(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.

Fraudulent workers’ compensation insurance claims can be a nightmare for New York construction businesses. A single phony claim could significantly raise your workers’ compensation premiums, impact your bottom line, and lead to long-term financial stress. For construction firm owners, the key to avoiding these issues is diligence during the hiring process.

This article outlines 10 red flags to watch for when hiring workers to ensure your business stays protected. It also explains how partnering with specialists like BGES Group can help you obtain comprehensive workers’ compensation coverage that safeguards your company.

Why Fraudulent Workers’ Compensation Claims Are a Serious Problem

Fraudulent claims can cost your business thousands of dollars annually. The problem is particularly prevalent in high-risk industries like construction, where injuries are common, making it easier for dishonest workers to file false claims.

For employers, prevention starts with knowing what to look for before hiring. Here are ten critical signs to help you avoid hiring workers who might later commit fraud.

10 Warning Signs to Watch for When Hiring Workers

1. Gaps in Employment History

Workers with unexplained gaps in their employment history may be hiding previous fraudulent activity or frequent disputes with past employers. Always request a complete job history and verify it thoroughly.

2. Frequent Job Changes

Individuals who frequently switch jobs, especially in the construction industry, may be doing so to avoid being caught committing fraud. Verify their reasons for leaving each position with previous employers.

3. Exaggerated Work Experience

Applicants who overstate their qualifications or past responsibilities may lack the skills needed for the job, increasing the likelihood of accidents or fraudulent workers’ comp claims. Ask for certifications and licenses to validate their claims.

4. A History of Filing Claims

During the reference check process, inquire whether the candidate has a history of filing multiple workers’ compensation claims. A pattern of claims could indicate fraudulent intentions.

5. Unverified References

Fake references are a common tactic for fraudulent applicants. Always cross-check references to confirm their validity and the applicant’s prior work history.

6. Vague or Inconsistent Answers

During interviews, watch for inconsistent responses to questions about their work history, skill set, or reasons for leaving prior jobs. These inconsistencies may be red flags for dishonesty.

7. Pressure to Get Hired Quickly

Fraudulent workers often push for quick hiring decisions to avoid background checks. Be wary of applicants who demand immediate offers without allowing time for due diligence.

8. Poor Physical Fitness

Construction jobs are physically demanding. Workers who appear unfit or incapable of handling the physical requirements may be more likely to file phony workers’ compensation claims.

9. Overeagerness to Discuss Benefits

Pay close attention to applicants who ask excessive questions about workers’ compensation insurance coverage, disability benefits, or injury policies. While this could be a legitimate concern, excessive focus on benefits is a potential red flag.

10. Resistance to Background Checks

A worker who resists background or criminal record checks may be hiding fraudulent behavior or a history of false claims. Always insist on performing thorough checks.

How to Protect Your Business from Workers’ Comp Fraud

Beyond identifying red flags during hiring, taking additional preventive measures can help you safeguard your business from fraudulent workers’ comp claims:

1. Document Job Duties Clearly

Provide written job descriptions detailing physical requirements and safety standards. This minimizes disputes over job-related injuries.

2. Conduct Pre-Employment Physicals

Require candidates to undergo a physical examination to ensure they are fit for the job and to document any pre-existing conditions.

3. Train Supervisors to Spot Fraud

Supervisors should be trained to recognize fraudulent behavior and report suspicious claims promptly.

4. Use Surveillance and Safety Tools

Implement safety cameras and equipment to monitor work conditions and provide evidence in case of false injury claims.

5. Work with a Reliable Workers’ Compensation Specialist

Having the right workers’ compensation insurance policy is crucial for protecting your business from fraudulent claims. Specialists like BGES Group can help you secure the best coverage at competitive rates.

How BGES Group Can Help Your Construction Business

BGES Group is a trusted name in workers’ compensation insurance, specializing in providing tailored policies for New York contractors. Whether you’re running a large construction firm or a small contracting business, BGES Group can:

• Help you find policies that include fraud prevention measures.

• Assist in selecting workers’ compensation coverage that aligns with your business needs.

