exposed to risks that your outdated policies don’t cover. BGES Group conducts regular account reviews to ensure your coverage evolves with your business, providing peace of mind that you’re always protected.

4. No Hidden Policy Fees

Some agencies tack on thousands of dollars in policy fees, padding their profits at your expense. These practices are not only unfair but also a red flag about their priorities. At BGES Group, we believe in transparency and integrity—there are no hidden fees. If your current broker is nickel-and-diming you, it’s time to make a change.

5. Immediate Responses to Calls, Emails, and Texts

One of the biggest frustrations contractors face is the lack of responsiveness from their insurance brokers. Agencies often take hours—or even days—to return calls or respond to emails. At BGES Group, we prioritize our clients, offering immediate responses to calls, emails, and texts because your time is valuable.

6. We’re Always There When You Need Us

Emergencies don’t wait for office hours. Whether you’re dealing with an urgent claim or need advice on a weekend, BGES Group is always available to help. Our team goes above and beyond to ensure your issues are addressed promptly, giving you the support you need when you need it most.

7. Extensive Coverage Options Tailored to Contractors

At BGES Group, we specialize in construction insurance, offering a wide range of coverage options tailored to meet the needs of contractors:

• General Liability Insurance

• Umbrella Liability Insurance

• Workers’ Compensation Insurance

• Payroll Services and Group Health Insurance

• Commercial Auto Insurance

• Builder’s Risk Insurance

• Equipment Coverage

We understand the unique risks contractors face and design policies to ensure you’re fully protected.

8. A Reputation Built on Client Satisfaction

Our clients love working with us—and they aren’t shy about saying so! Here are just five glowing reviews from our satisfied clients:

• “BGES Group is the best! Gary always responds immediately and provides solutions tailored to my business needs.”

• “I’ve been a client for over 10 years, and their service is second to none. Highly recommend!”

• “Gary’s expertise and personal attention make a world of difference. I wouldn’t trust anyone else with my business insurance.”

• “Fast, professional, and always available when I need them. BGES Group is a breath of fresh air in the insurance world.”

• “I switched to BGES Group after being let down by a large agency. Best decision I ever made!”

9. Competitive Pricing Without Compromising Coverage

Cost matters, especially for contractors working on tight budgets. At BGES Group, we provide competitive pricing while maintaining high-quality coverage. Whether you’re looking for workers’ compensation insurance, liability insurance, or other essential protections, we work to find the best value for your dollar.

10. A Trusted Partner in Navigating Labor Laws and Risks

New York labor laws, such as Labor Law 240 and Labor Law 241, can significantly impact your liability risks and insurance costs. Many brokers don’t have the expertise to navigate these complexities. At BGES Group, we specialize in helping contractors address these challenges, ensuring you’re protected from costly claims and lawsuits.

Why Choose BGES Group?

With nearly five decades of experience and a commitment to providing personalized service, BGES Group stands out as a leader in the construction insurance market. Unlike large, impersonal agencies, we treat every client like family, ensuring their business is well-protected and their needs are met promptly.

Contact Us Today!

Ready to experience the BGES Group difference? Contact Gary Wallach today at:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Don’t settle for less than the best. Choose BGES Group for all your construction insurance needs and discover the benefits of working with a dedicated, boutique agency.

Keywords to Help You Find Us

When searching for business insurance for contractors, construction insurance specialists, or workers’ compensation insurance, remember BGES Group. Whether you need general liability insurance, umbrella liability insurance, or workers’ comp, we’re your trusted partner in New York.

BGES Group: Where personalized service meets unmatched expertise. Call us today!

Obtaining the best liability insurance quotes requires more than a simple request for pricing. Contractors must be thorough in preparing and organizing specific documentation and information to ensure insurers can provide accurate and competitive quotes. Below is a checklist of what New York contractors need to put together:

Complete Contractor Questionnaire

A contractor questionnaire is essential. This document details the scope of your work, your safety practices, and your operational specifics, providing underwriters with a clear understanding of your business.

Insurance Policy Documentation

Prepare full copies (in PDF format) of your existing policies, including:

• General Liability Insurance

• Umbrella Liability Insurance

• Business Auto Insurance

• Workers’ Compensation Insurance

These documents allow insurers to evaluate your current coverage and identify any gaps or opportunities for improvement.

Owner Resumes

Provide resumes for the business owners. This demonstrates their qualifications, experience, and commitment to running a professional operation.

