Let’s face it, New York construction isn’t always the smoothest ride, but what if I told you there are ways for contractors like you to hit the big time? Here are 10 foolproof (or not so foolproof) ways to strike it rich in the Empire State.

1. Marry a Rich Socialite

Hey, it worked for some, right? Rub elbows at the hottest Manhattan cocktail parties, lock eyes across the room with someone named Bitsy or Muffy, and before you know it, you’re sipping champagne on a yacht named “Inheritance.”

2. Have Your Stock Go Up 5000%

Why sweat through another project when you can ride the stock market roller coaster? Imagine investing in a small tech stock today and watching it skyrocket 5000% next week. Risky? Sure. But if it pays off, you’ll never touch a hammer again.

3. Use BGES Group as Your Construction Insurance Specialists

You know what’s a more realistic way to save big bucks and grow your business? Partner with BGES Group for your construction insurance needs. We’ll get you quality coverage at competitive rates. No yachts required (though we won’t stop you from buying one).

Coverages Offered:

A. Property

B. General Liability

C. Commercial Umbrella Liability

D. Business Auto

E. Workers’ Compensation

F. NYS Disability

G. Bid & Performance Bonds

H. Group Health

4. Discover Oil While Digging a Foundation

You’re digging a foundation for a new high-rise, and bam! Oil starts gushing. Stranger things have happened, right? Just be sure to finish the project before you head off to Texas in a cowboy hat.

5. Land a Celebrity Client

If you’re remodeling Taylor Swift’s penthouse, chances are you’re in for a payday. Bonus points if she writes a song about you after.

6. Flip a Warehouse in Brooklyn

You bought that warehouse in Bushwick for $200k back in the day, and now it’s worth $5 million. Time to trade in those work boots for designer loafers.

7. Win the Lottery (Hey, Someone Has To!)

You can’t win if you don’t play! Whether it’s Mega Millions or a scratch-off at the local bodega, this could be your golden ticket.

8. End Up in a Rich Aunt or Uncle’s Will

Family feuds aside, having that distant rich aunt or uncle who’s fond of you could pay off big time. Make sure you stay on their good side. Weekly calls wouldn’t hurt either.

9. Sell Your Contracting Business for a Fortune

Build your business to the point where a massive construction conglomerate just can’t resist. Cash out, then spend your days lounging in the Hamptons.

10. Go Viral for Your Construction TikTok

Everyone loves a good “before and after” video. Create some entertaining (or absurd) content, go viral, and let those sponsorship deals roll in. Suddenly, you’re a contractor by day and social media influencer by night.

Ready for Real Wealth? Start with BGES Group

While we can’t promise yachts or viral fame, we can promise top-notch construction insurance at competitive rates. Don’t leave your business’s financial future to chance—protect it with the right coverage.

Contact Gary Wallach at BGES Group today!

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Who knows? It might just be your first step to striking it rich (or at least, staying safe while you try).

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

    1.       Steady Business Growth

Contractors want their business to grow steadily with a consistent flow of projects, happy clients, and increased revenue. Expanding their operations and reputation is always a top priority.

    2.       Reliable Insurance Coverage

When it comes to insurance, contractors wish for coverage they can trust. They want protection that shields them from legal and financial risks while being cost-effective. Finding a broker who understands construction-specific needs is crucial.

    3.       Work-Life Balance

Contractors often juggle long hours and stressful projects. They wish for a better work-life balance, so they can manage their business while spending more time with loved ones.

    4.       Peace of Mind from Legal Liability

With New York’s strict labor laws (like Labor Laws 240 and 241), contractors wish for peace of mind. They need insurance coverage that protects them from legal liability and potential lawsuits. This security allows them to focus on their work.

    5.       A Partner Who Understands Their Work

In love, contractors wish for a partner who understands the demands of their profession. Late nights, weekend projects, and dealing with clients are part of the job, and they want someone supportive through it all.

    6.       An Insurance Broker That Picks Up the Phone

Nothing is more frustrating than not being able to reach your insurance broker in a time of need. That’s why many contractors rely on BGES Group as their broker. BGES Group answers the phone when you call and knows what they’re doing when it comes to New York construction insurance.

    7.       A Smooth-Running Job Site

Contractors wish for jobs that run smoothly with no major hiccups. On-time deliveries, compliant workers, and safe job sites keep their business running efficiently, leading to satisfied clients.

