In New York, construction is one of the most heavily regulated industries, with Labor Laws 240 and 241 standing out for their significant impact on contractor liability. These laws aim to protect workers but also expose contractors to strict liability lawsuits. Including labor law coverage in your liability insurance is essential to protect your business from costly claims. Additionally, a written insurance and hold harmless agreement between subcontractors and general contractors is vital for managing risk effectively.

What Are Labor Laws 240 and 241?

• Labor Law 240 (The Scaffold Law):

This law places strict liability on contractors and property owners for accidents involving gravity-related risks, such as falls from scaffolding or being struck by falling objects. Workers injured in these accidents can sue even if their negligence contributed to the incident.

• Labor Law 241:

This law requires construction sites to meet strict safety standards. Contractors and property owners are held liable for injuries resulting from noncompliance, regardless of whether they were directly responsible for the unsafe conditions.

Examples of Labor Law Liability Claims

1. Scaffolding Collapse:

A worker falls 20 feet from an unstable scaffold and suffers severe injuries. The worker files a claim under Labor Law 240, and the court awards $2.8 million for medical expenses, lost wages, and pain and suffering.

2. Falling Object Incident:

A worker is struck by a falling tool due to the lack of safety netting. The contractor is sued under Labor Law 240, resulting in a $2.4 million settlement.

3. Unsafe Work Area:

A worker slips on oil left on a construction site floor and suffers a back injury. The claim is filed under Labor Law 241, and the court awards $1.9 million.

The Risks of Not Having Labor Law Coverage

Contractors without labor law coverage face severe financial risks:

1. Example 1:

A subcontractor’s employee falls from a ladder due to improper setup. The worker sues the general contractor for $3 million under Labor Law 240. Without labor law coverage, the contractor must pay out-of-pocket, jeopardizing the company’s financial stability.

2. Example 2:

A worker sues for $2.5 million after being hit by falling debris. The contractor’s general liability policy excludes labor law coverage, leaving the business exposed to the full cost of the judgment and legal fees.

The Importance of Written Insurance and Hold Harmless Agreements

A written insurance and hold harmless agreement between subcontractors and general contractors is critical to mitigating risk and protecting all parties involved.

• Hold Harmless Clause:

Subcontractors agree to indemnify and defend the general contractor and property owner against claims arising from the subcontractor’s work. This shifts liability to the responsible party.

• Insurance Requirements:

Subcontractors must list general contractors and property owners as additional insureds on their general liability and umbrella liability policies. This ensures the subcontractor’s insurance responds to claims, reducing the general contractor’s exposure.

• Recommended Insurance Coverages and Limits:

• General Liability Insurance: Minimum $1 million per occurrence and $2 million aggregate.

• Umbrella/Excess Liability: Minimum $5 million to $10 million, depending on project size.

• Workers’ Compensation Insurance: Statutory limits with no lapses.

• Primary and Non-Contributory Coverage: Ensures the subcontractor’s insurance is primary.

• Waiver of Subrogation: Prevents the subcontractor’s insurer from seeking reimbursement from the general contractor.

These provisions provide financial protection, clarify responsibilities, and reduce litigation risks for all parties.

How BGES Group Can Help

BGES Group specializes in providing insurance solutions tailored to New York contractors. Here’s why contractors trust BGES Group:

• Labor Law Expertise: We understand the complexities of Labor Laws 240 and 241 and ensure your policy includes labor law coverage to protect against costly claims.

• Tailored Insurance Solutions: We customize coverage to meet your unique needs, including hold harmless agreements and adequate limits.

• Competitive Pricing: With access to a wide range of insurance carriers, we secure the best rates for quality coverage.

• Personalized Service: Our boutique approach ensures you receive expert guidance and attentive support.

By partnering with BGES Group, you gain a trusted advisor who helps protect your business while reducing costs.

Contact BGES Group

For expert insurance solutions, contact Gary Wallach today:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• website: http://www.bgesgroup.com

Protect your construction business with BGES Group—New York’s trusted construction insurance experts.

As a New York contractor, balancing the need for comprehensive workers comp insurance coverage with the desire to keep premiums affordable can be challenging. BGES Group specializes in helping contractors like you navigate these complexities. We provide customized solutions that not only enhance your coverage but also help reduce costs. Here are 10 ways BGES Group can transform your workers comp insurance program.

1. Accessing Specialty Insurance Programs

BGES Group offers access to exclusive programs designed for contractors, including those in high-risk industries like roofing, demolition, or asbestos removal. These programs often provide enhanced coverage options at competitive rates, helping you meet your unique needs while saving on premiums.