Subcontractor Information

If you subcontract work, include the following:

• Copies of subcontractors’ insurance and hold harmless agreements (Usually need from 2 of sub’s.)

• Corresponding certificates of insurance.

• Verification that subcontractors list your company as an additional insured and include waivers of subrogation.

• Evidence of contractual liability, primary and non-contributory coverage, and labor law coverages in their policies.

Safety Manual and Work Schedule

• Include the table of contents from your written safety manual to show commitment to workplace safety.

Loss Runs and Claims History

Request five years of currently valued loss runs for General Liability, Business Auto, and Workers’ Compensation insurance. These reports are critical for insurers to assess your claims history and evaluate risk.

Business Overview

Write a paragraph or two describing the type of work you do. Be specific about the services you provide, the industries you serve, and the safety protocols you follow. Highlight unique aspects of your business that set you apart from competitors.

Turn to BGES Group for Help

Organizing this information can be time-consuming, but it’s vital for securing competitive liability insurance quotes. For expert assistance, turn to BGES Group, one of New York’s construction insurance specialists.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to learn how BGES Group can help you get the right coverage at the best price.

Why Preparation Matters

Insurers value transparency and thoroughness. Providing a complete, well-organized package of information not only speeds up the quoting process but also positions your business as professional and low-risk, potentially leading to more favorable rates.

Key Search Terms for Better Online Visibility:

• Contractor insurance in New York

• Liability insurance for construction companies

• Workers’ compensation for contractors

• Subcontractor insurance requirements

• Best quotes for New York contractors

For comprehensive assistance with all your insurance needs, contact BGES Group today.

(Because Construction Is a Serious Business, But You Can Still Have Fun With It!)

Being a contractor is no walk in the park. You’re juggling projects, managing subcontractors, and keeping your clients happy—all while praying your general liability insurance holds up. To survive and thrive in the competitive world of construction, here are the 10 commandments contractors should live by:

1. Thou Shalt Read Every Contract (Even the Fine Print)

It’s tempting to skim and sign, but skipping the details is how lawsuits are born. Protect thyself and make sure every clause has been blessed by legal eyes. If something looks fishy, flag it faster than a safety inspector at an OSHA audit.

2. Thou Shalt Respect Thy Budget (And Thy Client’s Patience)

Going over budget is a fast track to angry phone calls and bad reviews. Be transparent about costs, and don’t underestimate—construction projects are already full of surprises without your “rounding down.”

3. Thou Shalt Not Overpromise and Underdeliver

“I’ll have this done in a week” is a phrase contractors often regret. Be realistic about timelines. Your clients will appreciate honesty more than excuses.

4. Thou Shalt Hire Subcontractors Wisely

Your subcontractors represent you, so vet them like you’re hiring a babysitter for your firstborn. Double-check their licenses, workers’ compensation insurance, and reliability before they set foot on your site.

5. Thou Shalt Always Have a Backup Plan (and Then a Backup for That Backup)

Nothing ever goes perfectly on a job site. Have contingencies for weather delays, material shortages, and the inevitable “uh-oh” moments.

6. Thou Shalt Invest in Quality Tools and Materials

A contractor is only as good as their tools. Don’t skimp on essentials just to save a buck. Cheap materials might win bids, but they’ll lose you long-term clients.

7. Thou Shalt Maintain a Safety-First Mentality

Hard hats, steel-toed boots, and proper signage aren’t just for show—they’re non-negotiable. Keep everyone safe so you don’t end up relying on your umbrella liability insurance more than you’d like.

8. Thou Shalt Keep Clients in the Loop

Even if things are going wrong, communicate! Clients can handle bad news better than they can handle being ghosted. Regular updates will turn stressed clients into loyal ones.

9. Thou Shalt Take Care of Thy Crew

Happy crews build better. Pay them fairly, feed them occasionally, and let them know their hard work doesn’t go unnoticed. A contractor is only as good as their team.

10. Thou Shalt Not Forget Insurance (For Thou Art Mortal)

Accidents happen, lawsuits arise, and machinery breaks. Proper coverage—like construction insurance—isn’t a luxury, it’s a necessity. Make sure you have everything from general liability insurance to workers’ compensation insurance squared away.

Why Choose BGES Group for Your Construction Insurance Needs?