    8.       Understanding Insurance Claims

In the event of a claim, contractors want a broker who not only understands the claims process but is also proactive in guiding them through it. They wish for timely claim resolutions that minimize disruptions to their operations.

    9.       Supportive Relationship

In their love life, contractors wish for a supportive relationship where their partner encourages their business goals. They want someone who cheers them on during tough times and celebrates their successes.

    10.     Tailored Insurance Solutions

Contractors wish for insurance policies that are specifically tailored to their business. They want solutions that fit their needs, whether they are handling a small residential job or a large commercial project. Working with a broker who knows their unique challenges makes all the difference.

Contact BGES Group

For expert insurance solutions tailored to New York contractors, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. BGES Group is here to help with all your construction insurance needs.

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

In the hit Netflix series Nobody Wants This, Rabbi Jonah’s wit and wisdom often steal the show. If he were to sit down with a group of New York contractors, offering them his unsolicited advice, he would no doubt have a lot to say about how they should handle their workers’ compensation insurance. Of course, he would insist they turn to none other than Gary Wallach and BGES Group. Here are 10 reasons Rabbi Jonah might give, with his trademark humor:

1. “Your business is like a big family, and family means never letting Cousin Avi handle your insurance.”

Why leave something as important as workers’ compensation to a distant relative when you could let Gary Wallach, the insurance maven, take care of it?

2. “Do you really want to spend Shabbat worrying about your premiums?”

Trust BGES Group, and you’ll sleep soundly knowing Gary has handled your workers’ comp insurance like a true mensch.

3. “BGES Group is like a Kiddush, they bring everyone together – contractors, workers, even the underwriters.”

If anyone can unite people from different sides of the business and get you the right coverage, it’s Gary and his team.

4. “Gary Wallach knows more about insurance than your bubbie knows about brisket!”

And you wouldn’t trust just anyone with your bubbie’s brisket recipe, would you?

5. “Workers’ comp is like trying to build a sukkah in a hurricane – you need real help.”

Don’t try and go it alone. You need a pro like BGES Group to keep your business from blowing away in the storm of legal requirements.

6. “If you think Yom Kippur is stressful, wait until you try getting a workers’ comp claim settled without the right coverage.”

Do yourself a favor. Let Gary handle the stress, so you can focus on more important things – like breaking your fast.

7. “BGES Group knows the Talmud of insurance, and Gary Wallach is your rebbe.”

Navigating workers’ compensation insurance can be as complex as interpreting the Talmud. Lucky for you, Gary is ready to explain it all, with patience.

8. “You don’t need a miracle to get good workers’ comp insurance – you just need BGES Group.”

Miracles are for splitting seas and finding parking in Manhattan. Workers’ comp is best left to the professionals at BGES Group.

9. “Gary Wallach has chutzpah – the kind you want in an insurance broker.”

You don’t want someone timid negotiating your insurance. You want someone who will stand up for you, even against the big insurance companies.

10. “Hiring BGES Group is like finding out your contractor didn’t overcharge you – a rare, blessed event!”

Gary Wallach ensures you get fair pricing and great coverage, which is almost as miraculous as finding a contractor who finishes on time.

Contact BGES Group for Your Workers’ Compensation Insurance Needs

Rabbi Jonah knows that running a business is tough, but finding the right workers’ compensation insurance doesn’t have to be. With BGES Group, you’re in expert hands. Gary Wallach and his team specialize in helping New York contractors get the coverage they need at competitive prices.

To find out more about how BGES Group can help you, contact Gary Wallach today:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

Let Gary and BGES Group take care of your insurance so you can take care of your business (and enjoy a stress-free Shabbat).

If you’re a contractor in New York, you’ve probably noticed that workers’ compensation rates are climbing higher and higher. Many business owners feel trapped, paying exorbitant premiums year after year, unsure if there’s a way out. But here’s some good news: BGES Group offers a specialized workers’ compensation program that could save you up to 30% on your payroll service, workers’ comp premium and even group health insurance costs—and much more. This program is designed to meet the specific needs of contractors, offering a comprehensive solution that bundles payroll services, workers’ compensation insurance, and even group health insurance.