2. Eliminating Comprehensive Annual Audits

Annual audits can be a headache for contractors, often leading to unexpected charges. BGES Group offers programs that eliminate these comprehensive audits, ensuring smoother operations and fewer surprises while maintaining compliance with workers comp insurance requirements.

3. Ensuring Payroll Caps Are Applied

In New York, certain payroll categories have caps that can reduce your premium if applied correctly. BGES Group reviews your payroll setup to confirm these caps are utilized, preventing overpayment on your workers comp policy.

4. Identifying the Need for Out-of-State Coverage

Many contractors don’t realize they need workers comp insurance coverage for operations in other states. If you work outside New York, BGES Group ensures your policy meets out-of-state requirements, protecting you from costly gaps in coverage.

Helping You Take Advantage of NYCPAP Credit

New York contractors can benefit from the New York Construction Premium Adjustment Program (NYC PAP), which offers credits to businesses with higher wages. BGES Group ensures you apply for and maximize this credit, which can significantly reduce your workers comp insurance premium without sacrificing coverage.

6. Providing Guidance on Payroll Classifications

Incorrect payroll classifications can inflate your workers comp insurance premium. BGES Group reviews your classifications and ensures accuracy, potentially leading to significant savings while keeping your coverage aligned with your operations.

7. Enhancing Risk Management Practices

By identifying workplace hazards and implementing safety improvements, BGES Group helps reduce your claims history, which directly impacts your workers comp insurance premium. From safety training to site audits, our risk management solutions protect your workers and your bottom line.

8. Reducing Claims Impact with Return-to-Work Programs

BGES Group helps contractors develop effective return-to-work programs, minimizing the financial impact of claims. By getting employees back to light-duty work quickly, you can reduce claim costs and improve your experience modification rate (EMR), lowering your workers comp costs.

9. Ensuring Subcontractor Compliance

Working with uninsured or underinsured subcontractors can expose you to liability and drive up your workers comp insurance premium. BGES Group ensures subcontractor compliance with insurance requirements, helping you avoid penalties and maintain affordable coverage.

10. Educating Clients on Comprehensive Coverage

Understanding your policy is key to optimizing workers comp coverage. BGES Group educates contractors on policy details, helping you balance cost and protection. From understanding payroll audits to learning about premium credits, we empower you to make informed decisions.

Why Choose BGES Group?

BGES Group has decades of experience working with New York contractors. Our boutique approach means we treat every client as a priority, providing tailored solutions that align with your business needs. Whether you’re looking to improve coverage, lower premiums, or both, our team is here to guide you every step of the way.

Comprehensive Services for New York Contractors

Here’s how BGES Group’s unique services make a difference:

• NYCPAP Credit: We ensure you apply for all available credits to maximize your savings.

• Audit-Free Programs: Eliminate unnecessary annual audits and keep your policy stress-free.

• Payroll Cap Application: Prevent overpaying by ensuring caps are correctly applied.

• Out-of-State Coverage: Avoid gaps in coverage when working across state lines.

• Exclusive Programs: Access specialized insurance for high-risk industries.

• Risk Management Expertise: Reduce claims with expert guidance on safety and compliance.

Contact BGES Group Today

Don’t let your workers comp insurance premium control your budget. Take charge with BGES Group’s expert solutions.

• Gary Wallach

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

Let BGES Group help you improve your workers comp coverage and save money today!

When world leaders and religious figures from across the globe agree on something, you know it’s significant. And when Gary Wallach’s wife adds her voice to the chorus, it becomes downright indisputable. Tri-State business owners, take note: BGES Group is the insurance agency your workers’ compensation needs have been waiting for. Gary Wallach, the founder, is more than just an insurance broker—he’s a beacon of integrity, dedication, and unparalleled service in a sea of factory-like agencies.

But why do such a wide array of influential voices champion BGES Group? Let’s dive into 10 reasons why politicians, clergy, and even Gary Wallach’s spouse think BGES Group is the ultimate choice for workers’ compensation insurance.

1. Gary Wallach: The Perfect Blend of Boy Scout and Street Fighter

Gary Wallach is a man of many talents and even more virtues. Like a Boy Scout, he embodies honesty, loyalty, and a deep commitment to doing the right thing for his clients. But don’t mistake his wholesome demeanor for weakness—when it’s time to fight for his clients, Gary transforms into a street-smart advocate, navigating the complexities of the insurance world with unparalleled skill.