• Provide personalized service to address your unique concerns.

Contact BGES Group Today

Don’t let fraudulent workers’ compensation claims jeopardize your business. Protect your construction firm with the right insurance policy from BGES Group. Call Gary Wallach today at 914-806-5853 or email bgesgroup@gmail.com to learn more.

You can also visit their website at bgesgroup.com to explore their range of services and request a free consultation.

By staying vigilant during hiring and securing comprehensive workers’ comp coverage, you can minimize risks and ensure the long-term success of your construction business. Let BGES Group be your partner in protecting what matters most—your workers, your reputation, and your bottom line.

Navigating workers’ compensation in NYC can feel overwhelming. This guide breaks down the essentials to help you understand your rights and responsibilities.

What Is Workers’ Compensation?

Workers’ compensation is a type of insurance providing wage replacement and medical benefits to employees injured at work. Let’s explore how it operates in NYC specifically. In essence, workers’ compensation acts as a safety net, ensuring that workers receive necessary medical care and financial support following a work-related injury. The law mandates that all employers must carry this insurance to cover their employees, safeguarding both parties from financial strain in the event of an accident.

In NYC, the workers’ compensation system is governed by the state’s rules that dictate the benefits, eligibility, and filing processes. This insurance covers a wide array of medical treatments, from doctor visits and surgeries to medication and physical therapy, all essential for injured workers to recover without the burden of healthcare costs. Moreover, it provides partial wage replacement, enabling workers to manage financial responsibilities while unable to work.

In case of a tragic event where an employee dies as a result of their work, workers’ compensation extends financial support to the deceased worker’s spouse and dependents, offering them benefits to help navigate the aftermath. The importance of this system cannot be overstressed, as it not only provides immediate relief for workers but also mitigates the risk of costly litigious disputes for employers.

Who Is Eligible for Workers’ Compensation in NYC?

In New York City, most employees are eligible for workers’ compensation benefits. However, understanding the precise eligibility criteria can help ensure you’re covered. Generally, if you’re working for an employer and have suffered an injury while performing your job duties, you are eligible to claim these benefits. This holds true whether you’re employed full-time, part-time, or are a seasonal worker.

It is crucial to note that certain exceptions, such as independent contractors, may not qualify under typical workers’ compensation coverage unless they are legally deemed employees according to specific employment tests. Therefore, if you’re unsure about your classification, consulting a legal advisor might be beneficial. Understanding your status and rights is pivotal to ensuring that you receive the rightful benefits if injured at work.

How to File a Claim in NYC

Filing a claim is critical in receiving your benefits. We’ll guide you through the steps required to file a workers’ compensation claim successfully in NYC. The initial step is to report your injury to your employer as soon as possible; timely notification ensures that your claim is documented and processed efficiently.

After informing your employer, seek immediate medical treatment from an authorized healthcare provider. It is vital to inform them that your injury is work-related, so the treatment notes accurately reflect this, supporting your claim. Your next step is to file a formal claim with the Workers’ Compensation Board. This involves completing the necessary forms, such as the Employee Claim (Form C-3), which can be done online or via mail.

Staying organized and keeping copies of all your documentation, such as medical reports, communications with your employer, and filed forms, can facilitate a smoother claim process. If needed, during this complex process, you might consider the support of an attorney, especially if your claim faces disputes or complexities.

What Benefits Are Available?

From medical care to wage replacement, workers’ compensation offers various benefits. Here, we explain what you can expect after filing a successful claim. The primary benefit includes comprehensive medical coverage for treatments that your healthcare provider prescribes, enabling you to focus on recovery without the stress of medical costs.

Additionally, financial compensation in the form of partial wage replacement eases the burden of missing work. This typically amounts to two-thirds of your average weekly wage and is calculated based on state laws. It’s designed to provide a financial foundation while you recover and prepare to return to work.

In cases of severe injury or death, workers’ compensation also provides benefits that can include vocational rehabilitation services to assist in transitioning to a different job if an injury prevents returning to the previous one. Moreover, for families of deceased workers, financial support is available to help them through their loss. These benefits are vital not only for financial security but also for moral and psychological support during challenging times.