Imagine slashing your workers’ comp costs while simplifying your operations. Let’s dive into how this program can transform your business and save you thousands.

A Holistic Solution: Workers’ Compensation, Payroll, and Group Health Insurance in One Package

At BGES Group, we understand that managing workers’ compensation insurance is just one piece of the puzzle. That’s why we offer a program that doesn’t stop at offering competitive insurance rates. We bundle workers’ compensation insurance with payroll services and group health insurance to offer a comprehensive, cost-effective solution. By combining these services, you can streamline your administrative processes and reduce the headaches that often come with managing payroll, insurance audits, and employee benefits.

With this program, you could save up to 30% on all costs while also simplifying your payroll and employee benefits processes. This means more time to focus on your business and less time worrying about paperwork, audits, and compliance issues.

Payrolls Properly Classified—No More Surprises at Audit Time

One of the major reasons why many contractors end up paying more than they should for workers’ compensation insurance is misclassified payrolls. Incorrect payroll classification can lead to unexpectedly high premiums and costly audit adjustments.

With BGES Group’s program, you won’t have to worry about that anymore. Program works closely with you to ensure that all your employees are classified correctly, so you won’t be hit with unpleasant surprises down the road. Proper classification can significantly reduce your premiums and make sure you’re not overpaying for coverage.

This attention to detail helps contractors avoid the common pitfalls that come with workers’ comp audits. Our goal is to ensure your payroll is set up the right way from the start, so you can avoid unnecessary expenses and stress.

Simplified Audits—In Some Cases, No Audit Needed

Speaking of audits, how would you like to simplify or even avoid them altogether? One of the biggest headaches for contractors is the annual workers’ comp audit, where insurance carriers review your payroll records and determine if you owe additional premiums based on misclassifications or underreported payroll.

Our program aims to take the stress out of audits. In many cases, your workers’ comp premiums will be based on actual, real-time payroll data, eliminating the need for comprehensive annual audits. This system prevents you from being hit with additional fees or adjustments at the end of the year. With BGES Group’s program, you’ll always know exactly where you stand, without the looming fear of a costly audit hanging over your head.

Leave the Forms and Filings to Us: 941s and NYS-45 Forms Handled

Managing payroll isn’t just about cutting checks—it’s about staying compliant with tax filings and state regulations. If you’re a contractor in New York, you’re familiar with the headache that comes with filing federal 941 forms and New York State NYS-45 forms. These quarterly filings can be complicated and time-consuming, and many contractors end up spending thousands of dollars in accountant fees to make sure everything is done right.

With BGES Group’s program, these filings are handled for you by our payroll service. This means no more time wasted on tax forms, and no more hefty accountant bills. We ensure that your 941s and NYS-45 forms are filed accurately and on time, freeing you up to focus on running your business.

By saving on accountant fees and simplifying your tax obligations, you’ll see how this program delivers value far beyond workers’ compensation savings.

Gain Access to a Human Resource Department

In addition to saving on workers’ comp and simplifying your payroll, BGES Group’s program also provides access to a human resources department to assist with employee-related issues. Whether it’s help with hiring practices, addressing workplace disputes, or managing compliance with labor laws, our program’s HR department is here to support you.

As a contractor, you’ve got enough on your plate without worrying about HR headaches. With BGES Group’s program, you’ll have access to expert guidance and support for any employee issues that come your way. This service helps you maintain a productive, compliant, and motivated workforce, all without the added cost of hiring in-house HR personnel.

Save Money and Simplify Your Operations with BGES Group

If you’re tired of paying too much for workers’ compensation insurance, BGES Group is here to help. Our program offers contractors the chance to cut their costs by up to 30%, all while simplifying payroll, avoiding costly audits, and streamlining HR processes.

Here’s what you’ll get with BGES Group’s program:

        •         Up to 30% savings on payroll service, workers’ compensation and even group health premiums.

        •         Accurate payroll classification to avoid audit surprises.

        •         Simplified or no audit process, so you’ll always know what to expect.

        •         Tax filings (941s and NYS-45 forms) handled by our payroll service—no more expensive accountant fees.

        •         Access to a human resources department for help with employee issues.

Stop overpaying for workers’ compensation and start saving with BGES Group today.

