In today’s construction industry, insurance costs are at an all-time high. Contractors are constantly faced with the challenge of managing these expenses while ensuring their businesses are adequately protected. Liability, workers’ compensation, and business auto insurance are essential coverages, but when rates keep rising, it’s necessary to prioritize which coverages are most critical.

At BGES Group, we understand the pressure you’re under. However, it’s important to be aware of additional coverages that could make a significant difference in the event of unforeseen circumstances. If your budget allows, here are a few other types of protection you may want to consider:

1. Building and Contents Insurance & Business Interruption Coverage

This coverage ensures your physical assets—like your office, warehouse, or storage facilities—are protected in the event of damage from fire, storms, or vandalism. But equally important is business interruption coverage, which steps in to cover lost income if your operations are halted due to such events. These are particularly valuable for contractors who store expensive materials or equipment onsite. If you have extra dollars in your insurance budget, this is an area worth investing in to ensure your business can recover quickly from unexpected setbacks.

2. Equipment Coverage

Contractors rely on specialized tools and machinery to get the job done. Whether it’s excavators, cranes, or smaller but equally vital items like power drills, losing access to this equipment due to theft or damage can halt progress on your projects. Equipment coverage protects you from having to pay out-of-pocket to repair or replace costly items, ensuring that downtime is minimized.

3. Employee Tools Coverage

Your workers bring their own tools to the job site, and sometimes these tools are just as important as the equipment owned by your business. If their tools are damaged, stolen, or lost, productivity can take a hit. Employee tools coverage helps ensure that your workforce can get back to work without long delays or out-of-pocket expenses for replacements.

4. Employee Benefits Liability

Managing employee benefits is complex, and even small mistakes in handling health insurance, retirement plans, or other benefits can lead to costly lawsuits. Employee benefits liability provides coverage if claims are made against you for errors in administering your employees’ benefits. This can protect your business from significant financial losses due to oversight or miscommunication.

5. Employment Practices Liability

Workplace disputes involving harassment, discrimination, wrongful termination, or other employee-related issues can lead to expensive lawsuits. Employment practices liability insurance (EPLI) helps cover the costs of defending against these claims. With lawsuits against employers on the rise, this coverage is more critical than ever for safeguarding your business.

6. Cyber Insurance

In today’s digital age, construction companies are increasingly vulnerable to cyberattacks. Hackers may break into your computer systems, hold your data for ransom, or steal sensitive information to hack into your bank accounts or take out loans in your business’s name. Cyber insurance protects your business against these risks, covering the costs of recovering from cyberattacks and protecting your business from financial ruin.

Making Smart Choices with BGES Group

As a Tri-State contractor, your priority is to ensure you have the right coverage in place while balancing the high costs of insurance. BGES Group is here to help you navigate these choices and make the most of your insurance budget. We specialize in providing construction-specific insurance solutions, and we understand the unique risks you face.

If you’re unsure which coverages to prioritize or want to explore additional protection for your business, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. Our team is here to guide you in making informed decisions to protect your business and your bottom line.

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 business owner in the New York, New Jersey and Connecticut area, you’re probably feeling the pressure of rising healthcare costs. With group health insurance premiums climbing higher each year and the constant challenge of getting claims approved and paid on time, it’s clear that traditional approaches to managing employee benefits might not be the most efficient path forward. So, what can you do to ease this burden while still offering competitive benefits to your employees?

The answer might lie in an innovative solution that combines group health insurance with payroll and workers’ compensation services—something BGES Group offers. This bundled approach has the potential to save you up to 30% across the board, helping to protect your bottom line without compromising the quality of your employee benefits.

How Does BGES Group’s Offered Program Work?

The BGES Group offers a program that integrates payroll services, workers’ compensation, and group health insurance, creating a seamless, cost-effective solution for your business. Here’s how this unique approach benefits you:

1. Cost Savings: By bundling payroll, workers’ comp, and group health insurance, you can save up to 30% compared to managing these services separately. BGES Group offered program has negotiated special rates with well-known carriers, passing on those savings to you. These negotiated rates aren’t typically available to businesses when buying insurance on their own, meaning BGES Group’s offered program offers a significant financial advantage.

2. Flexible Workers’ Compensation Insurance Rates: Through partnerships with respected insurance carriers, BGES Group offered program offers flexibility in workers’ compensation rates. This allows your business to benefit from customized plans that fit your unique needs, ensuring you’re not overpaying for coverage that doesn’t serve you.

