New York contractors operate in one of the most challenging insurance environments in the country. One critical and often misunderstood aspect of construction insurance is labor law coverage under general and umbrella liability policies. Labor Laws 240 and 241, also known as the “Scaffold Law,” place absolute liability on contractors and property owners for worker injuries related to falls or falling objects, regardless of fault. This unique legal framework drives up the cost of liability insurance in New York, creating significant challenges for contractors.

The Cost Impact of Labor Law Coverage

Including labor law coverage under general and umbrella liability policies can substantially increase a contractor’s insurance premium. Insurers view the absolute liability imposed by Labor Laws 240 and 241 as a significant risk. Consequently, policies that include labor law coverage often come with higher rates, stricter underwriting, and limited options.

For many contractors, securing labor law coverage isn’t just a recommendation—it’s a requirement. Most general contractors and project owners mandate that their subcontractors carry labor law coverage as part of their general and umbrella liability insurance. Failing to comply with these requirements can result in losing lucrative contracts or being disqualified from bidding on projects.

Examples of Claims Covered by Labor Law Coverage

1. Fall from a Ladder

A subcontractor’s employee falls from a ladder while working on a project site. Even if the fall was due to the worker’s negligence, the general contractor and project owner could still be held liable under Labor Law 240. Labor law coverage would step in to cover the damages and legal costs.

2. Injury from a Falling Object

A construction worker is struck by a falling tool while working on scaffolding. Despite safety protocols being followed, the general contractor and property owner could face liability under Labor Law 241. Labor law coverage would provide protection in this scenario.

3. Scaffolding Collapse

A scaffolding collapse causes injuries to several workers on-site. Labor Law 240 makes the general contractor and project owner strictly liable for the injuries, even if the subcontractor was responsible for setting up the scaffolding. Labor law coverage would handle the claims and associated legal costs.

Why General Contractors and Owners Require Labor Law Coverage

Most general contractors and property owners include strict insurance requirements in their contracts to protect themselves from labor law claims. These requirements typically mandate that subcontractors:

• Include labor law coverage in their liability policies.

• List the general contractor and property owner as additional insureds.

• Provide primary and non-contributory coverage to the general contractor and owner.

Without meeting these requirements, subcontractors risk losing contracts and tarnishing their reputation in the industry.

How BGES Group Can Help

Navigating New York’s complex insurance landscape is no easy task, but BGES Group specializes in providing tailored solutions for contractors. As construction insurance experts, BGES Group understands the unique challenges posed by labor law coverage and works to help contractors secure policies that offer comprehensive protection at competitive pricing.

BGES Group’s boutique approach ensures personalized service. Whether you’re a general contractor or a subcontractor, BGES Group can guide you through the process of obtaining the right coverage to meet your contractual obligations and protect your business.

Contact BGES Group Today

Don’t let the complexities of labor law coverage jeopardize your projects or your bottom line. Contact Gary Wallach at BGES Group to discuss your insurance needs:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Let BGES Group help you secure the coverage you need to succeed in New York’s competitive construction industry.

Has your workers’ compensation premium skyrocketed due to a high experience modification factor (EMR)? A string of bad luck, such as workplace injuries or claims, can drastically impact your EMR, resulting in higher premiums that strain your business budget. But don’t worry—there are strategies to regain control over your costs, and we’re here to help.

At BGES Group, we specialize in workers’ compensation insurance solutions. Whether you’re a contractor, manufacturer, trucker, or operate in any other industry, our expertise allows us to guide you to the most effective cost-saving options. One potential way to lower your premiums is by utilizing a professional employer organization program (PEO). While we won’t delve into specifics here, we’ll highlight the benefits of these programs and how they can be game-changers for your business.

10 Benefits of Having Your Workers’ Compensation Through a Specialized Program

1. Significant Cost Savings: Specialized programs often have access to better rates due to economies of scale, which can result in lower premiums.

2. Improved Cash Flow: Instead of paying large upfront premiums, many programs offer pay-as-you-go options that align payments with your payroll.

3. Streamlined Claims Management: A dedicated team handles claims efficiently, reducing downtime and unnecessary costs.

4. Access to Risk Management Experts: Programs often provide risk assessments and safety training to help prevent future incidents.

5. Compliance Assistance: Staying compliant with state-specific workers’ compensation laws is easier with expert guidance.

6. Reduced Administrative Burden: The program takes care of tasks like payroll reporting and audit preparation, freeing up your time to focus on growing your business.

7. Improved Employee Benefits: Many programs include additional benefits for employees, making your workplace more attractive to top talent.

8. Expert Claims Resolution: Disputes and fraud detection are handled by professionals, potentially saving your business thousands of dollars.

9. Customized Coverage Options: Programs can tailor policies to fit the unique needs of your industry and workforce.

10. Nationwide Availability: These programs often have the flexibility to serve businesses across the United States, ensuring consistent coverage as you grow.

Why Work with BGES Group?