At BGES Group, we specialize in helping contractors across the Tri-State area find tailored solutions for their insurance needs. Whether it’s workers’ compensation, general liability, or even umbrella liability insurance, we’ve got your back.

Our boutique-style service ensures you get personalized attention, competitive pricing, and expert guidance every step of the way. If you’re a contractor looking for construction insurance that works as hard as you do, give us a call today!

Contact Gary Wallach at BGES Group:

📞 914-806-5853

📧 bgesgroup@gmail.com

Secure your business and your peace of mind—because the only surprises on the job should be the ones that make your clients smile.

Thanksgiving is the perfect time to unwind, share laughs, and enjoy the company of friends and family. For New York contractors, humor can often be the best way to bond over the unique challenges of construction work. To help lighten the mood this holiday weekend, here are the 10 funniest construction jokes you can share around the table or on-site. Don’t worry—these are all lighthearted and industry-friendly!

1. Why did the construction worker bring a pencil to the party?

He wanted to draw some attention!

2. Why did the concrete mixer break up with his girlfriend?

He found her too clingy!

3. Why don’t construction workers ever get locked out of their houses?

Because they always have the right tools to break back in.

4. What’s a contractor’s favorite type of music?

Heavy metal!

5. Why did the hammer apply for a loan?

Because it wanted to nail a big deal!

Time for a Quick Reality Check!

As a contractor, you know that running a construction business isn’t just about hammers and hard hats—it’s about managing risks and protecting your livelihood. That’s where BGES Group comes in.

BGES Group specializes in construction insurance, including workers’ compensation insurance and contractor insurance tailored to New York contractors. With personalized service and decades of expertise, we help contractors secure the best coverage at competitive prices. Whether you need General Liability, Umbrella Liability, or Workers’ Compensation, BGES Group is the team you can trust to protect your business.

Ready to build a stronger future for your business? Call Gary Wallach today at 914-806-5853 or email bgesgroup@gmail.com!

6. Why did the builder take a ladder to the bar?

Because he heard the drinks were on the house!

7. Why do construction workers make great musicians?

Because they’re pros at hitting the right notes—and sometimes nails!

8. What’s a contractor’s favorite dessert?

Brickle!

9. Why don’t electricians ever get shocked?

Because they know how to conduct themselves!

10. What do you call a construction worker with perfect attendance?

A sure bet for the job site!

Share the Laughs—and Protect Your Business

This Thanksgiving, enjoy the company of family and friends, but don’t forget about the business that supports your life. With rising costs and risks in the construction industry, having the right insurance is more important than ever.

At BGES Group, we’re here to make your insurance needs hassle-free. Whether you’re a contractor, roofer, or involved in other high-risk trades, our team will guide you to the best policies for your business, so you can focus on what matters—building.

Contact BGES Group Today!

Gary Wallach and the team at BGES Group are ready to help you find construction insurance, contractor insurance, and workers’ compensation insurance designed for your needs.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Let’s build something great together!

This Thanksgiving, keep the jokes coming—and let BGES Group keep you covered.

Running a contracting business in New York is no small feat. The unique challenges of the construction industry, combined with complex insurance requirements, make having a reliable and expert partner crucial. That’s where BGES Group steps in. Using the acronym CONTRACTOR, here’s why New York contractors trust BGES Group for their business insurance needs:

C – Comprehensive Coverage

BGES Group offers an extensive range of insurance solutions tailored to meet the specific needs of contractors. From Workers’ Compensation to General Liability, Umbrella Liability, and Builders Risk Insurance, BGES Group ensures no gap is left in your coverage. Whether you’re a small subcontractor or a large general contractor, BGES Group’s expertise ensures that your business is fully protected.

O – Outstanding Expertise

With decades of experience in the insurance industry, BGES Group has built a reputation for being a trusted advisor for New York contractors. Gary Wallach, the insurance veteran leading BGES Group, knows the ins and outs of construction insurance. His deep understanding of state regulations, labor laws, and industry-specific risks makes BGES Group a go-to choice for contractors who want the best.

N – Navigating Labor Law Risks

New York’s Labor Laws 240 and 241 present significant challenges for contractors. These laws make contractors liable for injuries sustained by workers on construction sites, often leading to expensive lawsuits. BGES Group specializes in securing policies that include labor law coverage, protecting contractors from these high-stakes claims. They’ll help you understand and mitigate the risks, ensuring you’re never caught unprepared.