3. Group Health Insurance Savings: Group health insurance costs are notoriously difficult to control, but BGES Group’s offered program has worked out advantageous deals with large, well-established carriers. This means you’ll not only save on premiums but also experience fewer headaches when dealing with claims, thanks to their direct relationships with insurers.

Beyond Insurance: A Comprehensive Business Solution

One of the standout features of BGES Group’s offered program is the Human Resources (HR) assistance it provides. Managing HR compliance issues can be time-consuming and overwhelming, especially for small to mid-sized businesses. Through their program, BGES Group’s program offers access to HR experts who can assist with a range of compliance matters, including:

– Labor law compliance: Stay updated on the ever-changing regulations and avoid costly penalties.

– Employee onboarding: Streamline the onboarding process, ensuring that your HR systems are organized and efficient.

– Employee handbooks: Create or update employee handbooks to meet current legal standards and protect your business.

This added support means you can focus on what matters most—running your business—while BGES Group’s offered program helps manage the administrative and regulatory complexities.

Why Choose BGES Group?

With decades of industry experience, BGES Group understands the intricacies of business insurance and employee benefits better than most. Their partnerships with programs that offer top-tier carriers allow them to offer highly competitive rates while still delivering exceptional service.

Here are a few more reasons why businesses are turning to BGES Group for their insurance and payroll needs:

– Personalized Service: At BGES Group, you’re not just another client. We take the time to understand your business and customize our offerings to meet your specific needs.

– Streamlined Processes: By bundling services together, you reduce the number of vendors you need to manage, simplifying both your administrative workload and your financial commitments.

– Trustworthy Partnerships: BGES Group partners with some of the largest, most well-known insurance carriers, ensuring your business receives top-notch coverage at competitive rates.

How to Get Started

Getting started with BGES Group is easy. Whether you’re looking for a quote or just exploring your options, Gary Wallach and the team are ready to assist. All it takes is a quick consultation to discover how much you could save with their unique payroll, workers’ compensation, and group health insurance program.

Contact Gary Wallach at BGES Group today to learn more about how you can save on your group health insurance and streamline your business operations. You can reach Gary directly at 914-806-5853 or email bgesgroup@gmail.com for a no-obligation consultation.

With rising costs and an ever-changing insurance landscape, now is the time to take advantage of innovative solutions that not only provide excellent coverage but also put money back in your business’s pocket. Make the switch to BGES Group and see the difference for yourself.

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

Liability insurance is essential for New York contractors, offering protection from legal claims and financial losses that may arise on a construction project. Two critical aspects of contractor liability insurance are Blanket Additional Insureds and Blanket Waiver of Subrogation. However, the coverage provided by these clauses can vary significantly depending on the wording of the policy forms. Understanding these differences is crucial to ensure the right protection is in place.

Blanket Additional Insureds: A Closer Look

A Blanket Additional Insured endorsement allows contractors to extend their insurance coverage to other parties involved in a project, such as general contractors (GCs), property owners, or subcontractors, without naming each one individually in the policy. This simplifies the process and reduces administrative work for contractors. However, not all blanket additional insured endorsements are created equal, and the terms of coverage depend heavily on the policy wording.

Scheduled Additional Insureds: A Common Requirement

In some insurance forms, additional insureds must be scheduled for coverage to apply. This means that simply having a contractual agreement to add someone as an additional insured isn’t enough—you must list that party explicitly on your policy. If the contractor fails to do this, the additional insured (e.g., a GC or property owner) may not be covered in the event of a claim, leaving them vulnerable to liability.

Careful management of who is listed on the policy is crucial, especially for contractors working on multiple projects with various stakeholders. If you rely on a blanket additional insured clause but forget to schedule a party, you could face a denied claim.

Privity: What It Means for Additional Insured Coverage

In some cases, the policy language may specify that only additional insureds where there is privity of contract are covered. Privity refers to the direct legal relationship between two parties, typically established through a contract. For example, if a subcontractor has a direct contract with a general contractor, there is privity between them, and the subcontractor’s insurance may cover the GC as an additional insured.

However, if a property owner is not in direct contract with the subcontractor, and there is no privity, the property owner may not be covered by the subcontractor’s policy unless explicitly stated. Understanding whether your liability insurance requires privity is essential to ensure all parties that should be covered are protected.

Forms That Don’t Require Privity: Broader Coverage Options

Not all insurance forms require privity for additional insured coverage. Some policies will provide coverage as long as the additional insured is listed in a written contract—whether that contract is between the contractor and the GC, the subcontractor, or the property owner. In these cases, privity is not necessary, which can simplify the process of ensuring coverage for all relevant parties involved in a project.