At BGES Group, we understand the challenges businesses face when navigating workers’ compensation insurance. Servicing the Tri-State area—New York, New Jersey, and Connecticut—we are proud to offer personalized service and tailored solutions that meet the unique needs of your business.

In addition to serving the Tri-State area, we are associated with a trusted organization that can assist businesses nationwide. No matter where your company operates, we can connect you with programs designed to help you save money and optimize your workers’ compensation coverage.

How We Can Help

If your EMR is driving up your costs, let us explore strategies to help you:

• Analyze your claims history to identify and mitigate recurring risks.

• Recommend cost-effective insurance programs that lower your premiums.

• Provide risk management solutions that prevent future incidents and claims.

• Guide you through the complexities of workers’ compensation compliance in your state.

Why Choose BGES Group?

We are not just insurance brokers; we are workers’ compensation specialists dedicated to ensuring your business thrives, even after facing challenges like increased premiums. With decades of experience, we offer:

• Boutique-like service tailored to your specific needs.

• Competitive pricing that helps keep your costs manageable.

• Access to top-rated programs and carriers across the country.

Contact Us

If you’re ready to explore ways to lower your workers’ compensation premiums, contact Gary Wallach at BGES Group today.

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Website: www.bgesgroup.com

Don’t let a high EMR drain your budget. Let BGES Group help you take control of your workers’ compensation insurance costs and set your business on a path to success.

As a New York contractor, securing the right insurance coverage is essential to protect your business, employees, and assets. However, navigating the complexities of insurance policies can be overwhelming, especially without the right broker by your side. Choosing a broker who understands the unique challenges of your industry can make all the difference.

At BGES Group, Gary Wallach and his team pride themselves on providing unparalleled service and expertise tailored to New York contractors. Here’s why BGES Group stands out as one of the best brokers to work with for your business insurance needs.

Would You Like to Work With a Broker Who:

* Has 44 years of experience insuring New York contractors – Gary Wallach has been in the industry for over four decades, specializing in helping contractors secure the right insurance coverage. His experience ensures that you’ll work with someone who understands the unique risks and challenges you face.

* Answers their phone when you call – No more waiting endlessly for a callback or struggling to get in touch. BGES Group believes in accessibility and promptly answers calls to address your concerns and questions.

* Markets your account to ensure you get good coverage and competitive rates – BGES Group actively shops your account to find the best combination of comprehensive coverage and competitive pricing, giving you peace of mind and value for your money.

* Checks your policy to make sure everything is in order – Many brokers fail to thoroughly review policies, leading to gaps in coverage. BGES Group ensures your policies are accurate and up to date, protecting you from potential oversights.

* Reviews your account and makes coverage recommendations – Your insurance needs may change over time. BGES Group regularly reviews your account to recommend necessary adjustments, ensuring your coverage keeps pace with your growing business.

* Gets you your certificates in minutes – Timely access to certificates of insurance is crucial for contractors. BGES Group provides these quickly, so your projects stay on schedule without unnecessary delays.

* Is there for you even on weekends when you need help with anything – Emergencies don’t follow a 9-to-5 schedule. BGES Group is available on weekends to assist with any urgent issues or questions you might have.

* Doesn’t charge ridiculous exorbitant policy or service fees – At BGES Group, fair pricing is a core value. You won’t be hit with hidden fees or excessive charges for their services.

* Puts people before money and builds long-term relationships based on trust – BGES Group is committed to putting your needs first, fostering relationships that go beyond transactions. Trust and reliability are at the heart of their approach.

* Knows how to talk to people, is rock-solid reliable, and approachable – Working with BGES Group means working with real people who understand your challenges. Gary and his team are dependable and easy to talk to, making the process smooth and stress-free.

* Offers mom-and-pop boutique-like service – If you value personalized service over being treated like just another account, BGES Group’s boutique-style approach will resonate with you.

* Doesn’t operate like a factory and knows your account personally – Unlike large agencies that operate on volume, BGES Group takes the time to know you and your business. You’ll receive personalized attention and solutions tailored to your needs.

Comprehensive Coverage Options Offered by BGES Group

BGES Group offers a wide range of insurance coverages designed to meet the diverse needs of contractors, including:

* Property, Tools, and Equipment Insurance

Protects your valuable equipment and tools against damage or theft, ensuring minimal disruption to your operations.

* Builder’s Risk Insurance

Covers structures under construction from unforeseen events such as fire, vandalism, or weather-related damage.

* General Liability Insurance

Shields your business from third-party claims of bodily injury, property damage, or personal injury, safeguarding your reputation and finances.

* Umbrella Liability Insurance

Provides additional liability coverage above and beyond your existing policies, offering extra protection for high-cost claims.

* Business Auto Insurance

Covers vehicles used in your business operations, including accidents, theft, and damage.

* Workers’ Compensation Insurance

Ensures your employees are covered in case of work-related injuries or illnesses, keeping your business compliant with state laws.