Common Challenges and How to Overcome Them

Sometimes, the process isn’t straightforward. We address common challenges employees face during claims and offer practical advice on overcoming them. One frequent challenge is the delay or denial of claims. Claims can be delayed or denied due to paperwork errors, lack of evidence, or missed deadlines.

To counteract this, meticulous documentation is your best ally. Keeping thorough records of your injury, treatment, and any communication with your employer can buttress your claim if contested. Another common setback involves disputes over the severity of the injury or the necessity of certain medical treatments. In such scenarios, medical evidence from a trusted, authorized provider plays a critical role.

Misclassifications can also lead to higher premiums or incorrect payments Accurate employee classification ensures proper benefit disbursal. If you encounter unresolved issues, seeking the guidance of legal counsel specializing in workers’ compensation can aid in navigating appeals or further negotiations.

Finding the Right Legal Advice in NYC

Legal guidance can be invaluable. We’ll discuss when it’s necessary to seek legal help and how to find the right attorney for your workers’ compensation case. If your claim is disputed, denied, or delayed, or if you feel overwhelmed by the complexities of legal procedures, seeking the expertise of an attorney who specializes in workers’ compensation might be necessary.

An attorney can provide insights into your rights, help contest any disputes, and ensure all necessary documentation is in order. Finding the right attorney involves researching their track record with workers’ compensation cases, assessing fees, and ensuring they’re a good fit for your needs. BGES Group offers resources and guidance to assist you in navigating these waters in NYC.

Wrapping Up Your Workers’ Compensation Knowledge

Understanding workers’ compensation in NYC can empower you to protect yourself while ensuring fair treatment. Always be informed and proactive about your rights as an employee.

BGES Group is one of New York, New Jersey, and Connecticut’s Construction Insurance Specialists representing 50+ companies, including all the BEST general & umbrella liability programs. We offer all the coverage needed, including property, builders’ risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability, and group health.  Our commitment to you goes beyond the policies we provide. We are always just a call, text, or email away, ready to assist you, even on weekends. We understand the importance of your business and are here to help you navigate any insurance challenges.

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being canceled, losses causing difficulty getting coverage, in the middle of an audit dispute, misclassified payrolls, or whatever your issue. We can help!  We have special programs for Auto Services, Contractors (especially in New York), Limousine Services, Logistics Companies, Manufacturers, Recyclers, and Truckers; we can help ANY tri-state business owner. We are considered “Preferred Agents” for this one program that, if we can get you into, their pricing is excellent, offers long-term coverage stability, and can cover multi-state operations. The program takes the hassle out of doing annual audits, too.

If you want to speak with us, call Gary Wallach at 914-806-5853, click here to email, or visit our website.

Company: BGES Group, 216A Larchmont Acres West, Larchmont, NY 10538

email: bgesgroup@gmail.com

website: http://www.bgesgroup.com

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In the construction industry, managing risk is critical to ensuring project success. One key way to mitigate liability exposure is through contractors’ liability insurance, specifically by requiring subcontractors to list the general contractor (GC) or project owner as additional insureds. While this requirement is standard in many construction contracts, how coverage applies in specific scenarios often raises questions. This article explores how liability insurance works when subcontractors list GCs or owners as additional insureds and whether coverage extends to situations where the subcontractor is not at fault.

The Basics of Contractors’ Liability Insurance

Contractors’ liability insurance, often through a Commercial General Liability (CGL) policy, provides financial protection against claims for bodily injury, property damage, or personal/advertising injury arising from the contractor’s operations. For subcontractors, this coverage ensures they can address potential liabilities during a project.

When subcontractors work on a project, GCs and project owners often require them to name these parties as additional insureds on their CGL policy. This requirement ensures the GC or owner has protection under the subcontractor’s policy if they are sued for incidents connected to the subcontractor’s work. Additional insured endorsements are a vital tool for risk transfer in construction projects.