These broader forms are typically preferred because they minimize the risk of unintentionally leaving a key stakeholder uninsured. As long as there’s a written contract specifying who should be included as an additional insured, the policy will extend coverage accordingly, even if there’s no direct contract (i.e., no privity) between the insured and the additional insured.

Blanket Waiver of Subrogation: Key Considerations

A Blanket Waiver of Subrogation is another critical component of contractor liability insurance. When an insurance company pays a claim, they usually reserve the right to “subrogate,” or seek reimbursement from another party who may be responsible for the loss. However, a waiver of subrogation prevents the insurer from pursuing legal action against other parties involved in the project, like GCs or property owners.

But as with additional insured clauses, blanket waiver of subrogation forms can vary significantly in terms of who is covered. Some forms require the waiver to apply only to parties that are explicitly scheduled on the policy. Other forms may only extend the waiver to parties with privity of contract, meaning a direct contractual relationship must exist for the waiver to be effective.

Finally, there are forms that provide broader coverage, extending the waiver of subrogation to all parties mentioned in a written contract, regardless of whether they are scheduled or have privity. These forms offer greater flexibility, ensuring that all necessary parties are protected from subrogation claims as long as they are included in the contract, reducing the potential for conflicts or litigation between stakeholders.

The Importance of Proper Coverage: BGES Group Can Help

Navigating the complexities of Blanket Additional Insureds and Blanket Waiver of Subrogation can be challenging, but it’s crucial to ensure your business is fully protected. Whether your policy requires scheduling, privity, or simply a written contract, understanding the specifics of your coverage can mean the difference between a covered claim and a costly denial.

At BGES Group, we specialize in helping New York contractors secure the right liability insurance tailored to their needs. With extensive experience in the construction industry, we can help you understand your policy’s nuances, avoid common pitfalls, and ensure that your business and its stakeholders are fully protected.

Need help understanding your insurance coverage? Contact Gary Wallach at BGES Group today at 914-806-5853 or bgesgroup@gmail.com. Let us help you protect your business with the right insurance solutions tailored to New York contractors.

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

If you’re a New York contractor, you know how burdensome annual workers’ compensation audits can be. The process is time-consuming, requires digging through financial records, and often leads to headaches as you try to ensure compliance with regulations. But what if you could simplify this process—or even avoid it altogether?

BGES Group offers specialized programs designed to help contractors streamline their operations and take the hassle out of workers’ compensation audits. These programs not only provide comprehensive workers’ compensation insurance but also come with a suite of additional services tailored to the needs of New York contractors.

What BGES Group’s Programs Offer:

– Workers’ Compensation Insurance: These programs cover your workers’ compensation insurance needs, ensuring compliance with state regulations and protecting your business and employees from potential claims.

– Payroll Services: BGES Group’s programs integrate payroll services, making it easier to manage wages and employee documentation. This integration means that much of the financial information required for audits is already captured and reported accurately.

– Group Health Coverage: You can even bundle your group health insurance under one of these programs, making it a one-stop solution for all your employee benefits needs.

– Compliance Support: The programs prepare your essential state forms, such as New York State Form 45 (Quarterly Combined Withholding, Wage Reporting, and Unemployment Insurance Return) and IRS Form 941 (Employer’s Quarterly Federal Tax Return), helping you stay on top of your reporting requirements.

– Human Resources Support: To further ease your administrative burden, these programs provide complete HR backup, assisting you with New York State laws and compliance issues. Whether you’re navigating new labor laws or dealing with employee relations, BGES Group’s resources have you covered.

Avoid Comprehensive Annual Audits

One of the standout features of these programs is how they can minimize or eliminate the need for comprehensive annual workers’ compensation audits. Since the program manages payroll and has access to most of your financial information, there’s little left to audit. Instead of a deep dive into your records, you may only need to provide a few supporting documents, such as certificates of insurance for your subcontractors.

BGES Group: Workers’ Compensation Specialists for New York Contractors

At BGES Group, we specialize in helping New York contractors with their workers’ compensation insurance needs. If you’re tired of dealing with complicated audits and compliance headaches, or if you’re encountering problems with your current coverage, we can provide the solutions you need.

Contact Gary Wallach today for more information. Call 914-806-5853 or email bgesgroup@gmail.com. Let us help you simplify your workers’ compensation and payroll processes, so you can focus on what matters most—growing your business.