T – Tailored Solutions

BGES Group doesn’t believe in one-size-fits-all insurance plans. They take the time to understand your business and design coverage plans that address your specific needs. Whether you’re a roofer, demolition contractor, or general contractor, BGES Group creates personalized insurance programs that fit your operations and budget.

R – Risk Management Support

Beyond just selling insurance, BGES Group acts as a partner in managing risk. They provide insights and strategies to help reduce workplace injuries, avoid costly claims, and maintain a safer work environment. Their proactive approach ensures that your premiums remain competitive and your business stays operational even in challenging times.

A – Affordable Pricing

BGES Group understands the financial pressures contractors face. They leverage their network of carriers and industry expertise to secure competitive rates without compromising on coverage quality. Whether you’re looking for lower premiums or need to find coverage after a non-renewal, BGES Group’s ability to negotiate on your behalf ensures you get the best value for your money.

C – Claims Assistance

Filing and managing insurance claims can be a daunting process. BGES Group is there for you every step of the way, providing expert claims assistance to ensure timely and fair settlements. They handle the complexities, so you can focus on what you do best—running your business.

T – Timely Responses

Construction moves fast, and so do BGES Group’s services. When you have questions, need a certificate of insurance, or face an urgent situation, their team is quick to respond. Their commitment to prompt and reliable communication ensures your needs are always met on time.

O – Outstanding Customer Reviews

Don’t just take our word for it—BGES Group’s stellar reputation is backed by glowing reviews from contractors across New York. Here’s what some of their satisfied clients have to say:

1. “BGES Group has been a lifesaver for our contracting business. They secured coverage we couldn’t find elsewhere and made the process seamless.”

2. “Gary Wallach and his team are amazing! Their expertise in construction insurance is unmatched, and their service is exceptional.”

3. “I recommend BGES Group to every contractor I know. They saved us money and provided better coverage than our previous broker.”

4. “Navigating labor law coverage was a nightmare until we found BGES Group. Now, we feel secure knowing they’ve got our back.”

5. “The team at BGES Group is always responsive and professional. I can’t imagine working with anyone else.”

R – Reliable Partnerships

BGES Group doesn’t just provide insurance; they build long-lasting relationships. Contractors who work with BGES Group know they have a partner who is invested in their success. Whether it’s navigating market changes, managing renewals, or finding solutions for unique challenges, BGES Group is a trusted ally you can count on year after year.

Conclusion

As a contractor, your business insurance is more than just a requirement—it’s a foundation for your peace of mind and success. With BGES Group, you get a partner who understands your challenges, provides comprehensive solutions, and delivers unmatched service. From navigating labor laws to managing claims, BGES Group stands out as New York’s top choice for construction insurance.

Contact BGES Group Today

Ready to take your insurance to the next level? Contact Gary Wallach and the BGES Group team today for expert guidance and personalized service.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Don’t wait—secure your business’s future with the experts at BGES Group. Reach out now!

As a New York contractor, your business depends on having the right insurance coverage to protect against potential risks. But many contractors are learning the hard way that not all insurance agencies are created equal. A growing number of firms operate like large, impersonal factories—pushing policies out the door without offering the care and attention you deserve.

These factory-like insurance agencies can create unnecessary headaches and risks for your business. Here are the most common issues contractors face when working with these agencies, and why turning to BGES Group could save you time, money, and frustration.

The Problems with Factory-Like Insurance Agencies

1. Incompetent Account Servicing

Many factory-like insurance agencies hire inexperienced or undertrained staff to manage accounts. This often results in major errors, including:

• Misclassifying your business operations, leading to higher premiums.

• Failing to include key coverages like labor law insurance for New York contractors.

• Overlooking additional insured requirements that protect general contractors and project owners.

Would you trust someone inexperienced to manage a critical aspect of your business? Probably not—but that’s exactly what you may be dealing with if your insurance is with one of these agencies.

2. High Employee Turnover

These agencies are plagued by frequent employee turnover. The person managing your account today may be gone tomorrow, leaving you to explain your business needs all over again to someone new. This instability can lead to mistakes, delays, and a lack of accountability.

3. No Policy Checks for Mistakes

Factory-style agencies rarely review policies in detail. This means critical errors can go unnoticed, such as:

• Missing endorsements that could leave you exposed to liability.

• Incorrect limits for high-risk construction projects.

• Gaps in general liability and umbrella liability insurance coverage.