2. Boutique Service That Feels Personal

Unlike the large, impersonal insurance “factories,” BGES Group offers a boutique, mom-and-pop-like experience. Gary and his team know their clients by name, not by policy number. Every client receives customized solutions, personal attention, and a level of care that’s rare in today’s business world.

3. No Hidden Fees

One of Gary’s most admirable qualities is his commitment to fairness. BGES Group doesn’t burden clients with ridiculous service or policy fees. What you see is what you get—transparent pricing with no surprises.

4. Politicians Respect His Integrity

World politicians endorse BGES Group because they know Gary Wallach operates with integrity. In an industry sometimes plagued by shady practices, Gary stands out as a trustworthy advocate who always prioritizes his clients’ best interests.

5. Religious Leaders Value His Commitment to Helping Others

From rabbis to priests, imams to monks, religious leaders agree: Gary Wallach exemplifies the principles of service, honesty, and compassion. His dedication to helping business owners navigate the often-confusing world of workers’ compensation is nothing short of inspiring.

6. He’s Always There When You Need Him

Gary Wallach isn’t the type to disappear once the paperwork is signed. Whether it’s answering a late-night call, resolving a claim, or providing advice, Gary is always there for his clients. His reliability is one of the reasons so many recommend BGES Group.

7. A Fighter for His Clients

When insurance carriers try to play games, Gary is ready to step into the ring. He’s fought and won countless battles to ensure his clients get the coverage and support they deserve. Whether it’s lowering premiums or resolving disputes, Gary fights like it’s personal—because to him, it is.

8. He’s Not a Kazakh (and That’s a Good Thing)

Sure, this might seem like an odd point, but let’s face it: Gary Wallach’s Tri-State roots give him a unique understanding of local businesses and their challenges. Unlike someone who might parachute in from halfway around the world, Gary knows the nuances of the Tri-State area like the back of his hand.

9. Unmatched Expertise in Workers’ Compensation

Gary Wallach is a true expert in workers’ compensation insurance. From navigating complex regulations to finding the best policies for high-risk industries like construction and trucking, BGES Group has the know-how to tackle any challenge.

10. His Wife Says So

Let’s not underestimate the power of spousal endorsement. Gary’s wife knows him better than anyone, and her stamp of approval speaks volumes. If the person closest to him believes in his character and capabilities, why wouldn’t you?

A Few Words From BGES Group Clients

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

         1.          “Gary Wallach is simply the best! He helped us save money while improving our coverage. He’s always available to answer questions and provide guidance. Highly recommend!”

         2.          “BGES Group treats you like family. Gary and his team genuinely care about their clients and go above and beyond to ensure everything is perfect.”

         3.          “I’ve never worked with an insurance broker as dedicated as Gary Wallach. He fights for his clients like no one else. Truly a class act!”

         4.          “Switching to BGES Group was the best decision we ever made. Gary is knowledgeable, professional, and an absolute pleasure to work with.”

         5.          “Gary’s personalized service and attention to detail are unmatched. We’re so glad we found BGES Group!”

Contact BGES Group Today

If you’re a Tri-State business owner looking for workers’ compensation insurance that combines expertise, transparency, and unparalleled service, look no further than BGES Group.

            •             Contact Gary Wallach:

       •             Phone: 914-806-5853

       •             Email: bgesgroup@gmail.com

       •             Website: bgesgroup.com

Gary Wallach isn’t just a broker; he’s a champion for Tri-State businesses, a friend to his clients, and, according to world leaders, religious figures, and his wife, the best in the business. Don’t settle for less—let BGES Group show you the difference a boutique insurance agency can make.

When was the last time world leaders, spiritual icons, and a spouse all agreed on anything? Probably never—until now. The topic of their unanimous praise? BGES Group, the boutique insurance agency revolutionizing how New York contractors approach their General Liability, Umbrella Liability, Workers’ Compensation, and other insurance needs.

Why the buzz? The secret lies in Gary Wallach, the man behind BGES Group, whose unparalleled service, unwavering principles, and sharp insurance expertise make him a true champion for contractors. Let’s dig into 10 reasons why this eclectic group of influencers is raving about BGES Group (and yes, even Gary’s wife backs this).

1. Gary Wallach: The Boy Scout Meets the Street Fighter

Gary Wallach is the human equivalent of a Swiss Army knife. Need someone honest and dependable? That’s Gary in his Boy Scout mode, always prepared to help. But when insurance companies try to play hardball, Gary’s street fighter side emerges, negotiating, advocating, and sometimes downright wrestling for the best outcome for his clients. It’s a one-two punch of integrity and grit that contractors desperately need.