* New York State Disability Insurance

Provides short-term disability benefits to employees unable to work due to non-work-related injuries or illnesses.

* Group Health Insurance

Offers affordable health insurance options for your employees, promoting a healthier and more productive workforce.

* Bid and Performance Bonds

Guarantees project completion and compliance with contractual obligations, enhancing your credibility with clients.

Why Choose BGES Group?

At BGES Group, you’re not just another policyholder—you’re a valued partner. Gary Wallach and his team work tirelessly to ensure that your insurance needs are met with precision, professionalism, and care. With their deep industry knowledge, personalized service, and commitment to your success, BGES Group has earned its reputation as a trusted ally for New York contractors.

Contact BGES Group Today

Ready to experience the difference of working with a broker who truly understands your business? Contact Gary Wallach at BGES Group to discuss your insurance needs:

            •             Phone: (914) 806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Don’t settle for less when it comes to protecting your contracting business. Partner with BGES Group and gain peace of mind knowing you’re in capable hands.

As a contractor in New York, navigating the maze of liability insurance and workers’ compensation coverage can feel overwhelming. With rising costs, legal requirements, and a multitude of providers, finding the right coverage at the right price is essential to your business’s success and compliance. But are you aware of all your options? Understanding how to optimize your insurance program could mean substantial savings and enhanced protection for your business.

That’s where BGES Group comes in. As New York construction insurance specialists, we’re dedicated to helping contractors like you find better coverage and reduce costs. Whether you’re a general contractor, subcontractor, or business owner in construction-related fields, our team is here to guide you through your options and tailor solutions to meet your needs.

Why Reassess Your Insurance Coverage?

The construction industry is inherently risky, and the insurance market is constantly changing. Recent trends have made obtaining affordable, comprehensive coverage more challenging than ever. Rising liability claims, labor laws such as New York Labor Law 240 and 241, and market exits by major insurers have left many contractors searching for alternatives.

By reassessing your insurance program, you can:

• Ensure compliance with legal requirements.

• Protect yourself from lawsuits and financial ruin.

• Potentially reduce premium costs.

• Gain access to better coverage through specialized programs.

How BGES Group Can Help New York Contractors

At BGES Group, we understand the unique challenges New York contractors face when it comes to insurance. As industry experts, we specialize in providing comprehensive workers’ compensation insurance and general liability insurance for contractors.

Here’s how we can help:

1. We Offer Four Workers’ Compensation Programs

No matter your business size or needs, we have a program that works for you:

• Standalone Workers’ Compensation Policies: Ideal for contractors who want a straightforward solution to meet state requirements.

• Payroll Workers’ Compensation Policies: Simplify your operations with pay-as-you-go workers’ comp tied to your payroll.

• Comprehensive Programs: Combine workers’ compensation, payroll services, and group health benefits into one seamless package.

• State Programs: For those eligible, we help you access state-run workers’ compensation options.

We also work with a few new companies offering competitive rates, so you’ll always have access to the best options available.

2. Specialized Liability Coverage for Contractors

Our expertise in construction liability insurance ensures you get the protection you need, including:

• General Liability Insurance: Protects your business from third-party claims involving bodily injury or property damage.

• Umbrella Liability Policies: Offers additional coverage to safeguard your business from catastrophic losses.

With labor laws and high litigation risks, having the right liability coverage is critical for protecting your bottom line.

3. Access to New Insurance Markets

We stay ahead of the curve by working with new and emerging insurance providers offering competitive rates. This ensures you have access to the latest and most cost-effective solutions in the market.

4. Custom Solutions Tailored to Your Needs

Every contractor’s needs are different. We take the time to assess your business and recommend a customized insurance program that aligns with your risk profile, operations, and budget.

5. Boutique-Like Service with a Focus on Savings

We pride ourselves on delivering personalized, boutique-style service. Unlike large agencies, we give you direct access to experienced professionals who understand New York’s construction insurance market inside and out. Our goal is to help you save money while improving your coverage.

Why Choose BGES Group?

BGES Group has earned a reputation as one of New York’s leading providers of construction insurance solutions. Our expertise, extensive market access, and commitment to customer satisfaction make us the go-to partner for contractors looking to secure better coverage at competitive rates.

What Sets Us Apart?

• Over 44 of experience in the construction insurance industry.

• Tailored insurance programs designed for New York contractors.

• Access to multiple carriers, including those offering new and competitive rates.

• Focused expertise in high-risk industries, including roofing, demolition, and asbestos.

Contact Us Today

If you’re a New York contractor looking to explore your options for workers’ compensation insurance, liability coverage, or a combination of services, BGES Group is here to help.

Call or email us today to get started:

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Take control of your insurance program and ensure your business is fully protected while saving on costs. Contact BGES Group today and experience the difference of working with New York construction insurance specialists!