Mistakes like these can cost your business tens of thousands—or even millions—of dollars in claims or legal disputes.

4. Exorbitant Policy Fees

Many of these agencies tack on big policy fees on top of your already high insurance premiums. These fees, often buried in the fine print, can add up to thousands of dollars annually. For many contractors, these unnecessary costs “suck the life out of you.”

5. Terrible Customer Service

Waiting hours—or even days—for a return call or email is standard with these agencies. In the fast-paced world of construction, this lack of responsiveness can delay your projects, create compliance risks, and cost you money.

The BGES Group Difference

If you’re tired of being mishandled by these factory-like agencies, it’s time to consider BGES Group. We operate like a boutique specialty shop—offering the personalized service and expertise your business deserves.

1. A Mom-and-Pop Approach

At BGES Group, you’ll work with one dedicated expert who knows your business inside and out. No bouncing around between representatives. No repeating yourself every time you call. Just consistent, reliable service from someone who’s always there for you.

2. No Crazy Fees

We believe in transparency and fairness. With BGES Group, you’ll never pay outrageous policy fees. What you see is what you get—no surprises.

3. Immediate Access to Expertise

When you call Gary Wallach at BGES Group, you’ll get him on the phone—right away. No waiting hours or days for a response. You’ll have a direct line to an expert who can answer your questions, resolve issues, and ensure your policies are exactly what you need.

4. Accurate Policies, Zero Errors

Our team specializes in construction insurance and takes the time to thoroughly review your policies. We ensure you’re covered for:

• Workers’ compensation insurance tailored for contractors.

• General liability and umbrella liability insurance with the right endorsements.

• Labor law coverage for Labor Law 240 and 241 compliance.

• Primary and non-contributory coverage for subcontractors.

5. Specialized Programs for Contractors

BGES Group offers exclusive programs designed for New York contractors, including those in higher-risk industries like roofing, demolition, and asbestos abatement.

Stop Overpaying for Subpar Service

Your insurance should protect your business—not create additional headaches. With BGES Group, you’ll get boutique-level service, competitive pricing, and the peace of mind that comes from knowing your coverage is in expert hands.

Contact BGES Group Today

If you’re ready to leave behind the frustrations of factory-like insurance agencies, call Gary Wallach at BGES Group today.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Make the switch to a firm that truly values your business. Experience the difference of working with a team that treats you like family—not just another account.

Why BGES Group is the Best Choice for Construction Insurance

If you’re a New York contractor searching for reliable, responsive, and affordable insurance, the choice is clear: BGES Group. Contact us today and see how we can transform the way you manage your coverage.

Late workers’ compensation claims with no witnesses, no notice, and no documentation can be frustrating and costly for employers. If you are a New York employer facing such a scenario, there are actionable steps you can take to contest these claims effectively. This article will guide you through the process of challenging these questionable claims at the New York Workers’ Compensation Board and protecting your business.

Understand the Workers’ Compensation System in New York

In New York, workers’ compensation laws provide employees with benefits for workplace injuries or illnesses. However, the system also imposes specific reporting requirements and burden-of-proof standards to protect employers from fraudulent or unfounded claims. Here are some critical rules to be aware of:

1. Notice Requirement: Employees must notify their employer of a workplace injury within 30 days of the incident.

2. Filing Deadlines: Employees generally have up to two years to file a claim with the New York Workers’ Compensation Board.

3. Proof of Injury: Employees bear the burden of proving that their injury occurred at work and is compensable under workers’ compensation laws.

Key Issues with Late Claims

When an employee files a workers’ compensation claim months later, without notifying you and without witnesses, red flags should go up. Late claims are problematic for several reasons:

• Lack of Documentation: Without timely notice, employers cannot investigate the incident or gather evidence.

• No Witnesses: Claims without corroboration from coworkers are harder to verify.

• Potential Fraud: Delays in reporting may suggest the injury occurred outside of work.

Steps to Fight a Late Workers’ Compensation Claim in New York

If you believe a claim is suspicious or lacks merit, take the following steps:

1. Gather Evidence

Start by collecting all relevant evidence to counter the employee’s claim:

• Time Records: Verify whether the employee was present at work on the alleged injury date.

• Surveillance Footage: Review any video recordings from the workplace.

• Witness Statements: Interview coworkers who were present around the time of the alleged injury.