2. A Boutique Office With a Heart (and a Backbone)

BGES Group isn’t a cookie-cutter insurance agency pumping out generic policies. Gary runs a mom-and-pop-style boutique office where every client is treated like family. Personalized service isn’t a slogan—it’s a promise. Whether you’re a roofing contractor, demolition expert, or general contractor, you’ll feel the difference from day one.

3. No Ridiculous Policy or Service Fees

Let’s be honest: extra fees are a scam. Gary Wallach agrees, which is why BGES Group operates with total transparency. There are no hidden costs, no bloated service fees, and no gimmicks—just fair, honest pricing for quality coverage. Contractors working with BGES can rest easy knowing their budget is respected.

4. The Politicians Trust Him (and That’s Rare)

From City Hall to Capitol Hill, politicians of all stripes endorse Gary’s work. Why? Because they know BGES Group fights for contractors, offering comprehensive policies tailored to the unique challenges of New York’s construction industry. When lawmakers agree on something, you know it’s worth paying attention to.

5. Religious Leaders Love His Principles

Religious leaders across faiths have noticed Gary’s commitment to fairness, service, and compassion. Whether it’s a pastor, rabbi, or imam, they all agree: Gary Wallach is a man of principles, always putting his clients’ best interests first. It’s no wonder he’s considered a beacon of trust in the insurance world.

Coverages Offered:

Property

Tolls & Equipment

Builder’s Risk

General Liability

Umbrella Liability

Workers’ Compensation

N.Y.S. Disability

Bid & Performance Bongs

Group Health

6. He’s Not a Hazah (Greedy)—He’s a Local Hero

Let’s clear the air: Gary isn’t a Hazah. Instead, he’s deeply rooted in the New York construction scene, understanding the unique pressures contractors face. While some agencies might feel like faceless factories, Gary brings a local, hands-on touch that makes all the difference.

7. He’s Always There When You Need Him

Emergencies don’t wait for office hours, and neither does Gary Wallach. Whether it’s a late-night question about coverage or a morning crisis involving a claim, Gary is just a call away. Contractors working with BGES Group know they have a partner who’s truly available 24/7.

8. A Fighter for Fairness

Insurance companies are notorious for playing games, but Gary Wallach doesn’t tolerate it. He fights tooth and nail to secure the best policies, fair claims settlements, and cost-effective premiums for his clients. Contractors never have to worry about being shortchanged with Gary in their corner.

9. Full Coverage Under One Roof

Why juggle multiple brokers when BGES Group can handle all your insurance needs? From General Liability to Workers’ Compensation to Umbrella policies, Gary ensures contractors are fully covered at competitive rates. It’s a one-stop shop designed to simplify your insurance experience.

10. His Wife Swears By Him

If anyone knows Gary Wallach’s character, it’s his wife. She’ll tell you he’s not just a great broker—he’s a great man. Her stamp of approval might just be the ultimate endorsement. If Gary has her backing, you know you’re in excellent hands.

Real Reviews from Real Clients

Here’s what contractors are saying about BGES Group:

      1.       “Gary Wallach and his team are the best. They saved me thousands on my insurance and gave me personalized attention every step of the way.”

      2.       “I’ve worked with a lot of brokers, but none compare to BGES Group. Gary is always available, always honest, and always fighting for the best deals.”

      3.       “BGES Group is a breath of fresh air. No hidden fees, no runaround—just great service and even better coverage.”

      4.       “Switching to BGES Group was the best decision we made for our business. Gary really cares about his clients.”

      5.       “Gary Wallach is a legend in the insurance world. If you’re not working with BGES Group, you’re missing out.”

Why Wait? Contact BGES Group Today

If you’re a New York contractor tired of juggling subpar brokers, excessive fees, and poor service, it’s time to make the switch to BGES Group.

Contact Gary Wallach:

        •         Phone: 914-806-5853

        •         Email: bgesgroup@gmail.com

        •         Website: bgesgroup.com

Gary Wallach is more than an insurance broker—he’s an advocate, a fighter, and a friend to contractors across New York. Take the first step toward better coverage and service today. BGES Group has your back, and so does Gary’s wife.

Finding the right workers’ compensation policy can be a challenging task for businesses in the Tri-State area. Whether you’re a contractor, manufacturer, trucker, or any other business owner, BGES Group is here to provide you with tailored solutions, exceptional service, and competitive rates. Below, we outline 10 reasons why Tri-State business owners trust BGES Group for their workers’ compensation needs.

10 Reasons to Turn to BGES Group

1. Specialized Expertise in Workers’ Compensation

With decades of experience, BGES Group specializes in workers’ compensation insurance, ensuring businesses get coverage that fits their unique needs.