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

Larry David and Jerry Seinfeld have a way of turning everyday life into brilliant, laugh-out-loud humor, and when it comes to women and their contractors, the comedy potential is endless. Women might start with a few complaints about messes and delays, but by the end of the project, they’ve bonded with the contractor in ways no one ever expected. Picture Larry and Jerry sitting at the diner, marveling at how women go from frustrated to secretly adoring their contractors—because, after all, who doesn’t love someone who fixes things? Here are ten hilarious yet positive takes on why women end up loving their contractors.

—

1. “He speaks the language of shelves.”

  Jerry: “Women love a man who can install shelves. It’s like speaking their love language.”

  Larry: “Forget flowers and chocolates, give them built-ins, and suddenly, you’re a hero!”

2. “He’s got the magic touch—on the walls.”

  Larry: “There’s just something about a man who can make drywall smooth. They go from ‘When will this be done?’ to ‘Maybe I’ll add another wall!’”

  Jerry: “Yeah, once they see those smooth walls, it’s like he’s Michelangelo and she’s staring at the Sistine Chapel.”

3. “He turns chaos into order.”

  Jerry: “One minute there’s dust and tools everywhere, and the next, it’s a sparkling new bathroom. That’s real power!”

  Larry: “It’s like they’re magicians. Contractors don’t just build— they restore calm in a world of clutter.”

4. “He listens… to the design changes.”

  Jerry: “At first, he’s just another guy with a hammer. But then he listens to the 12th design change without flinching? Instant love!”

  Larry: “Anyone who can take ‘I think we need to move the sink… again’ with a smile is basically a saint.”

5. “He’s there when no one else is.”

  Larry: “When everything is falling apart—literally—the contractor shows up. It’s like a superhero moment.”

  Jerry: “Yeah, Batman may save Gotham, but a contractor saves the kitchen! And in the end, who’s the real hero?”

6. “He fixes things… permanently.”

  Jerry: “Sure, they started out as just a guy fixing the leaky faucet, but after six months without a drip? That’s a relationship that’s built to last!”

  Larry: “Every time she turns on that faucet and it doesn’t leak, she’s like, ‘Yep, I love him.’”

7. “He doesn’t just build, he beautifies.”

  Jerry: “They thought they just wanted a deck. But now, with that pergola and the new lighting, it’s a sanctuary!”

  Larry: “Who knew a contractor could turn a backyard into a romantic getaway? It’s like having your own personal HGTV star.”

8. “He can handle the honey-do list… without complaints.”

  Larry: “Women love contractors because they actually finish the honey-do list. And they don’t complain while doing it!”

  Jerry: “You mean they don’t ‘forget’ about it for three weeks and then pretend it was never there? No wonder women love them!”

9. “He knows his way around the hardware store.”

  Jerry: “He walks into a hardware store, and he knows exactly what to get. No wandering the aisles, no asking for help!”

  Larry: “To women, that’s like watching a guy change a tire without YouTube. Pure admiration.”

10. “He brings the vision to life.”

  Larry: “Women fall in love with the contractor because he doesn’t just talk about their dream kitchen—he makes it happen.”

  Jerry: “They love him because, unlike most guys, he actually finishes what he starts. It’s not just talk—it’s tile.”

—

The Contractor Who Saves More Than Just Your Kitchen: BGES Group

While we’re all laughing about why women end up loving their contractors, there’s one thing no one loves—bad business insurance. If you’re a contractor in New York, New Jersey, or Connecticut and you’re unhappy with your business insurance, don’t worry. There’s a solution that will make you feel as good as that perfect backsplash: BGES Group.

Just like women fall in love with their contractors for delivering on promises, you’ll fall in love with BGES Group for delivering the best business insurance. And here’s the kicker—Jerry Seinfeld and Larry David would get a kick out of the owner, Gary Wallach. He’s not your ordinary insurance guy. Not only does he know his stuff, but he’s got a great sense of humor. He’s the kind of guy you actually want to talk to about insurance, because he makes the whole process fun. No boring meetings, no complicated jargon—just good laughs and even better coverage.

So, if you’re a contractor looking to get business insurance that works as hard as you do, reach out to BGES Group. Whether you need workers’ compensation or contractor liability insurance, Gary Wallach is the guy who’ll take care of you—and he’ll even make you smile along the way.