• Incident Reports: Document whether the injury was reported or observed by anyone at the time.

2. Investigate the Claim Thoroughly

Conduct an internal investigation to identify inconsistencies in the employee’s account. Questions to consider:

• Was the injury reported to anyone at work?

• Did the employee seek medical attention right away?

• Does the injury align with their job duties?

3. Report to Your Insurance Carrier

Notify your workers’ compensation insurance carrier about the claim as soon as possible. Provide them with all the evidence you’ve gathered and explain why you believe the claim is unfounded. Your carrier may conduct its own investigation to strengthen your defense.

4. Challenge the Claim at the Workers’ Compensation Board

You have the right to dispute the claim through the New York Workers’ Compensation Board. To do this:

• File a Controverted Claim: Indicate that you contest the claim by submitting a Form C-7.

• Present Evidence: During hearings, present documentation, surveillance, and testimony to refute the employee’s allegations.

• Request a Medical Examination: Insist on an independent medical exam (IME) to determine the validity of the injury.

5. Consult with Legal Counsel

An experienced workers’ compensation attorney can help you navigate the legal process and ensure your rights are protected. They can represent your case during hearings and provide advice on complying with New York labor laws.

Common Defenses Against Late Workers’ Compensation Claims

To successfully contest a claim, you’ll need to provide strong arguments. Here are some common defenses:

1. Failure to Provide Timely Notice: If the employee didn’t notify you within 30 days, argue that this delay prevented you from investigating the injury.

2. No Witnesses: Point out the lack of corroborating testimony from coworkers.

3. Inconsistent Statements: Highlight any discrepancies in the employee’s account of the injury.

4. Evidence of Non-Work-Related Injury: Show proof that the injury may have occurred outside of work (e.g., social media posts, medical records).

5. Preexisting Condition: Argue that the injury is related to a preexisting condition rather than workplace activity.

Preventing Late Workers’ Compensation Claims

To minimize the risk of late and fraudulent claims, adopt proactive measures:

1. Create a Clear Reporting Policy

Ensure all employees know they must report workplace injuries immediately. Post reminders in breakrooms and include policies in employee handbooks.

2. Train Supervisors

Train your management team to handle injury reports properly and document incidents promptly.

3. Maintain Accurate Records

Keep detailed records of employee attendance, job duties, and any reported incidents.

4. Install Surveillance Cameras

Video footage can be invaluable for confirming or disputing injury claims.

5. Partner with a Workers’ Compensation Specialist

Working with a workers’ compensation insurance expert can help you identify risks, ensure compliance, and manage claims effectively.

The Role of BGES Group in Supporting Employers

If you’re a New York, New Jersey, or Connecticut employer dealing with workers’ compensation challenges, consider partnering with BGES Group, one of the Tri-State area’s top workers’ compensation specialists.

BGES Group offers:

• Tailored Insurance Solutions: Customized policies to meet the unique needs of your business.

• Expert Guidance: Decades of experience navigating complex workers’ compensation laws.

• Claims Support: Assistance in challenging questionable claims and minimizing costs.

For a consultation or to discuss your workers’ compensation insurance needs, contact Gary Wallach at BGES Group today.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

By taking the right steps to contest late workers’ compensation claims, you can protect your business from unnecessary costs while ensuring compliance with New York labor laws. And when you need expert support, BGES Group is here to help. Call or email us today to learn more about our services and how we can provide peace of mind for your business.

Receiving a penalty bill from New York State for failing to carry workers’ compensation insurance can be alarming and financially daunting. As a New York employer, if you have employees on your payroll, state law mandates that you maintain workers’ compensation coverage at all times. Failing to do so can result in significant fines, penalties, and even legal action. If you’ve received such a notice, don’t panic—there are steps you can take to mitigate the fine and get back on track.

In this article, we’ll walk you through the process of handling this situation, highlight the importance of workers’ compensation insurance, and introduce BGES Group as a reliable partner to help you secure the coverage you need.

Why Employers Are Penalized for Lapsed Workers’ Compensation Insurance

In New York State, employers must provide workers’ compensation coverage to protect employees in case of a work-related injury or illness. If an employer neglects to obtain or maintain this insurance, the state imposes penalties to ensure compliance. These penalties can include:

1. Daily Fines: Employers are charged up to $2,000 for every 10 days of non-compliance.

2. Backdated Premiums: The state may require employers to pay the equivalent of what they would have paid in workers’ comp insurance premiums during the lapsed period.