In the fast-paced construction industry, New York contractors face a multitude of challenges, with high workers’ compensation premiums being one of the most significant. Often, contractors unknowingly overpay on these premiums due to errors in audits, misclassifications, or improper payroll reporting. Recovering these overpayments can lead to substantial financial relief, allowing contractors to reinvest in their business, hire more staff, or improve their operations.

This article explores the process of workers’ compensation premium recovery, provides five hypothetical examples of potential savings, and highlights how BGES Group can assist New York contractors in reclaiming their money.

Understanding Workers’ Compensation Premium Recovery

Workers’ compensation premiums are calculated based on several factors, including job classifications, payroll, and experience modification rates (EMRs). Errors in any of these areas can lead to overpayments. Unfortunately, many contractors are unaware of these mistakes, leaving significant amounts of money unclaimed.

Premium recovery is the process of identifying and correcting these errors, often resulting in refunds for overpaid amounts. While the process can be complex, insurance experts like BGES Group specialize in helping contractors navigate these issues and recover their rightful funds.

Five Hypothetical Examples of Premium Recovery

Here are five examples that demonstrate how much contractors could potentially recover by addressing workers’ compensation premium errors:

1. General Contractor – $50,000 Recovered

A general contractor was audited and charged for subcontractors without proper certificates of insurance. Upon review, it was discovered that many subcontractors had their own valid workers’ compensation policies. Correcting these errors led to a $50,000 refund.

2. Roofing Contractor – $75,000 Recovered

A roofing contractor had employees misclassified under a higher-risk job code, resulting in inflated premiums. After a detailed audit, the correct classification was applied, and the contractor received a refund of $75,000.

3. Electrical Contractor – $35,000 Recovered

An electrical contractor’s payroll was inaccurately reported to include non-covered employees, such as clerical staff. Correcting this mistake resulted in a $35,000 refund from their insurer.

4. Demolition Contractor – $90,000 Recovered

A demolition contractor discovered that their EMR was calculated incorrectly due to an error in their claim history. With BGES Group’s assistance, the error was corrected, leading to a $90,000 recovery.

5. HVAC Contractor – $40,000 Recovered

An HVAC contractor overpaid premiums due to discrepancies in audit reports from previous years. A comprehensive review revealed the errors, and the contractor received a $40,000 refund.

These examples highlight how much money contractors can reclaim by addressing workers’ compensation premium errors.

How BGES Group Can Help

BGES Group is a trusted name in the insurance industry, offering specialized services to contractors in New York, New Jersey, and Connecticut. They are particularly skilled in helping contractors manage workers’ compensation insurance and recover overpaid premiums.

Here’s why BGES Group stands out:

1. Workers’ Compensation Expertise

With decades of experience, BGES Group understands the complexities of workers’ compensation insurance. They know where to look for errors and how to resolve them effectively.

2. Comprehensive Insurance Solutions

In addition to workers’ compensation, BGES Group offers a range of insurance products, including general liability, umbrella liability, payroll services, and group health insurance.

3. Proactive Premium Recovery

BGES Group conducts detailed audits of clients’ policies and premium calculations to uncover errors and recover overpayments. Their proactive approach ensures contractors aren’t leaving money on the table.

4. Specialized Programs for High-Risk Contractors

BGES Group has programs tailored to contractors in high-risk industries, such as roofing, demolition, and asbestos removal. These programs are designed to provide optimal coverage at competitive prices.

5. Boutique-Style Service

BGES Group prides itself on offering personalized service. They work closely with contractors to understand their unique needs and provide tailored solutions.

The Premium Recovery Process

The process of recovering workers’ compensation premiums involves several steps, which BGES Group handles on behalf of their clients:

1. Policy and Audit Review

BGES Group begins by reviewing current and past workers’ compensation policies and audits. They analyze payroll reports, job classifications, and subcontractor information for discrepancies.

2. Error Identification

Their experts identify errors such as misclassifications, incorrect payroll reporting, or invalid subcontractor charges.

3. Documentation Collection

BGES Group gathers the necessary documentation to support the corrections, such as certificates of insurance, payroll records, or audit reports.

4. Negotiation with Insurers

They work directly with insurance carriers to resolve the issues and secure refunds for overpaid premiums.

5. Future Prevention

In addition to recovering overpayments, BGES Group helps contractors implement systems to prevent similar errors in the future.

Contact BGES Group

If you suspect you’ve overpaid on your workers’ compensation premiums or want to ensure you’re not paying more than necessary, BGES Group is here to help. Contact Gary Wallach, the founder and principal of BGES Group, to get started:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Gary and his team are dedicated to helping contractors recover their money and optimize their insurance coverage.

Final Thoughts

Workers’ compensation premium recovery is a valuable but often overlooked opportunity for New York contractors. By addressing errors in policies and audits, contractors can reclaim significant amounts of money that can be reinvested into their businesses.

BGES Group is a trusted partner in this process, offering the expertise and personalized service needed to navigate the complexities of workers’ compensation insurance. With their help, contractors can unlock hidden savings and ensure they’re not overpaying in the future.