Give Gary a call at 914-806-5853 or send him an email at bgesgroup@gmail.com. He’ll fix your insurance problems faster than a contractor can build your dream kitchen, and who knows? You might just end up loving him as much as you love that new addition to your home!

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

If you’re a business owner in New York, New Jersey or Connecticut, you likely understand the significant expense of workers’ compensation insurance. But what if you’ve been paying more than necessary for years and didn’t know it? At BGES Group, we offer a specialized service called Workers’ Compensation Premium Recovery that reviews your past policies, uncovers mistakes that led to overpayments, and helps you recover your money from past insurance companies. This service is offered on a contingency fee basis, meaning there’s no upfront cost to you. It’s truly a win-win situation—there’s nothing to lose and potentially significant sums to recover.

Why Workers’ Compensation Costs Could Be Higher Than They Should Be

Workers’ compensation insurance is a crucial safeguard, but it’s often more costly than it needs to be. Many business owners end up overpaying due to common errors, such as:

– Misclassified employees

– Inaccurate experience modification factors

– Incorrect payroll reporting

– Audit discrepancies

These errors can quietly accumulate over the years, leading to significant overpayments. For many businesses, this can mean thousands, tens of thousands, or even hundreds of thousands of dollars lost. Our Workers’ Compensation Premium Recovery service can review your past policies going back up to seven years, searching for mistakes and working to recover any money you’ve overpaid.

Our Process: Thorough and Stress-Free

The BGES Group partners with experts who perform a comprehensive audit of your workers’ compensation policies, payroll records, and claims history. Their meticulous approach ensures that every potential error is identified and corrected. Here’s what you can expect:

1. Employee Classification Check – Are your employees properly classified? Misclassification is a leading cause of inflated premiums.

2. Payroll Data Verification – We review your payroll reporting to ensure there are no inaccuracies that could be driving up your costs.

3. Experience Modification Factor Review – Your experience mod factor should accurately reflect your claims history. If miscalculated, it can result in higher premiums.

Significant Financial Recovery Potential

Through our expert analysis and recovery efforts, New York, New Jersey or Connecticut business owners can recover substantial amounts—whether it’s thousands, tens of thousands, or even hundreds of thousands of dollars. Think about the impact these reclaimed funds could have on your business. You could:

– Reinvest in your operations

– Upgrade equipment

– Improve your company’s cash flow

The possibilities are endless, and the best part is, we handle the hard work for you.

No Upfront Costs—A Risk-Free Opportunity

Our Workers’ Compensation Premium Recovery service is completely contingency-based, which means you pay nothing upfront. Our partners take care of the audit and recovery process while keeping you updated on the progress. If we don’t recover any money for you, you owe us nothing.

Take Action Today—Contact Gary Wallach

Don’t wait any longer to see if you’ve been overpaying on your workers’ compensation insurance. Contact Gary Wallach today at 914-806-5853 or bgesgroup@gmail.com to learn more about how BGES Group can help you recover your hard-earned money. That’s Gary Wallach at 914-806-5853 or bgesgroup@gmail.com—call today and start the process of getting your money back!

BGES Group: Helping New York, New Jersey or Connecticut business owners recover hidden savings and improve their bottom line. Let us help you take back what’s rightfully yours.

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

If you’re a New York contractor, you’ve likely felt the pinch of workers’ compensation insurance. But what if you’ve been paying more than necessary all these years without knowing it? At BGES Group, we offer a specialized service called Workers’ Compensation Premium Recovery that analyzes your past insurance policies, uncovers mistakes leading to overpayments, and helps recover your money. Best of all, this service is performed on a contingency fee basis, meaning there’s no upfront cost to you. It’s a win-win scenario—you have nothing to lose and potentially thousands of dollars to gain.

The Hidden Costs of Workers’ Compensation Insurance

Workers’ compensation insurance is vital for protecting your business and employees, but many contractors unknowingly overpay due to common errors. These errors can include:

– Misclassified employees

– Inaccurate experience modification factors

– Incorrect payroll reporting

– Audit discrepancies

Over time, these seemingly small mistakes can add up, costing your business thousands, tens of thousands, or even hundreds of thousands of dollars. Our service can go back up to seven years, reviewing your previous workers’ compensation policies for errors, and if any are found, we’ll help recover the overpaid amounts from your past insurers.

Our Recovery Process: Precise and Painless

The BGES Group partners with experts who conduct a comprehensive audit of your workers’ compensation policies, payroll records, and claims history. Their meticulous approach ensures that every potential error is identified and corrected. Here’s how the process works:

1. Employee Classification – Are your employees classified correctly? Incorrect classifications can lead to inflated premiums. We verify that everyone is categorized appropriately.