Contact BGES Group

For more information about how BGES Group can help your contracting business save on workers’ compensation, payroll, and health insurance, reach out to us today. We’re here to offer the personalized, boutique-like service that New York contractors love, helping you streamline your business operations and save thousands.

Contact Gary Wallach at BGES Group:

Phone: 914-806-5853

Email: bgesgroup@gmail.com

http://www.bgesgroup.com

Let us show you how much you can save and how much easier managing your business can be with the right program in place!

Picture this: you’re a New York contractor, hard hat on, clipboard in hand, ready to tackle the next skyscraper. But before you can even think about the job, you’ve got to figure out insurance. Now imagine you’ve hired BGES Group—and somehow, you find yourself on stage with a few comedy legends. What would Johnny Carson, David Letterman, Bob Newhart, Lily Tomlin, and Steve Martin have to say about your decision?

1. Johnny Carson:

“So, you hired BGES Group for your insurance needs? Well, that’s fantastic—because when a wrecking ball swings through your lunch break, you’ll be glad they cover everything, including your sandwich!”

2. David Letterman:

“Top Ten Reasons Contractors Hire BGES Group. Number 1: They cover you even when your subcontractor accidentally builds the foundation on the neighbor’s lawn!”

3. Bob Newhart:

“I just… I just can’t believe… you hired an insurance group to cover both your backhoe… and your back pain. That’s, uh, that’s a lot of confidence in one company.”

4. Lily Tomlin:

“Hiring BGES is like asking Ernestine to handle your insurance claims. ’Oh, I’m sorry, honey, I can’t hear you over all the benefits BGES provides—let me connect you to the department of We’ve Got You Covered!’”

5. Steve Martin:

“You know, I once had an insurance claim so confusing, even the adjuster needed insurance. But with BGES, it’s all crystal clear—like a plumber’s estimate, only they won’t hit you with the ‘surprise leak’ later.”

BGES Group Offers the Following Coverages:

        •         Property

        •         Inland Marine

        •         General Liability

        •         Umbrella Liability

        •         Business Auto

        •         Workers’ Compensation

        •         NYS Disability

        •         Bid and Performance Bonds

        •         Group Health

6. Johnny Carson:

“Well, with all that coverage, hiring BGES is like putting your insurance on cruise control. Just, you know, without the risk of crashing into something expensive.”

7. David Letterman:

“Number 2: BGES Group won’t just cover your mistakes; they’ll make them disappear faster than a disappearing act on my show!”

8. Bob Newhart:

“I can see it now: ’Hello, BGES? Yes, it’s me again. You know how I dropped that pallet of bricks? Well, good news, I found my hammer… bad news, I also found the plumbing.’”

9. Lily Tomlin:

“Darling, BGES knows their stuff! They’ll have you so covered, you’ll feel like you’re walking around with an insurance quilt. Cozy, and probably flame-retardant!”

10. Steve Martin:

“Hiring BGES for your insurance is like hiring me for your wedding—it’s going to be fun, smooth, and nobody gets hurt. Well, almost nobody.”

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

As a New York contractor, you may take on projects that extend beyond state lines, including neighboring New Jersey. When you accept such jobs, it’s important to be aware of the legal and financial obligations regarding workers’ compensation insurance. Many contractors mistakenly assume that their New York workers’ compensation policy will cover their employees no matter where they work. However, this is not the case. Failure to secure proper coverage in New Jersey could leave you exposed to significant financial risk.

New York State Fund: Coverage Limits and Liabilities

If you’re insured through the New York State Insurance Fund (NYSIF) or any other New York workers’ compensation provider, your policy strictly adheres to New York State law. This means that benefits for any work-related injury are only payable according to New York’s laws, and they may not extend to cover claims arising from incidents that occur out of state.

For instance, if one of your employees is injured while working on a New Jersey project and they decide to receive treatment or file a workers’ compensation claim in New Jersey, your New York coverage will likely not apply. The subcontractor would then be financially responsible for the difference between what the New York policy would cover and what New Jersey’s workers’ compensation laws require. This gap could lead to out-of-pocket expenses or potential lawsuits from the injured employee.

Why New Jersey-Specific Workers’ Compensation Coverage is Essential

If you’re a subcontractor taking on a job in New Jersey that lasts several months or more, you must purchase a separate workers’ compensation policy that covers the state of New Jersey. New Jersey’s workers’ compensation laws may differ in terms of benefit levels and types of compensable injuries, and having the wrong coverage could leave you vulnerable.