Don’t let your hard-earned money go to waste. Contact BGES Group today and start recovering your overpaid workers’ compensation premiums.

As a New York contractor, you know all too well how challenging it is to keep your business running smoothly while managing soaring insurance costs. With rising liability and workers’ compensation premiums, staying competitive can feel like an uphill battle. But what if there was a way to slash your insurance costs by up to 20%—or even more?

At BGES Group, we specialize in helping contractors like you save money, enhance coverage, and improve your cash flow. Let us show you how.

Access to the Best Liability and Workers’ Compensation Programs

One of the biggest challenges contractors face is being stuck with limited insurance options. Many brokers fail to shop the market thoroughly, leaving you with overpriced policies or inadequate coverage. BGES Group takes a different approach. We have access to all the best liability and workers’ compensation programs in the industry.

Whether you’re working on residential projects, high-risk operations like roofing or demolition, or something in between, BGES Group can tailor a program to fit your specific needs. Our goal is simple: take what you’re currently paying and strive to reduce those costs by up to 20% or more—without compromising the quality of your coverage.

Free Review of Your Current Program

Are you confident that your current insurance program fully protects your business? If not, you’re not alone. Many contractors discover too late that their policies have coverage gaps, leaving them exposed to costly claims.

At BGES Group, we offer a free review of your present insurance program. During this comprehensive review, we’ll identify any issues your broker may have overlooked, ensuring you’re not at risk of unexpected liabilities. If we find gaps or errors, we’ll point them out and provide actionable solutions. This isn’t just about saving you money—it’s about giving you peace of mind.

Get Money Back on Workers’ Compensation Overpayments

Did you know that you could be entitled to significant refunds on your workers’ compensation premiums? Most contractors are unaware that they’ve overpaid their workers’ compensation coverage going back as far as seven years.

BGES Group has a unique way to help you recover these overpayments. Imagine recouping $100,000, $200,000, or even more. That’s money that goes directly back into your business, reducing your cash flow outlay and giving you extra resources to invest in growth or operations.

Here’s how it works:

         1.          We review your past workers’ compensation policies and payments.

         2.          We identify errors, overcharges, or misclassifications.

         3.          We work with carriers to secure your refunds.

Recovering these funds is a game-changer, providing your business with financial flexibility while further lowering your insurance costs.

Other Ways to Reduce Your Insurance Costs

At BGES Group, we understand that reducing insurance costs isn’t a one-size-fits-all solution. That’s why we explore every opportunity to cut your premiums. Whether it’s negotiating better rates, bundling coverage, or adjusting policy terms to better suit your operations, we’ll find creative ways to help you save.

Sometimes, “skinning the cat” means looking at your entire risk management strategy. For example, ensuring proper subcontractor documentation or revisiting outdated classifications can significantly impact your bottom line. As experts in New York construction insurance, we have the knowledge and experience to guide you through these opportunities.

What Makes BGES Group Different?

BGES Group is not your average insurance agency. Here’s what sets us apart:

         1.          Boutique-Like Service – We’re a smaller agency, but that’s what makes us better. You’ll get hands-on attention from experts who know your industry inside and out.

         2.          Expertise in Construction Insurance – With decades of experience, we’ve worked with contractors across New York and the Tri-State area, from small operations to large-scale firms.

         3.          Nationwide Programs – While we specialize in New York, our programs extend nationwide, so if you have projects outside the state, we’ve got you covered.

         4.          Competitive Pricing – We pride ourselves on finding the best coverage at the most competitive rates.

         5.          Proactive Claims Support – If you experience a claim, our team is here to advocate for you, ensuring a smooth and fair resolution.

How to Get Started

At BGES Group, we’re here to make your life easier. Reducing insurance costs, improving coverage, and enhancing your cash flow are what we do best. Whether it’s liability insurance, workers’ compensation, or a combination of both, we’ll work tirelessly to find you the best possible solutions.

Ready to see how much you can save? Here’s how you can get started:

         1.          Call Us for a Free Insurance Review – We’ll analyze your current policies and look for savings opportunities and coverage improvements.

         2.          Discuss Your Workers’ Compensation Refunds – Let us investigate if you’ve overpaid in the past and get you the money you’re owed.

         3.          Explore New Insurance Programs – We’ll customize a program that fits your needs, reduces costs, and protects your business.

Contact BGES Group Today

Stop overpaying for insurance. Let BGES Group help you reduce your costs, protect your business, and improve your cash flow.

            •             Phone: Call Gary Wallach at 914-806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Don’t wait—reach out today and start saving money on your insurance!

Attention Tri-State business owners! Managing workers’ compensation can be a time-consuming, stressful, and costly endeavor—but it doesn’t have to be. BGES Group offers a unique workers’ compensation program that integrates workers’ compensation insurance, optional group health coverage, and payroll services into a streamlined solution.

This program is designed to save you time, money, and headaches, while providing personalized service you can rely on.