How Additional Insured Coverage Works

Additional insured status typically extends coverage for claims involving:

1. Bodily Injury – For example, if a worker or third party is injured due to project-related activities.

2. Property Damage – For instance, if construction work accidentally damages nearby property.

The additional insured endorsement may offer coverage under two scenarios:

1. The Subcontractor Is Negligent

If a subcontractor is found negligent, the additional insured endorsement provides coverage to the GC or owner for their resulting liability. For example, if a subcontractor improperly installs scaffolding that collapses and injures a passerby, the GC or owner would likely be covered under the subcontractor’s policy.

2. The Subcontractor Is Not Negligent

A more nuanced scenario arises when the subcontractor is not at fault, but the GC or owner is. For example, suppose a subcontractor’s employee trips and is injured due to unsafe conditions caused by the GC. The employee might sue the GC and the project owner. Even though the subcontractor is not negligent, the additional insured endorsement may still provide coverage for the GC or owner because the claim is connected to the subcontractor’s work.

Key Factors That Influence Coverage

While additional insured endorsements are powerful tools, their application depends on specific policy language and circumstances. Several factors can determine whether coverage applies:

1. Policy Wording

The exact wording of the additional insured endorsement matters. For example, many endorsements only provide coverage if the claim arises from the subcontractor’s work, negligence, or ongoing operations. Some policies may limit coverage to situations where the subcontractor is wholly or partially at fault.

2. Scope of Negligence

Courts often analyze the relationship between the incident and the subcontractor’s work. If the injury or damage would not have occurred but for the subcontractor’s involvement, coverage might extend even if the subcontractor was not negligent.

3. Primary and Non-Contributory Clauses

Subcontractors are often required to include primary and non-contributory clauses in their policies. These clauses ensure that the subcontractor’s insurance responds first (primary) and does not rely on the GC’s or owner’s policy to contribute (non-contributory).

4. Completed Operations

Some endorsements cover only claims arising during the subcontractor’s ongoing operations, while others may extend to completed work. This distinction is critical for long-term liability exposure.

Examples of Coverage Scenarios

To better understand how additional insured coverage applies, let’s examine two scenarios:

Example 1: Subcontractor Negligence

A subcontractor’s crane operator accidentally swings a load into a nearby parked car, causing significant property damage. The vehicle owner sues the GC and project owner for damages. Since the claim stems directly from the subcontractor’s negligence, the GC and owner are covered as additional insureds under the subcontractor’s policy.

Example 2: General Contractor Negligence

A subcontractor’s employee trips over debris left behind by the GC and sustains serious injuries. The employee files a claim against the GC and project owner for negligence. Even though the subcontractor was not at fault, their insurance policy may provide coverage to the GC and owner as additional insureds because the claim arises out of the subcontractor’s operations (e.g., the employee was working on the subcontractor’s project scope).

The Importance of Working with Experts

Navigating the complexities of liability insurance and additional insured coverage can be daunting, especially with varying policy language and coverage interpretations. Contractors must work with experienced insurance professionals who understand the intricacies of construction risks and insurance requirements.

This is where BGES Group excels. As construction insurance experts in the Tri-State area, BGES Group specializes in providing tailored insurance solutions for contractors, including comprehensive general liability and workers’ compensation coverage. Whether you’re a general contractor, project owner, or subcontractor, BGES Group ensures you have the right coverage to protect your business.

Why Choose BGES Group?

BGES Group stands out for its boutique-like services and expertise in construction insurance. Here’s what makes them the go-to choice for contractors:

• Customized Coverage: BGES Group designs policies to address the unique risks faced by contractors in New York, New Jersey, and Connecticut.

• Expert Guidance: Led by industry veteran Gary Wallach, BGES Group ensures contractors understand their coverage and avoid costly gaps.

• Competitive Pricing: BGES Group offers competitive premiums without sacrificing coverage quality.

• Special Programs: The firm provides specialized programs for high-risk contractors, such as demolition, roofing, and asbestos contractors.