For example, if one of your employees is injured on the job in New Jersey, they might opt to receive care and file their workers’ comp claim within that state’s system. If your policy doesn’t include New Jersey coverage, your insurance won’t pay the claim, and you could be held personally responsible for medical bills, lost wages, and other damages that New Jersey law mandates.

General Contractors’ Workers’ Comp Audits and the Risks for Subcontractors

When you’re hired as a subcontractor, the general contractor (GC) often has their own workers’ compensation policy that will be subject to an annual audit. During this audit, the GC’s insurance carrier reviews all aspects of their payroll, including the payrolls of any subcontractors who worked on their projects.

If the subcontractor does not have the correct workers’ compensation coverage—such as not having coverage for the state of New Jersey—the GC’s policy may have to pick up the slack. The GC’s workers’ compensation carrier will then be forced to account for the subcontractor’s payroll in their audit and include it under the GC’s policy. This can lead to significant premium increases for the GC, who may, in turn, hold the subcontractor financially responsible for the additional costs.

Additionally, failing to have the proper workers’ comp coverage could damage your relationship with the GC, potentially costing you future work opportunities. General contractors want to work with subcontractors who have the right coverage in place to avoid audit issues and the risk of increased premiums.

Avoid Financial Pitfalls: Ensure the Right Coverage

To protect yourself from these financial pitfalls, it’s critical to assess your workers’ compensation insurance needs whenever you take on a project outside of New York. In the case of working in New Jersey, ensure that your workers’ compensation policy explicitly covers the state. This may involve purchasing an endorsement or a separate policy that includes New Jersey.

Here’s what you need to keep in mind:

      1.       Check your coverage limits: Make sure your current workers’ comp policy covers any state you are working in. Most New York policies do not automatically cover out-of-state work.

      2.       Secure state-specific policies: If your project is in New Jersey or another state, obtain a workers’ comp policy specific to that jurisdiction.

      3.       Avoid GC audit headaches: If you work as a subcontractor, having the correct coverage helps avoid costly audits and keeps you in good standing with the general contractors you work with.

      4.       Financial responsibility for injuries: Without proper coverage, you may be personally liable for an injured worker’s benefits, which could result in substantial financial losses.

Conclusion: Partner with Experts for Proper Coverage

As a contractor working across state lines, ensuring you have the correct workers’ compensation coverage is crucial to protecting your business. The financial risks of not being properly insured—such as being held liable for injuries or causing a general contractor’s premiums to skyrocket—are simply too great.

For New York contractors who frequently take on work in other states, BGES Group can help. As experts in workers’ compensation insurance, we can assist in finding the right policy to ensure you’re fully protected whether you’re working in New York, New Jersey, or anywhere else. Don’t let improper coverage put your business at risk. Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com today to secure the workers’ compensation coverage you need for your next out-of-state project.

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

When employee files a federal Family and Medical Leave Act request to either deal with a health issue or care for a loved one, their employer is often put in a tight spot, particularly if the person serves a vital role in their organization.

There are also a number of rules that employers need to follow to avoid running afoul of the law and there are plenty who have been sued for it, a prospect that can be costly.

If you are confused about navigating the FMLA, here’s a handy list of mistakes to avoid.

Firing – It would be a bad idea to fire an employee if they’re unable to return to work following the end of FMLA leave that is due to their serious health condition. Better to find out if the employee is entitled to any additional time off under employment laws or through company policies.

The Americans with Disabilities Act (ADA) may consider granting of additional leave “reasonable accommodation,” in legal terms.

That definition comes from determining whether the employee’s condition is a disability. Under the ADA, most serious health conditions as defined by the FMLA are considered disabilities. If you’re in doubt, ask your legal counsel for advice.

Then you have to figure out whether the requested time off is legally considered “reasonable.” Under the ADA, you as an employer don’t have to grant leave as an accommodation if it poses “hardship” or “undue hardship” to your organization.

Miscalculation – You are able to calculate FMLA leave by either calendar year, any fixed 12-month period, or the 12 months measured forward from when an employee’s FMLA leave begins. It can also be calculated backward from a 12-month period from the date an employee uses the leave.