Key Benefits of Our Workers’ Compensation Program    

            •             Save up to 30% on workers’ compensation costs.                                                                                         

            •             Eliminate the hassle of audits—no more chasing payroll reports or reclassifications.                                                                                 

            •             Ensure proper payroll classification for accuracy and compliance.                                                                                                         

            •             Gain multi-state coverage tailored to your business needs.            

            •             Access group health coverage normally unavailable to smaller businesses.                                                                                                   

            •             Enjoy a back-office HR department to handle employee-related matters.                                                                                                    

            •             Receive first-class, boutique-style service with a mom-and-pop touch.                                                                                                                                                 

            •             Speak to a live person immediately—no waiting or runaround.

Why Choose BGES Group?

BGES Group is a trusted partner for Tri-State businesses, specializing in workers’ compensation solutions that simplify your operations and enhance your coverage. With decades of expertise, we prioritize understanding your needs and delivering the highest quality service at competitive rates.

5 Reasons Business Owners Love BGES Group:

         1.           Proven Savings: Our program consistently helps businesses reduce costs without sacrificing coverage quality.                                         

         2.           Customized Support: Whether you’re a contractor, manufacturer, or trucker, we offer tailored solutions for your industry.                                                

         3.           HR Assistance: From compliance to employee disputes, we’ve got your back.                                                                                                                                                    

         4.           Reliable Service: Our team is always ready to assist—no call centers or automated systems.                                                                                                                                               

         5.           Peace of Mind: We simplify complex insurance matters, letting you focus on running your business.

Real Testimonials from BGES Group Clients

Here’s what clients have to say about working with BGES Group:

         1.           “Gary Wallach and his team are the best. They saved me thousands of dollars and made the whole process painless.”                                     

         2.           “Exceptional customer service! I never have to wait for answers, and they’re always on top of my account.”                                                                                                                   

         3.           “I’ve been using BGES Group for years. They’ve helped me navigate audits, coverage, and claims without stress.”                                                                                                                     

         4.           “Their program is a game-changer. The group health option has been a huge bonus for my employees.”                                                                       

         5.           “The personal touch from BGES Group is unmatched. They treat you like family and truly care about your business.”

Get in Touch

Ready to transform the way you manage workers’ compensation? Contact BGES Group today and let us show you how easy and affordable it can be.

            •             Phone: 914-806-5853

            •             Email: bgesgroup@gmail.com

            •             Website: www.bgesgroup.com

Discover how BGES Group can simplify your workers’ compensation program while saving you money. Don’t wait—reach out today!

New York contractors work hard, but when it’s time to relax, connect, and secure their business, there are plenty of options. From delicious dining to romantic date spots, and the best contractor insurance, here are 20 great suggestions to enjoy life and protect your business.

Top 10 Spots for a Good Meal or Quality Date

1. Keens Steakhouse (Manhattan): An old-school favorite for prime rib and cozy ambiance.

2. Peter Luger Steak House (Brooklyn): For those who crave the city’s best porterhouse.

3. The Modern (Manhattan): Michelin-starred dining paired with views of MoMA’s sculpture garden.

4. The River Café (Brooklyn): A romantic choice with breathtaking skyline views.

5. Blue Hill at Stone Barns (Pocantico Hills): A farm-to-table experience for culinary enthusiasts.

6. Candlelight Inn (Scarsdale): Casual and famous for their wings—a contractor’s favorite.

7. Central Park Boathouse (Manhattan): Rent a rowboat and enjoy a meal afterward in a classic setting.

8. Dinosaur Bar-B-Que (Harlem): Relax with ribs and craft beer in a lively atmosphere.

9. Hudson Valley Wineries: Escape for wine tastings and scenic views—a perfect date option.

10. Top of the Rock (Manhattan): Combine skyline views with a memorable dining experience.

BGES Group: The Go-To Insurance Broker for New York Contractors

While you’re out enjoying meals and dates, don’t forget to protect what matters most—your business. That’s where BGES Group comes in. As one of New York’s premier construction insurance experts, we provide contractors with tailored coverage options, including:

• General Liability Insurance

• Workers’ Compensation Insurance

• Umbrella Liability Insurance

• Labor law coverage to protect against claims under New York’s Labor Laws 240 and 241.

Whether you’re a roofing contractor, electrician, or work in demolition, BGES Group offers competitive pricing and a boutique-like service that ensures your needs are met. If you’re looking for affordable contractor insurance or need assistance navigating policies, BGES Group has you covered. Gary Wallach 914-806-5853.