Client Success Stories

BGES Group has helped countless contractors secure reliable insurance coverage at competitive rates. Here are just a few testimonials from satisfied clients:

1. “BGES Group is incredibly professional and knowledgeable. They saved us thousands on our liability insurance!”

2. “Gary and his team are responsive and truly understand construction insurance. Highly recommend!”

3. “The BGES Group team simplified our insurance needs and provided us with excellent service.”

Get in Touch

Don’t leave your business exposed to unnecessary risks. Protect your operations with expert insurance solutions from BGES Group.

Contact Gary Wallach today to discuss your coverage needs:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Visit the BGES Group website for more information: www.bgesgroup.com

Conclusion

Contractors’ liability insurance plays a crucial role in managing risk on construction projects. Understanding how additional insured coverage works—and its implications for subcontractors, GCs, and owners—can help you avoid disputes and ensure adequate protection. With the expertise of BGES Group, you can rest assured that your business is safeguarded against unexpected claims.

The Experience Modification Factor (MOD) is a critical component of workers’ compensation insurance premiums for businesses in New York. Calculated by the New York Compensation Insurance Rating Board (NYCIRB), this factor directly impacts how much a business pays for its workers’ compensation insurance, based on its loss experience compared to industry averages. A higher MOD indicates a higher risk of claims, resulting in increased premiums, while a lower MOD reflects better-than-average claims performance, leading to savings.

How the Experience Modification Factor Works

The NYCIRB determines the MOD by analyzing a company’s actual loss experience (claims) compared to the expected losses for businesses of similar size and industry.

• Payroll: This reflects the size of the workforce and is classified into specific job roles, each with its own risk rating.

• Claims History: Both frequency and severity of past claims are considered, with a greater weight given to frequent small claims over occasional large claims.

• Expected Losses: Calculated based on industry averages for the classification of the business.

The MOD is then expressed as a multiplier, with 1.0 being the industry average:

• A MOD of 1.0 means the business pays the industry average for workers’ comp premiums.

• A MOD above 1.0 increases premiums, while a MOD below 1.0 reduces them.

Four Examples of MOD Calculations

Example 1: MOD = 1.75

A construction company with frequent workplace injuries has a high MOD.

• Payroll: $1,000,000

• Expected Losses: $30,000

• Actual Losses: $52,500

• Impact: This company pays 75% more than the average premium for its classification due to its poor safety record.

Example 2: MOD = 1.20

A manufacturing business with occasional claims.

• Payroll: $1,000,000

• Expected Losses: $20,000

• Actual Losses: $24,000

• Impact: This business pays 20% more than average, reflecting slightly higher-than-expected losses.

Example 3: MOD = 1.0

A retail business with no significant claims history.

• Payroll: $1,000,000

• Expected Losses: $15,000

• Actual Losses: $15,000

• Impact: This business pays the average premium, matching its industry’s baseline.

Example 4: MOD = 0.90

An office-based company with a strong safety record and no recent claims.

• Payroll: $1,000,000

• Expected Losses: $10,000

• Actual Losses: $7,500

• Impact: This business enjoys a 10% reduction in premiums due to its exemplary claims history.

Regulation 59: Promoting Workplace Safety and Compliance

Regulation 59 was implemented to encourage businesses to address high MODs by adopting safety and risk management programs. Employers with MODs exceeding 1.30 are required to participate in a safety plan or risk improvement program to reduce claims frequency and severity.

Key features of Regulation 59 include:

1. Mandatory Safety Programs: Employers with high MODs must work with insurers to implement targeted safety measures.

2. Compliance Monitoring: Failure to comply can result in penalties or higher premium rates.

3. Long-Term Benefits: By reducing accidents, businesses can improve their MOD over time, leading to significant cost savings.

Take Control of Your Workers’ Comp Costs

Managing your Experience Modification Factor requires proactive safety management, claims handling, and expert insurance guidance. At BGES Group, we specialize in helping businesses in New York lower their MOD and secure better workers’ compensation coverage at competitive rates.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to learn how we can help your business reduce costs, improve safety, and achieve peace of mind with tailored insurance solutions.