Deadlines – Meeting FMLA deadlines for processing requests for leave under its guidelines is critical. Within five business days of learning an employee has requested FMLA leave, you must provide them with the “Notice of Eligibility Rights and Responsibilities Form,” or something similar that your company has prepared.

Next, if you require the employee to file a certification form, you must allow them 15 calendar days to do so. Then, within five business days of receiving the certification form, you must provide the employee with an FMLA designation form that tells them whether the request has been approved.

But if the certification form is incomplete or insufficient, you then must allow the worker seven calendar days to make necessary corrections. You must give written notice to employees of all deadlines, and the consequences of failing to meet them.

Reassignment – If you want to reassign an employee on FMLA leave for better efficiency, you can only do so for employees who need intermittent or reduced schedule leave.

Reassignments can be done for the employee, family or covered service member if such leaves are a planned medical treatment, a period of recovery from a serious health condition, or due to the birth of a child or placement of a child into adoption or foster care. Beyond that, the reassignment is to be only as long as is required by the leave period.

You are also prohibited from transferring employees to a position to discourage them from taking FMLA leave. That means you can’t demote them from marketing supervisor to customer service rep, even if their pay and benefits remain the same at the reassigned position.

Meanwhile, you may not require a transfer to another job when the employee’s need for an intermittent or reduced schedule is unforeseeable.

The takeaway

As you can see, the FMLA is a veritable minefield for employers and, if an employee requests leave under the law, you must make sure you don’t do anything to infringe on their rights, lest you open your organization to being sued.

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

In today’s fast-evolving construction industry, New York contractors face a range of risks beyond the job site, including those associated with employment practices. Employment Practices Liability Insurance (EPLI) is designed to protect businesses from claims made by employees related to wrongful employment acts, providing a vital layer of protection for contractors.

What Does EPLI Cover?

EPLI covers claims made by employees (current, former, or prospective) involving wrongful acts in the employment process. These can include:

– Discrimination (based on age, gender, race, disability, etc.)

– Wrongful termination

– Sexual harassment

– Retaliation

– Breach of employment contract

– Defamation, libel, or slander

– Invasion of privacy

– Labor disputes

While general liability policies typically cover bodily injury or property damage, they don’t protect against employment-related claims. That’s why EPLI is crucial for contractors who employ staff and work closely with subcontractors, project managers, and laborers.

Three Examples of Potential Claims

1. Discrimination Claim 

  A construction company hires a new project manager. After a few months, the employee feels they are being passed over for promotions due to their race. They file a lawsuit claiming racial discrimination. Without EPLI, the business would have to cover legal fees and potential settlement costs out of pocket.

2. Sexual Harassment Claim 

  A foreman is accused of sexual harassment by a female employee who alleges inappropriate comments were made on a job site. Even if the claim is unfounded, the legal costs to defend against it can be staggering. EPLI helps cover these defense costs and any settlements or judgments if the case is lost.

3. Labor Rate Discrepancies 

  In the current construction environment, labor rate disputes are becoming a common issue. Employees or subcontractors may claim they were underpaid or not compensated according to the terms of the contract. These types of lawsuits can be complex, involving wage disputes or discrepancies in pay between male and female workers. Having EPLI coverage can help protect your company from the significant costs involved in defending against these claims and any resulting judgments.

Why Turn to BGES Group?

In today’s market, many large insurance agencies are starting to charge exorbitant policy fees, adding unnecessary costs to businesses that are already feeling the pressure. BGES Group is different. We’re one of New York’s premier construction insurance specialists, offering mom-and-pop boutique-like service designed to cater to your specific needs. We understand the risks New York contractors face and work closely with you to tailor a policy that provides the best coverage at competitive rates.

Don’t get lost in the shuffle of large, factory-like agencies. At BGES Group, we focus on delivering personalized service and solutions without the excessive policy fees. We’re here to help you navigate the complexities of Employment Practices Liability Insurance and protect your business from the growing risks that come with being an employer.

Contact Information

For a consultation or to learn more about how EPLI can protect your business, contact Gary Wallach at BGES Group today.