2. Payroll Data Analysis – We double-check that your payroll figures are reported accurately, as incorrect reporting can result in overcharges.

3. Experience Modification Factor Review – Your experience mod factor should reflect your claims history. If it’s miscalculated, you might be paying more than necessary.

Substantial Financial Recovery for New York Contractors

Imagine the relief of getting back the money you’ve overpaid in premiums. Whether it’s thousands, tens of thousands, or even hundreds of thousands of dollars, recovering these funds can significantly impact your business. You could reinvest in equipment, expand your operations, or simply improve cash flow. The possibilities are endless, and the process requires little to no effort on your part.

No Upfront Costs—You Have Nothing to Lose

Our Workers’ Compensation Premium Recovery service operates on a contingency fee basis. This means there’s no upfront cost to you. Our partners handle the heavy lifting, conducting the entire audit and recovery process, while keeping you updated with progress reports. If we don’t recover any money for you, you don’t pay a thing.

Get Started Today—Contact Gary Wallach

Why wait? If you suspect you’ve been overpaying on your workers’ compensation insurance, contact Gary Wallach today at 914-806-5853 or bgesgroup@gmail.com to learn more about how BGES Group can help recover your money. That’s Gary Wallach at 914-806-5853 or bgesgroup@gmail.com—call today and see how much you could recover!

BGES Group: We help New York contractors uncover hidden savings and improve their bottom line. Let us help you get your money back.

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 business owners in New York, New Jersey, and Connecticut, managing workers’ compensation insurance can be a daunting task—especially when payroll fluctuates from month to month. That’s where BGES Group comes in. They offer a unique workers’ compensation insurance program that provides a solution tailored to businesses with varying payrolls. This program not only simplifies the payment process but also improves cash flow, giving business owners peace of mind.

Flexible Payment Based on Actual Payroll

One of the standout features of this program is its flexibility. Business owners can bind their coverage for just $200 upfront, making it easy and affordable to get started. Then, instead of paying a lump sum based on projected payroll, you report the past month’s actual payroll online. Your premium is calculated based on the actual wages paid, not estimates—ensuring you’re only paying for the coverage you need.

This pay-as-you-go structure is particularly beneficial for businesses where payroll fluctuates from month to month, such as seasonal industries, construction companies, or any business that sees variation in its workforce size. By adjusting your premium based on real numbers, you’ll avoid overpaying during slower months or being hit with surprise charges after an audit.

Boosts Cash Flow and Streamlines Operations

Cash flow is the lifeblood of any business, and traditional workers’ compensation programs can sometimes tie up more capital than necessary. With this flexible payment plan, your premium expenses align more closely with your revenue flow, which helps you better manage your business’s cash flow.

Since the premium is paid based on what you actually paid in wages, you don’t need to worry about large upfront costs or year-end audits that come with hefty adjustments. This makes it a great option for businesses looking to improve financial predictability.

Multi-State Coverage for Expanding Businesses

If your business operates in multiple states, this program can be adapted to your needs. BGES Group can ensure your workers’ compensation coverage extends beyond just New York, New Jersey, and Connecticut. Whether you’re growing into new markets or managing multiple locations, this program offers comprehensive, multi-state workers’ compensation solutions.

Financially Secure Insurance Provider

Choosing the right insurance carrier is crucial to ensuring that your workers are protected and your claims are paid. The insurance provider backing this program has an excellent financial rating, so you can rest assured knowing you’re working with a company that is stable and reliable. With top-tier financial strength, you can count on them to be there when it matters most—whether you’re filing a claim or requesting a certificate of insurance.

Immediate Access to Certificates of Insurance

In today’s fast-paced business world, having immediate access to certificates of insurance can make all the difference. With BGES Group’s program, you can generate certificates of insurance within minutes. Whether you need to show proof of coverage for a new client, project, or contractor, you’ll have your documents at your fingertips, streamlining your operations and allowing you to focus on what matters—growing your business.

Why BGES Group?

BGES Group has a reputation for providing first-class service, tailored to the unique needs of Tri-State business owners. Known for their “Mom and Pop” boutique-style service, they offer a level of personal attention that’s hard to find elsewhere. Their expertise in workers’ compensation insurance, combined with a hands-on approach, means you’ll have a trusted partner to guide you through the process, answer your questions, and ensure that you’re getting the best coverage at the most competitive rates.