3. Legal Action: Non-compliance can lead to lawsuits or injunctions against your business.

Steps to Mitigate the Fine

Here are the critical steps you should take if you’ve received a penalty bill for not having workers’ compensation insurance:

1. Review the Notice Thoroughly

Carefully read the penalty notice to understand the specifics of the charges. Determine the duration of the non-compliance and the amount owed. Mistakes can occur, so ensure the information is accurate.

2. Gather Evidence of Compliance

If you believe there has been an error and you had coverage during the period in question, gather documentation such as:

• Workers’ compensation insurance policies

• Payment records

• Correspondence with your insurer

Submit this evidence to the New York State Workers’ Compensation Board to dispute the fine.

3. Contact the New York State Workers’ Compensation Board

Reach out to the New York State Workers’ Compensation Board to discuss your case. Be proactive and cooperative—demonstrating your willingness to resolve the issue can sometimes result in a reduced fine.

4. Obtain Retroactive Coverage if Possible

Some insurers offer retroactive workers’ compensation insurance policies, which can cover gaps in coverage. While this won’t eliminate your fine, it can demonstrate good faith to the state and potentially reduce penalties.

5. Work with a Specialist to Get a New Policy

To avoid future issues, partner with an experienced workers’ compensation insurance broker to secure a comprehensive policy. Agencies like BGES Group specialize in helping New York businesses find tailored workers’ compensation policies at competitive rates.

Why You Shouldn’t Delay

Ignoring a penalty bill or delaying action can worsen the situation. The fines will continue to accrue daily, and unresolved issues may lead to legal consequences. Additionally, operating without workers’ compensation insurance puts your employees at risk and your business in violation of state laws.

How BGES Group Can Help

If you’ve been penalized for lapsed workers’ compensation insurance, BGES Group is here to help. As one of the Tri-State area’s leading specialists in workers’ compensation insurance, they can:

• Assess your specific situation and recommend the best course of action.

• Help you secure affordable and comprehensive workers’ comp insurance policies tailored to your business needs.

• Provide ongoing support to ensure you remain compliant with New York State laws.

With BGES Group, you’re not just purchasing an insurance policy—you’re gaining a trusted partner who understands the complexities of the New York business landscape.

Contact BGES Group Today

Don’t let a lapse in workers’ compensation insurance jeopardize your business. Contact BGES Group now for expert guidance and personalized service.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

The Importance of Workers’ Compensation Insurance

Having workers’ compensation insurance isn’t just a legal requirement—it’s a critical component of running a safe and responsible business. Here are some key benefits:

1. Employee Protection: Covers medical expenses and lost wages for employees injured on the job.

2. Legal Compliance: Avoids fines and penalties for non-compliance with New York State laws.

3. Business Continuity: Protects your business from costly lawsuits arising from workplace injuries.

4. Reputation Management: Demonstrates to employees and clients that you prioritize safety and compliance.

Tips to Prevent Future Penalties

Once you’ve resolved your current issue, take steps to ensure you never face another penalty:

1. Work with a Reliable Broker: Partner with a specialist like BGES Group to monitor your coverage and address gaps proactively.

2. Review Policies Annually: Regularly evaluate your workers’ compensation policy to ensure it meets your business needs.

3. Automate Payments: Set up automatic premium payments to avoid missed deadlines.

4. Educate Yourself: Stay informed about New York State’s workers’ comp insurance requirements and updates.

Real-Life Example

Consider a small construction company in New York that inadvertently allowed its workers’ compensation insurance to lapse for three months. The company was hit with a $20,000 penalty from the New York State Workers’ Compensation Board. By partnering with BGES Group, they were able to:

• Dispute a portion of the fine with accurate documentation.

• Obtain retroactive coverage to minimize penalties.

• Secure a new, affordable workers’ comp insurance policy, ensuring compliance moving forward.

Don’t Wait—Take Action Now

If you’ve received a penalty bill for lapsed workers’ compensation insurance, time is of the essence. Take the necessary steps to mitigate the fine, secure coverage, and prevent future issues.

Contact BGES Group today at 914-806-5853 or bgesgroup@gmail.com. Visit www.bgesgroup.com to learn more about how they can help your business stay compliant and protected.

By taking immediate action and partnering with experts, you can resolve the issue and focus on what matters most—growing your business.