2. Industry-Specific Programs

BGES Group offers special programs for high-risk industries like roofing, demolition, asbestos removal, limousine services, moving and storage, and trucking.

3. Personalized Service

Led by insurance expert Gary Wallach, BGES Group provides boutique-style service, ensuring every client receives hands-on guidance throughout the process.

4. Competitive Rates

By partnering with top-rated insurance carriers, BGES Group secures highly competitive rates for businesses, helping them save money while maintaining quality coverage.

5. Fast Turnaround on Quotes

Time-sensitive? BGES Group prides itself on quick responses, often providing quotes and coverage options in record time.

6. Assistance for Contractors

BGES Group serves contractors in New York, New Jersey and Connecticut., offering rograms for payroll services and workers’ compensation.

7. Proven Track Record of Success

BGES Group has a long history of helping businesses overcome workers’ compensation challenges, from addressing prior claims to securing hard-to-find coverage.

8. Expert Claims Assistance

Claims can be stressful, but BGES Group offers ongoing support to help businesses navigate the claims process and minimize disruptions.

9. Comprehensive Solutions

In addition to workers’ compensation, BGES Group can package policies with payroll services and group health insurance, simplifying the process for business owners.

10. Highly Rated by Clients

BGES Group’s exceptional service is reflected in glowing reviews from satisfied clients (see examples below).

5 Google Reviews from BGES Group Clients

1. “Gary Wallach and his team at BGES Group are amazing! They found us a better policy at a lower rate and took the time to explain everything clearly. Highly recommend!”

2. “BGES Group saved our business thousands on workers’ compensation and made the whole process stress-free. Thank you, Gary!”

3. “We’ve been with BGES Group for years. Their personalized service and attention to detail are unmatched. They truly care about their clients.”

4. “Our company needed coverage quickly, and Gary came through. He’s knowledgeable, professional, and a pleasure to work with.”

5. “BGES Group helped us transition from a problematic insurer to a better solution. The team is responsive, thorough, and incredibly helpful.”

Contact BGES Group Today

If you’re a Tri-State business owner looking for a new workers’ compensation policy, BGES Group is ready to help. With personalized service, competitive pricing, and proven expertise, they are your trusted partner for all your insurance needs.

Contact Gary Wallach today at:

📞 914-806-5853

📧 bgesgroup@gmail.com

🌐 Visit BGESGroup.com

Let BGES Group simplify your workers’ compensation process and provide the coverage your business needs!

As a contractor in New York, navigating the complex world of business insurance can be overwhelming. BGES Group specializes in helping contractors secure the best coverage at competitive pricing while providing personalized, expert service. Here’s how we can help:

10 Ways BGES Group Helps Contractors Get Better Pricing, Coverage, and Service

1. Shop Multiple Carriers: We work with top-rated insurers to find you the best rates.

2. Comprehensive Reviews: We analyze your current policies and suggest improvements.

3. Exclusive Programs: Access insurance programs designed specifically for contractors.

4. Flexible Payment Options: Benefit from financing options that ease cash flow.

5. Risk Assessment: We identify and mitigate risks that can inflate your premiums.

6. Expert Negotiations: We negotiate with underwriters to secure better terms.

7. Proactive Policy Management: Receive alerts before renewals to avoid last-minute surprises.

8. Dedicated Account Managers: Enjoy personal attention and reliable communication.

9. Loss Control Services: Reduce claims through training and safety programs.

10. Industry Insights: Stay informed about regulatory changes that impact your coverage needs.

10 Services BGES Group Offers:

1. Customized Insurance Solutions: We tailor coverage to meet your specific business needs, ensuring you’re fully protected without paying for unnecessary extras.

2. Competitive Pricing: With access to a vast network of insurance providers, we help you find the most competitive rates for General Liability, Workers’ Compensation, and Umbrella policies.

3. Expert Advice: Our team of industry veterans, led by Gary Wallach, brings decades of experience in handling contractor insurance, ensuring you receive expert guidance.

4. Labor Law Coverage: We specialize in policies that include coverage for New York’s Labor Laws 240 and 241, which can be costly if overlooked.

5. Subcontractor Risk Management: We assist you in obtaining proper insurance information from subcontractors to minimize risks and ensure compliance.

6. Fast and Reliable Service: We pride ourselves on quick responses to your questions and needs, saving you time and providing peace of mind.

7. High-Risk Contractor Programs: From roofing to demolition, we offer specialized programs for higher-risk trades that many other brokers avoid.