– Phone: 914-806-5853 

– Email: bgesgroup@gmail.com 

– Website: https://www.bgesgroup.com

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

Labor Laws 240 and 241, commonly known as the “Scaffold Laws,” have contributed significantly to rising liability insurance rates for contractors in New York. These laws impose strict liability on contractors and property owners for worker injuries, specifically fall-related accidents. Because liability is automatic, even if the contractor or property owner was not negligent, insurance companies see these claims as high-risk, which has led to a surge in insurance premiums. With frequent lawsuits and the potential for large settlements or judgments, insurers have raised their rates to cover these risks, making it more expensive for contractors to maintain proper liability coverage.

What Are Labor Laws 240 and 241?

Labor Law 240 (Scaffold Law): This law mandates that contractors and property owners provide fall protection for workers who are working at elevated heights. It holds contractors and property owners strictly liable for injuries that result from falls, regardless of whether they were at fault for the incident.

Labor Law 241: This law extends safety requirements beyond fall protection, requiring contractors and property owners to follow specific construction safety standards to prevent accidents. These standards apply to a variety of construction-related tasks, including the safe operation of machinery and equipment. If contractors or property owners fail to adhere to these regulations, they can be held liable for injuries that occur.

Three Examples of Labor Law Liability Claims:

1. Falling from Scaffolding: A worker falls from a scaffold that was not properly secured, resulting in serious injury. Under Labor Law 240, the contractor and property owner are held strictly liable for the accident, even if the worker was not following safety guidelines.

2. Falling Objects: A worker is struck by a falling tool or piece of construction material from an elevated worksite due to improper safety measures. Labor Law 240 holds the contractor and property owner responsible for the failure to provide proper protection against falling objects.

3. Ladder Accident: A worker falls from an unstable or improperly secured ladder while working at a height. Under Labor Law 240, the contractor and property owner are automatically liable for the injury due to their failure to provide a safe work environment.

Three Examples of Labor Law Claims Involving Subcontractors, General Contractors, and Property Owners:

1. Subcontractor’s Employee Injury: A subcontractor’s worker is injured when falling from an improperly installed scaffold. While the subcontractor’s workers’ compensation policy covers the medical costs, the injured worker files an action over claim against the general contractor (GC) and property owner, arguing that the accident was due to unsafe working conditions. The GC and property owner are held liable under Labor Law 240, and their liability insurance will cover the costs.

2. Property Owner’s Liability: A worker employed by a subcontractor is injured in a fall from a height because the property owner failed to provide adequate fall protection. The worker files a lawsuit against both the subcontractor and the property owner. In this case, the property owner’s liability insurance, with Labor Law coverage, will handle the defense and any resulting judgment.

3. General Contractor Liability: A subcontractor’s employee suffers a fall due to inadequate scaffolding at the worksite. The injured worker files a lawsuit against both the subcontractor and the general contractor. The general contractor’s insurance, which includes Labor Law coverage, will respond to the lawsuit and provide legal defense, as the GC is ultimately responsible for ensuring a safe worksite.

Importance of Insurance and Hold Harmless Agreements for General Contractors

For general contractors (GCs), it is vital to have a hold harmless agreement in place with subcontractors. This agreement ensures that subcontractors are responsible for certain liabilities, particularly in the event of an accident. Furthermore, GCs should require subcontractors to list them as additional insureds on their insurance policies, providing the GC with coverage under the subcontractor’s liability policy in the event of a claim. The agreement should also address contractual liability, ensuring that the GC’s policy covers any obligations the subcontractor has agreed to under the contract.

Additionally, GCs should request a waiver of subrogation from the subcontractor’s insurance. This waiver prevents the subcontractor’s insurer from pursuing the GC for recovery of damages after a claim. Finally, the GC’s insurance policy should include primary and non-contributory coverage, meaning the subcontractor’s insurance is the primary source of coverage, and the GC’s policy only comes into play if the subcontractor’s coverage is exhausted. These measures help ensure that the GC is protected from the financial fallout of any accidents or lawsuits.

Why Contractors Exclude Labor Law Coverage and the Risks They Face

Many contractors choose to exclude Labor Law 240 and 241 coverage from their liability policies due to the high premiums associated with it. However, this decision can have devastating consequences if a claim is filed under these laws. Without coverage, contractors could face lawsuits that could wipe out their business. In the event of a fall-related injury or accident on-site, the contractor may be held responsible, and without the proper insurance coverage, they could be exposed to significant legal and financial risk. Contractors who exclude this coverage may face “knockout-of-business” lawsuits, potentially leading to bankruptcy or the closure of their operations.