At BGES Group, they don’t just sell insurance—they build relationships. Their team takes the time to understand your business and provide customized solutions that meet your specific needs. Whether you’re a small business owner or managing a growing enterprise, BGES Group’s workers’ compensation experts are here to make sure your business is protected, your cash flow is optimized, and your peace of mind is secured.

For more information or to get started with this game-changing workers’ compensation insurance program, contact Gary Wallach at BGES Group at 914-806-5853. Let them help you protect your business with a solution that works for you.

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

Workers’ compensation insurance is essential for protecting your business and employees from the financial burden of workplace injuries. However, when it comes to business owners, the rules can vary based on your business structure and location. In New York and New Jersey, whether business owners are included or excluded from workers’ compensation coverage depends on the entity type and specific state laws. Here’s a breakdown of how these rules apply to sole proprietorships, partnerships, corporations, and LLCs, along with what to do if you want to secure coverage for owners.

Workers’ Compensation Insurance in New York

Are Business Owners Included or Excluded?

– Sole Proprietorships and Partnerships: In New York, sole proprietors and partners are excluded from workers’ compensation coverage by default. They are not required to be covered under their business’s workers’ compensation policy unless they choose to opt in.

– Corporations: Officers of corporations in New York are included for coverage under the state’s workers’ compensation laws, but they have the option to exclude themselves if they do not wish to be covered. This allows flexibility for corporate owners who may not want or need this coverage.

– LLCs: Members of LLCs in New York are excluded from workers’ compensation coverage unless they explicitly choose to include themselves. This mirrors the rules for sole proprietors and partners, where the owner can decide whether or not to be covered.

How to Secure Coverage for Excluded Owners

If you are a business owner who is excluded from workers’ compensation by default but wishes to be covered, you can opt in by informing your insurance provider. This step will ensure that owners, partners, or members are covered in the event of an on-the-job injury. Opting in is particularly important for owners who actively work in the business and face potential workplace hazards.

What Happens if Excluded Owners are Injured on the Job?

If an excluded business owner is injured on the job, they would not be eligible for workers’ compensation benefits to cover medical bills or lost wages. In this case, they would need to rely on:

– Personal Health Insurance: The owner’s health insurance may cover medical expenses, but there can be exclusions for work-related injuries.

– Disability Insurance: Separate disability coverage may be needed to help with lost wages, but this requires prior setup.

– Out-of-Pocket Payments: Without adequate coverage, the owner may face significant personal costs for medical treatment and lost income.

Workers’ Compensation Insurance in New Jersey

Are Business Owners Included or Excluded?

– Sole Proprietorships and Partnerships: Similar to New York, sole proprietors and partners in New Jersey are excluded from workers’ compensation coverage by default. However, they can opt in if they want coverage.

– Corporations: Officers of corporations in New Jersey are included in workers’ compensation coverage by law and cannot opt out, unlike in New York. This means that corporate officers must have coverage under the business’s workers’ compensation policy.

– LLCs: In New Jersey, LLC members are excluded by default, but they can choose to opt in if they want coverage, much like in New York.

How to Secure Coverage for Excluded Owners

In New Jersey, sole proprietors, partners, and LLC members who are excluded by default but want workers’ compensation coverage can elect to opt in by notifying their workers’ compensation insurance provider. This ensures they are protected in the event of a workplace accident.

What Happens if Excluded Owners are Injured on the Job?

If a business owner who has not opted into workers’ compensation coverage is injured while working, they will not be eligible for workers’ compensation benefits. They would need to rely on:

– Health Insurance: Personal health insurance may cover medical expenses, though there may be exclusions for workplace injuries.

– Disability Insurance: A separate disability insurance policy may be necessary to cover lost wages.

– Personal Savings or Out-of-Pocket Costs: Without proper insurance, the owner may have to cover both medical expenses and lost income themselves.

Why Business Owners Should Turn to BGES Group for Workers’ Compensation Insurance

Navigating the complexities of workers’ compensation insurance for business owners can be challenging, especially when you need to determine whether to include or exclude yourself from coverage. At BGES Group, we are one of the Tri-State area’s workers’ compensation insurance specialists. Our team understands the unique needs of business owners across industries and can help you tailor a policy that fits your specific situation.

Whether you need to ensure coverage for yourself or your employees, BGES Group can guide you through the process and provide expert advice on how to opt in or out of workers’ compensation coverage, ensuring your business is fully protected.