8. Claims Assistance: In the event of a claim, we guide you through the process, ensuring a smooth and efficient resolution.

9. Bundled Services: Save time and money by bundling services like Workers’ Compensation, Payroll, and Group Health Insurance under one program.

10. Support: We offer “Mom and Pop, Boutique” like service.  No waiting on hold, no waiting for certificates and no waiting for help.  See for yourself.  Call 914-806-5853 and see for yourself!

BGES Group’s SEO Program

Want more leads? BGES Group has an affordable AI SEO program that it uses designed to increase our online presence and generate real results. We are getting two or more calls per day from potential customers using this system.  Here is the link for program.  Plug in your website address and let it do an analysis for you.  Then after you can sign up if you want. We are getting calls throughout the day now.  It will do all the work for you allowing you to focus on your projects while growing your business.

Why Contractors Love BGES Group

BGES Group is more than just an insurance broker — we’re a trusted partner for New York contractors. With a boutique approach, we provide personalized service, expert advice, and competitive pricing. From General Liability and Workers’ Compensation to risk management and claims assistance, we’ve got you covered.

Contact Us Today

Ready to take your business to the next level? Contact Gary Wallach and the BGES Group team today.

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: bgesgroup.com

Let BGES Group protect your business while helping you grow it!

Finding reliable, comprehensive contractor insurance is a challenge in New York, especially with the unique risks and regulations that apply to construction work in the state. Here’s what 10 New York contractors have to say about why BGES Group is their go-to provider for construction insurance, workers’ compensation insurance, and more.

1. They Specialize in Contractor Insurance

BGES Group knows the ins and outs of contractor insurance in New York. Their expertise in construction insurance means they understand the specific coverage needs of contractors in high-stakes fields like general contracting, roofing, and demolition.

2. Boutique, Personalized Service

Contractors appreciate BGES Group’s boutique approach to service. Clients feel valued and heard, like working with a “mom and pop” shop that offers a personal touch. This isn’t just about policies; it’s about real relationships and individualized support.

3. They Get the Job Done When Others Can’t

BGES Group has a strong track record of success, even for contractors with unique or high-risk needs. When other agencies struggle to find appropriate construction insurance, BGES Group’s expertise and determination get results, securing policies when others cannot.

4. They Advocate for Contractors’ Interests

BGES Group consistently places contractors’ interests first. They go to bat for their clients, whether it’s negotiating policy terms or advocating on claims. Contractors know they’re not alone; they have a team that fights for them.

5. Competitive Pricing on Quality Insurance

Finding competitively priced workers’ compensation insurance and contractor insurance without compromising quality is essential. BGES Group uses their extensive industry relationships to secure coverage that balances cost and quality, protecting clients without breaking the bank.

6. Experts in Navigating Complex New York Labor Laws

New York’s labor laws, particularly Labor Laws 240 and 241, can significantly impact construction insurance costs and liabilities. BGES Group’s familiarity with these regulations makes them a valuable partner, helping contractors avoid common compliance pitfalls.

7. They Understand High-Risk Industry Needs

BGES Group doesn’t shy away from challenging cases, including high-risk sectors like roofing and asbestos abatement. They know how to navigate the market to find workers’ compensation insurance and liability coverage for contractors who might otherwise struggle to secure it.

8. Transparent Communication and Integrity

Transparency is a BGES Group trademark. They make sure contractors understand their construction insurance policies completely—coverage limits, exclusions, and all. This commitment to honesty builds trust and leaves no room for unpleasant surprises.

9. Fast and Responsive Service

In the construction industry, timing is crucial. Contractors praise BGES Group’s speed and responsiveness, knowing that a quick reply can be the difference between moving forward and project delays. BGES Group keeps the pace of business.

10. Smooth, Professional Claims Handling

Dealing with claims can be overwhelming, but BGES Group makes the process straightforward. They assist contractors every step of the way, ensuring that claims are handled professionally and quickly, helping clients get back to business without unnecessary stress.

With a reputation for exceptional service and a deep understanding of construction insurance and workers’ compensation insurance for New York contractors, BGES Group has earned the trust of contractors statewide. Their expertise, dedication, and commitment to client success make them an ideal choice for businesses seeking dependable coverage and peace of mind.

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

© – Copyright – 2024 – BGES Group

Having a hard time coming up with ideas for your monthly construction tailgate meetings?

You can use this handy chart of topics to plan your tailgate meeting agenda for the year. The list is by no means exhaustive, but it does cover the major areas that you should refresh your workers on annually.