How BGES Group Can Help

BGES Group is one of New York’s leading construction insurance specialists, offering tailored insurance solutions for contractors facing the challenges posed by Labor Laws 240 and 241. With years of experience in the construction industry, BGES Group understands the intricacies of workers’ compensation, general liability, and labor law coverage, and they are committed to providing competitive pricing and expert advice.

If you’re struggling with rising insurance rates or need to find a new insurance company that offers comprehensive Labor Law coverage, BGES Group can help you find the right policy. Their team works closely with contractors to ensure that all coverage needs are met, including liability protection, workers’ compensation, and additional insured agreements with subcontractors.

For more information, contact Gary Wallach at BGES Group:

– Phone: 914-806-5853 

– Email: www.bgesgroup@gmail.com

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

For New York contractors, obtaining liability insurance quotes is a crucial step in ensuring that their business is protected from potential claims and liabilities. The process can be complicated, but the key to success is organization. The more organized and prepared a contractor is, the smoother the process will be. Here’s a breakdown of the information typically required to secure the best possible coverage at the best possible rates.

Organization is Key

When it comes to obtaining liability insurance quotes, contractors who have been in business for several years will likely have a standard set of documents readily available. Staying organized and keeping detailed records helps ensure that the process is seamless, especially when dealing with multiple insurance companies. The following information is usually needed:

1. Completed Contractor Questionnaire

This is one of the first steps in the insurance process. The contractor will need to complete a detailed contractor questionnaire that includes a thorough description of the type of work they do. Insurance providers use this to assess the risks associated with the business, so the more detailed and accurate the description, the better. This ensures the contractor receives an accurate quote that matches the scope of their business operations.

2. Five Years of Liability, Auto & Workers’ Compensation Loss Runs

Insurance companies will want to review your history of claims before offering a quote. Contractors will need to provide five years’ worth of liability, auto, and workers’ compensation loss runs. These loss runs are a record of all claims made on previous policies and can significantly impact the rates a contractor receives. The cleaner the loss history, the better the chance of obtaining favorable rates.

3. Schedule of Four Largest Projects in the Past Five Years

Contractors will also need to submit a schedule of their four largest jobs completed in the past five years. This list provides the insurance company with insight into the scope of the contractor’s past projects and the level of risk involved. Including detailed information such as the location and description of work done, value of job, # on site employees, # of subcontractors, start and end dates is essential for obtaining an accurate quote.

4. Schedule of Four Largest Ongoing Projects

In addition to a history of completed jobs, insurance providers will also want to know about any ongoing projects. A schedule of current or upcoming work will help the insurance company assess any ongoing liabilities or risks that may affect the contractor’s coverage needs. This can include information about the location and description of work, value of job, # on site employees, # of subcontractors, start and end dates of projects.

5. Signed Insurance and Hold Harmless Agreements from Subcontractors

Contractors often work with subcontractors, and insurance companies will want to know that these subcontractors are properly covered. Contractors will need to provide two signed insurance and hold harmless agreements from their subcontractors. This should also include updated certificates of insurance. This shows that subcontractors have their own liability coverage and will hold the contractor harmless in the event of a claim.

6. Resumes on Owners

Finally, the insurance company may require resumes for the company owners. This helps the insurer assess the experience and qualifications of those managing the business. This is an important part of understanding the contractor’s ability to manage risks and ensure safety on job sites. Owners with extensive experience in the industry can often help lower insurance costs by showing they are proactive in mitigating risks.

Why Choose BGES Group?

BGES Group is one of New York’s construction insurance specialists. Our office offers boutique-like service, providing contractors with personalized attention and expertise. We understand the complexities of New York’s construction insurance market and are dedicated to helping contractors secure the best coverage at competitive rates.

At BGES Group, we pride ourselves on being accessible and responsive. You can easily reach us whenever you need assistance, and we will work closely with you to ensure your business is properly protected.

Contact Gary Wallach Today

If you are a New York contractor looking for liability insurance, look no further than BGES Group. Contact Gary Wallach, one of the top insurance experts in New York for construction, to get the personalized service you deserve.

Phone: 914-806-5853 

Email: bgesgroup@gmail.com 

Let BGES Group help you navigate the insurance landscape with confidence and ease!

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