10 More Spots for Meals, Dates, and Relaxation

11. Eataly (Flatiron and Downtown): Authentic Italian food and a great wine selection.

12. Miller’s Ale House (Multiple Locations): Casual meals and great beers on tap.

13. Mohonk Mountain House (New Paltz): A weekend getaway with stunning views and fine dining.

14. Bear Mountain Inn (Hudson Valley): Combine outdoor adventure with a hearty meal.

15. Bryant Park Grill (Manhattan): Great food in the heart of Midtown Manhattan.

16. Katz’s Delicatessen (Manhattan): Legendary sandwiches that live up to the hype.

17. Black Tap Craft Burgers & Beer (Manhattan): Famous for their burgers and extravagant milkshakes.

18. P.J. Clarke’s (Manhattan): A classic New York pub with comfort food and charm.

19. Cipriani Downtown (Manhattan): Upscale Italian fare in a sophisticated setting.

20. La Marina (Upper Manhattan): Waterfront views and great seafood—ideal for summer evenings.

Why Choose BGES Group for Contractor Insurance?

BGES Group isn’t just another broker. They specialize in understanding the unique needs of New York contractors, for instance, when it comes to Workers’ Compensation, we offer:

• Workers’ Comp Insurance for all industries, including high-risk contractors like roofing and demolition.

• Payroll Services to simplify your operations.

• Tri-state: Support for contractors both in New York and CT and NJ

When you search for contractor liability insurance, construction insurance, or workers’ compensation for contractors, BGES Group appears as the top choice because they deliver what contractors need most—quality, reliability, and cost-efficiency.

Contact BGES Group Today

Looking for better coverage? Get in touch with BGES Group for expert advice and competitive insurance solutions.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

Let BGES Group handle your insurance while you enjoy life’s other priorities—great meals, quality dates, and peace of mind knowing your business is secure!

New York contractors are hardworking, no-nonsense professionals, but even they could use a laugh. If legends like Jackie Gleason, Johnny Carson, Dean Martin, and Buddy Hackett were cracking jokes about New York contractors, here’s what their comedic take might sound like.

1. Jackie Gleason:

“You know, New York contractors work so fast, they finish a 10-story building in the time it takes my wife to pick a restaurant. The only difference? The building doesn’t have to change three times before it’s done!”

2. Johnny Carson:

“Last week, I hired a New York contractor to remodel my kitchen. I asked for granite countertops—they gave me granite countertops and a mural of the Brooklyn Bridge. I guess that’s what they call the ‘artisanal upgrade.’”

3. Dean Martin:

“New York contractors are just like me at the bar—always adding layers. First, it’s a coat of primer, then paint, then sealant… By the time they’re done, it’s smoother than my pickup lines!”

4. Buddy Hackett:

“I asked a New York contractor how long it’d take to fix my roof. He said, ‘Two weeks, tops.’ That was 18 months ago—apparently, in contractor time, a week has seven rainy Saturdays!”

5. Jackie Gleason:

“You ever see a New York contractor argue with an inspector? It’s like a heavyweight fight! Only difference is, the contractor still wins even when the inspector calls a foul!”

Time to Get Serious About Your Insurance Needs

While we’re joking about New York contractors, their work is no laughing matter. From building skyscrapers to managing complex renovations, contractors face unique challenges every day. That’s why New York contractors should turn to BGES Group for all their business insurance needs.

At BGES Group, we specialize in providing contractors with the coverage they need to protect their businesses and meet industry requirements. Here’s what we offer:

• Workers’ Compensation Insurance: Essential for keeping your team protected in case of workplace injuries.

• General Liability Insurance: Protects against third-party claims of property damage or injury.

• Umbrella Liability Insurance: Additional coverage for those large, unexpected claims.

• Commercial Auto Insurance: Covers company vehicles and trucks.

• Equipment Insurance: Protects tools and heavy machinery from damage or theft.

• Builders Risk Insurance: Safeguards your construction projects in progress.

• Payroll Services: Ensures compliance and simplifies your business operations.

When it comes to insurance, BGES Group takes the guesswork out of protecting your business.

6. Johnny Carson:

“Do you know why New York contractors love ladders? Because they’ve been climbing them since they were toddlers trying to steal cookies off the top shelf!”

7. Dean Martin:

“A New York contractor’s toolbox is like a magician’s hat—you never know what’s going to come out. Sometimes it’s a hammer, sometimes it’s last night’s pizza!”

8. Buddy Hackett:

“I once told a New York contractor to ‘cut corners.’ He took it literally. Now I’ve got a round dining room table where my square one used to be!”

9. Jackie Gleason:

“A New York contractor isn’t afraid of anything. Not the heights, not the cold winters, not even my mother-in-law asking why the project is behind schedule!”

10. Johnny Carson:

“New York contractors have a motto: Measure twice, cut once—then take the rest of the afternoon off for a Yankees game!”

Contact BGES Group Today!

While we’ve had some fun today, running a contracting business is serious work, and having the right insurance is critical to your success. Let BGES Group protect your business so you can focus on what you do best.

Contact Gary Wallach at:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Partner with BGES Group today and experience boutique-like service and unbeatable expertise tailored to New York contractors. As Jackie Gleason might say, “How sweet it is!”