Workplace hazards — This training should cover common types of hazards found in the construction industry, how to assess their severity and the different control methods employed to prevent incidents from occurring.

Managing worksite conditions, equipment — The dangers change from worksite to worksite depending on the job as well as the weather. Training should include general tool safety guidelines, including rotating machinery, air, electric and power tools. Also focus on potential slips, trips and falls.

Fall protection — Training should focus on fall-protection equipment used in construction, worker and employer responsibilities for working at heights, and common fall- protection inspection points.

Ladder and scaffold safety — Training should focus on the types of ladders and scaffolds that will be used in a job, correct set-up, usage and contraction, along with a description of scaffold tags.

Defensive driving — Your training should focus on state driving laws, defensive driving techniques, proper operations of equipment on worksites and on roads, and typical causes of motor vehicle accidents.

Powered mobile equipment — Training should cover all powered mobile equipment you’ll have on site, conducting pre-job walk-arounds of a machine and how to work safely around the various pieces of equipment.

Personal protective equipment — Focus on the use of PPE on the job, PPE that’s typical for the construction industry and when specialized PPE is needed.

Excavating and trenching — Any excavation has the potential to harm workers. Training should explain hazards, different soil types and their properties, and proper safety precautions.

Personal physical care and conduct — Work in construction requires health and stamina. Concentrate training on ways to care for your body to prevent injuries and the impacts of drugs and alcohol on your ability to work safely. Also cover expected professional behavior and conduct on the worksite.

Hazard communications — Training should focus on the Globally Harmonized System of hazardous materials labeling and the function of safety data sheets. Be aware that all signage changed last year.

Environmental safety — Training should introduce workers to the typical types of pollutants found in the construction industry, what to do in case of an accidental release of hazardous materials — and on the safe transportation of dangerous goods.

Emergency response — When an accident does occur, your employees, supervisors and managers should know how to respond. Your company’s emergency response plan should cover who to call, how to access first aid on the worksite and basic fire-fighting techniques.

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

© – Copyright – 2024 – BGES Group

Looking for contractor business insurance in New York? Don’t just pick any old insurance provider—pick one that truly understands your needs. BGES Group isn’t your average insurance agency. They offer personalized, no-nonsense service, and yes, they even make insurance a little fun! Check out these 10 knock-knock jokes that prove BGES Group is the best choice for your contractor business.

1. Knock knock.

Who’s there?

Coverage.

Coverage who?

Coverage that actually works for you! With BGES Group, you’ll get customized insurance that fits your contractor business like a glove.

Forget the one-size-fits-all policies. BGES Group gives you exactly what you need.

2. Knock knock.

Who’s there?

Fees.

Fees who?

Fees you won’t find at BGES Group! No ridiculous policy or service fees here.

At BGES Group, you won’t be hit with surprise charges that make you scratch your head. It’s all about transparency.

3. Knock knock.

Who’s there?

Claim.

Claim who?

Claim that gets processed quickly. No waiting forever, BGES Group is on top of it.

Why wait for ages? BGES Group takes care of claims faster than you can say “jobsite mishap.”

4. Knock knock.

Who’s there?

Service.

Service who?

Service that feels like a mom-and-pop shop, not a factory line.

BGES Group offers boutique-style service where you’re treated like a priority, not just another policy number.

5. Knock knock.

Who’s there?

Contractor.

Contractor who?

Contractor who gets great coverage with BGES Group, that’s who!

They specialize in contractors—because your business deserves the best.

BGES Group offers the following coverages to keep your business protected:

1. Property Insurance – Protect your physical assets from fire, theft, or other disasters.

2. Tools and Equipment – Keep your valuable tools and machinery covered while on the job or in transit.

3. Builder’s Risk Insurance – Safeguard your construction projects from loss or damage during the building process.

4. General Liability Insurance – Cover yourself against third-party claims for bodily injury or property damage.

5. Commercial Umbrella Liability – Extra coverage when you need it most, beyond your standard liability policies.

6. Business Auto Insurance – Protect your vehicles used for business purposes, whether it’s a van or a truck.

7. Workers’ Compensation – Keep your workers safe and covered in case of work-related injuries.

8. NYS Disability Insurance – Ensure compliance with New York State requirements for disability insurance.

9. Bid and Performance Bonds – Ensure that you meet the obligations and requirements of your clients on large projects.

6. Knock knock.

Who’s there?

Tools.

Tools who?

Tools that get the job done, just like BGES Group’s policies. They’ll keep you protected so you can focus on your work.

Let BGES Group handle the details while you focus on using your tools to get the job done right.

7. Knock knock.

Who’s there?