Contact Gary Wallach at BGES Group for personalized assistance with your workers’ compensation insurance needs. Call 914-806-5853 or email bgesgroup@gmail.com to get started today. Protect yourself and your business with the right coverage from BGES Group.

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

Contractors across the Tri-State area need insurance coverage they can rely on, and BGES Group has earned a reputation as the go-to insurance partner for many in the construction industry. From personalized service to competitive rates, here are ten reasons why Tri-State contractors love working with BGES Group for their business insurance needs.

1. Mom-and-Pop Style Boutique Service

One of the key reasons contractors trust BGES Group is the personalized, boutique-like service we provide. At BGES, you aren’t just another client — you’re treated like family. When you call, you get us on the phone immediately, without the hassle of automated systems or long wait times. We’re here to help, every time.

2. We Know the Construction Industry Inside and Out

At BGES Group, we specialize in insurance for contractors. Our deep knowledge of the construction industry allows us to tailor policies that address the specific risks you face, ensuring that your business is fully protected. Whether it’s workers’ compensation, general liability, or umbrella insurance, we have the expertise to cover all your needs.

3. Competitive Pricing

Contractors appreciate the competitive pricing BGES Group offers. We work tirelessly to ensure that you’re getting the best coverage at the best price. Our clients consistently report significant savings when switching to BGES, without compromising on the quality of their coverage.

4. Instant Support When You Need It

In the construction business, time is money. We understand that, which is why we prioritize immediate support for our clients. Whether you have a question about your policy, need to file a claim, or require assistance with certificates of insurance, BGES Group is ready to assist you at a moment’s notice.

5. Access to Special Programs

BGES Group provides access to specialized insurance programs that are hard to find elsewhere. For instance we have a workers’ compensation program for higher-risk contractors, including those in roofing and demolition. These programs offer robust coverage that’s tailored to meet the unique challenges of your industry.

6. Transparent and Honest Communication

We believe in full transparency with our clients. When you work with BGES Group, you’ll never be left in the dark. We take the time to explain every detail of your policy, ensuring that you fully understand your coverage and feel confident in your insurance decisions.

________________________________________________________________

Unhappy with Your Workers’ Compensation Coverage?

BGES Group has access to 20+ companies and can find you better   at savings of up to 30%. One plan offers group health insurance, probably benefit plans that are better then what you now have, with major, well known carriers.  Program’s negotiated rates with each carrier are probably up to 30% lower then what you now are paying. Contact Gary Wallach today at 914-806-5853 to explore your options and start saving. ___________________________________________________

7. Personalized Solutions for Every Contractor

Every contractor’s business is different, and we treat it as such. BGES Group doesn’t believe in one-size-fits-all policies. Instead, we take the time to understand your business and provide insurance solutions that fit your specific needs. Whether you’re a small operation or a large firm, we’ve got you covered.

8. Outstanding Claims Support

Filing insurance claims can be a hassle, but BGES Group makes the process as smooth as possible. We offer full support during the claims process, helping you navigate every step and ensuring your claims are handled quickly and efficiently. Our contractors trust us to be there when they need us most.

9. Savings Up to 30%

Many of our clients report saving up to 30% on their insurance premiums after switching to BGES Group. We work with a wide network of insurance providers to find you the best deals without compromising on coverage. You can protect your business and your bottom line at the same time.

10. Rave Reviews from Satisfied Contractors

Our clients’ experiences speak for themselves. Here’s what some of our contractors are saying about BGES Group in their Google reviews:

– “Gary Wallach and his team are incredibly responsive. Anytime I need something, they are just a phone call away. I’ve saved a ton on workers’ compensation insurance with their help.”

– “I’ve been with BGES Group for over five years, and I can’t say enough good things. They treat me like family, and their knowledge of the construction industry is second to none.”

– “BGES Group’s customer service is excellent. They’ve helped me secure insurance for my construction business at rates far better than I was getting before. Highly recommend them!”

– “If you’re a contractor looking for insurance, BGES Group is the only place to go. They offer personal service, competitive rates, and truly know what they’re doing.”

– “Gary Wallach and the BGES team have been an incredible asset to my business. They understand what we need, and they’re always available to help. I wouldn’t go anywhere else for my insurance.”

Contact Gary Wallach at BGES Group

If you’re a Tri-State contractor in need of reliable, affordable, and personalized insurance solutions, BGES Group is here to help. Call Gary Wallach today at 914-806-5853 to discuss your business insurance needs and discover how we can save you time, money, and stress.

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