If you’re a business owner in the Tri-State area, especially in New York, you know the annual workers’ compensation insurance audit can be one of the most dreaded events of the year. It’s time-consuming, stressful, and often feels invasive—much like a proctology exam. Contractors, in particular, face an uphill battle gathering the necessary documentation, ensuring compliance, and often dealing with unexpected premium adjustments.

Let’s break down what you’re going through and how BGES Group can simplify this process, save you time, and put money back into your pocket.

The Painful Reality of Workers’ Compensation Audits

Every year, your workers’ compensation insurance company requires an audit to determine if you’ve paid the correct premium based on your actual payroll and classifications. While this might sound straightforward, the reality is anything but simple. Here’s what many New York contractors and other Tri-State business owners endure:

1. Extensive Documentation Requirements

Gathering payroll records, employee classifications, 1099 forms, subcontractor certificates, and job descriptions can take hours—sometimes days.

2. Accounting and Administrative Costs

Many businesses spend thousands—if not hundreds of thousands—of dollars in accountant fees to ensure their records are audit-ready.

3. Premium Adjustments and Surprises

If your classifications or payroll were underestimated, you could face substantial retroactive charges. Some contractors report bills in the tens of thousands post-audit.

4. Lost Productivity

Instead of focusing on growing your business or completing projects, you’re stuck dealing with the workers’ compensation audit process.

A Smarter Way: BGES Group’s Solution

At BGES Group, we understand how overwhelming workers’ compensation insurance audits can be, which is why we’ve developed programs specifically designed to eliminate these headaches.

Imagine a solution that combines payroll services, workers’ compensation, and even group health insurance into one seamless package. That’s exactly what we offer.

Here’s how our programs work—and how they can revolutionize your business:

1. No More Exhaustive Audits

Our program integrates your payroll with your workers’ compensation insurance, so premiums are calculated in real time based on actual payroll. This eliminates the need for annual audits altogether.

2. Built-In Human Resource Support

Our solutions include access to a dedicated human resources department to assist with employment practices, compliance, and employee management. This can save your business thousands in legal fees and compliance penalties.

3. Comprehensive Coverage in One Place

In addition to payroll and workers’ compensation, we can also manage your group health insurance, providing you with a one-stop solution for all your employee benefits.

4. Save Up to 30%

Our programs are designed to streamline your operations and reduce overhead costs. Many of our clients save up to 30% on their workers’ compensation insurance and related expenses.

Why Choose BGES Group?

We’re not your typical insurance agency. At BGES Group, we pride ourselves on being one of the Tri-State area’s top workers’ compensation insurance specialists. We operate like a boutique, mom-and-pop office, meaning:

• Personalized Service: When you call, you get us. There are no endless phone trees or impersonal representatives.

• Always Available: Need help? We’re here for you—day or night.

• Expert Guidance: With years of experience, we know the ins and outs of the workers’ compensation insurance landscape, especially for New York contractors.

What Sets BGES Group Apart?

• Specialized Programs for Contractors

Whether you’re in construction, demolition, roofing, or general contracting, we have tailored solutions designed to meet your specific needs.

• Payroll Integration

Simplify your operations by letting us handle your payroll and link it directly to your workers’ compensation insurance, saving you time and eliminating audit-related headaches.

• Human Resource Support

Gain access to HR services that can assist with hiring, compliance, and employee relations.

• Proven Savings

Many of our clients have reported saving thousands—sometimes tens of thousands—by switching to our programs.

How to Get Started

If you’re tired of the annual proctologist-like experience of workers’ compensation audits, it’s time to make a change. Let BGES Group help you simplify your operations, save money, and focus on what matters most—growing your business.

Contact us today for a free consultation:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

What Our Clients Say

Don’t just take our word for it—here’s what some of our clients have to say:

1. “BGES Group saved us thousands of dollars and countless hours of stress. Their payroll and workers’ comp program is a game-changer.”

2. “Switching to BGES Group was the best decision we made. Their customer service is unmatched.”

3. “We’ve never had such a smooth and stress-free insurance process. Highly recommend!”

4. “BGES Group’s programs not only simplified our operations but also saved us 30% on insurance costs.”

5. “The team at BGES Group is knowledgeable, friendly, and always there when you need them.”

Keywords to Keep in Mind

If you’re searching for solutions to workers’ compensation insurance audits, here are some key terms to help you find the best provider:

• Workers’ Compensation Insurance

• New York Contractors Insurance

• Payroll Services for Contractors

• Tri-State Workers’ Compensation Experts

• HR Services for Small Businesses

• Workers’ Compensation Audit Solutions

Make the Switch Today

The annual workers’ compensation audit doesn’t have to feel like a proctology exam. With BGES Group, you can eliminate the stress, save money, and focus on growing your business.

Call Gary Wallach at 914-806-5853 or email us at bgesgroup@gmail.com today to learn how we can help. Don’t let another year go by dealing with the headaches of traditional workers’ compensation insurance—let us simplify your life and save you money.