Help.

Help who?

Help you save money, time, and stress with BGES Group. They’re the insurance pros who’ve got your back.

Need help? BGES Group’s got it covered with expert advice and affordable options.

8. Knock knock.

Who’s there?

Quote.

Quote who?

Quote that makes sense—no complicated jargon, just easy-to-understand policies.

Forget about the fine print that’s impossible to read. BGES Group makes everything clear and simple.

9. Knock knock.

Who’s there?

Risk.

Risk who?

Risk-free insurance with BGES Group, where your business is always in good hands.

No need to gamble with your business—BGES Group keeps your contractor business protected from all angles.

10. Knock knock.

Who’s there?

BGES.

BGES who?

BGES Group—your top choice for contractor business insurance in New York.

You know who they are, and now you know why they’re the best!

Ready to get the best insurance for your New York contractor business? Contact BGES Group today for personalized, affordable insurance that’s all about you and your needs.

Contact Gary Wallach at BGES Group

Call: 914-806-5853

Email: bgesgroup@gmail.com

Let BGES Group show you how they can take the stress out of insurance—while giving you the best coverage for your contractor business!

If you’re a business owner in New York, New Jersey, or Connecticut, finding reliable, cost-effective workers’ compensation insurance can be challenging. This is where BGES Group steps in, offering specialized programs and personalized services to help Tri-State businesses streamline their workers’ compensation needs and save money. Here’s how BGES Group can solve many of the common issues business owners face:

10 Key Challenges BGES Group Can Solve

1. Lowering Premiums: BGES Group has a network of carriers and can shop around to get you the most competitive rates available.

2. Finding New Coverage: Whether you’ve faced cancellations, high claims history, or are in a high-risk industry, BGES Group can find a provider that will cover your business.

3. Eliminating Invasive Audits: Many business owners dread annual audits, which can be disruptive and stressful. BGES Group offers programs that help you avoid these invasive annual audits.

4. Proper Classification of Employees: Misclassification can result in overpayment. BGES Group ensures accurate employee classification, helping to optimize premiums.

5. Multi-State Coverage: For businesses operating across state lines, BGES Group provides seamless multi-state workers’ compensation solutions.

6. Quick Turnaround for Certificates: BGES Group understands that you may need certificates fast—often within minutes—so you’re not left waiting and can get to work quickly.

7. No Extra Service Fees: BGES Group offers transparent pricing with no additional service or policy fees.

8. Integrated Payroll Options: They offer a combined payroll and workers’ comp service that simplifies administration and ensures compliance.

9. Access to High-Risk Coverage: They have special programs specifically designed for high-risk industries like construction and transportation.

10. Dedicated Industry Expertise: BGES Group’s deep understanding of industry-specific requirements allows them to tailor policies and services for different fields.

Special Programs for Targeted Industries

BGES Group offers unique, industry-focused programs for:

• Contractors: BGES Group has programs designed specifically for contractors, addressing unique risks and requirements for general contractors and specialty trades.

• Transportation Companies: Whether you operate a trucking company or manage a logistics fleet, BGES Group’s transportation program is built to handle your industry’s complex coverage needs.

• Manufacturers: Manufacturing operations come with their own set of risks. BGES Group provides tailored solutions to protect your business effectively.

• Auto Services: For auto shops and related services, BGES Group offers coverage that meets the specific insurance needs of this sector.

• Limousine Services: Limousine and other passenger transport services can rely on BGES Group for robust coverage that protects against unique risks and liabilities in this industry.

Customer Testimonials

Here are some Google reviews from clients who’ve had great experiences with BGES Group:

1. “BGES Group helped us save significantly on our workers’ comp. They found a provider willing to take on our high-risk profile and made the process easy.”

2. “Quick service and great support. We needed a certificate on short notice, and BGES Group had it ready in minutes.”

3. “As a construction company, we needed someone who understands our unique needs. BGES Group delivered with a tailored plan at a fair rate.”

4. “Professional and responsive. They clarified a lot of the confusing details for us, and we’re very happy with their service.”

5. “The best decision we made for our company’s insurance needs. They take care of everything and are always there when we need them.”

Contact BGES Group

BGES Group is the workers’ compensation insurance specialist for Tri-State businesses. If you’re looking for personalized service, competitive pricing, and a team that truly understands your industry, reach out to BGES Group today.

Contact Information:

• Phone: 914-806-5853

• Email: bgesgroup@gmail.com

• Website: www.bgesgroup.com

With BGES Group, you’re not just getting an insurance policy—you’re gaining a dedicated partner in protecting your business.