When it comes to workers’ compensation insurance, finding the right coverage can be challenging, especially if you’re in a specialized industry. Whether you operate an auto service, run a contracting business, manage a limousine service, oversee manufacturing operations, or are involved in moving and storage or trucking, BGES Group has the right solution for you.

Why Choose BGES Group?

1. Tailored Programs for Diverse Industries

BGES Group understands that each industry has unique risks and needs. That’s why we offer specialized workers’ compensation programs for various sectors, including auto services, contractors, limousine services, manufacturers, moving and storage agents, and truckers. We don’t believe in one-size-fits-all solutions; instead, we tailor our offerings to meet the specific requirements of your business.

2. Access to a Network of 20 Insurance Companies

Navigating the insurance market can be overwhelming with so many options available. At BGES Group, we simplify this process by representing a network of 20 reputable insurance companies. This wide selection allows us to find the most competitive pricing and comprehensive coverage that fits your budget and needs.

3. Unparalleled Customer Service

In the world of insurance, time is often of the essence. When you contact BGES Group, you won’t be left waiting or bouncing between automated systems. Instead, you’ll get a real person on the phone within seconds—someone who understands your business and can provide expert guidance. We pride ourselves on offering personalized service, ensuring that you always speak with someone who knows your account and can address your concerns efficiently.

4. Quick and Easy Quotes

Time is money, and at BGES Group, we respect both. Our team works diligently to provide you with quotes within days, not weeks. We understand that your time is valuable, and we aim to make the insurance process as streamlined as possible.

5. Programs That Minimize Audit Paperwork

Dealing with audit paperwork can be a hassle, but it doesn’t have to be. BGES Group offers programs designed to minimize the amount of paperwork required during audits, allowing you to focus on running your business rather than getting bogged down in administrative tasks.

6. Support for Businesses with Past Losses

If your business has had a poor loss experience in the past but is on the path to improvement, we have programs specifically designed to support you. Our goal is to help you get back on track with affordable and effective coverage that reflects your current situation.

7. Multi-State Coverage Options

Operating in multiple states? No problem. BGES Group has programs that can provide coverage across state lines, ensuring that your business is protected no matter where you operate.

8. Additional Services: Payroll and Group Health Insurance

In addition to workers’ compensation insurance, we offer programs that can include payroll services and group health insurance. These integrated solutions provide added convenience and peace of mind, allowing you to manage your business’s needs in one place.

Get Started Today

Choosing the right workers’ compensation insurance is a crucial decision that can impact your business’s financial stability. With BGES Group, you’ll receive expert advice, competitive pricing, and comprehensive coverage tailored to your industry.

For more information or to get started, contact Gary Wallach at BGES Group today. Call 914-806-5853, and discover how we can help protect your business and your employees.

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

Even businesses that own fleets of autos sometimes use vehicles that do not belong to them. Often, a company asks an employee to run an errand or visit a customer or vendor using that employee’s car.

The business may be legally liable for anything an employee acting on its behalf does while behind the wheel. Lawsuits and accompanying legal costs may confront the business if they have an accident, putting the company’s assets at risk.

Many business automobile insurance policies cover this situation but do not do so automatically.

The standard Insurance Services Office business auto policy uses numbered symbols to identify covered autos for each coverage the business has purchased. The policy provides liability coverage for non-owned autos only if symbols 1 or 9 are shown on the information page:

Symbol 1 means “Any auto.” This broadest symbol designation covers any auto, including borrowed, hired, owned, or leased.

Symbol 9 means “Non-owned autos.” The policy defines non-owned autos as vehicles the insured business does not own, lease, hire, rent, or borrow and that are used in the industry. The term includes:

• The business’s employees own autos.
• Partners (if the business is a partnership).
• Members (if it is a limited liability company).
• Members of their households.

However, coverage applies only if the vehicle is used in the business or the policyholder’s personal affairs.

Scenario: A consulting firm has run out of paper, and a worker is asked to purchase supplies at an office supply store. Then, he drives his vehicle to run the errand. On his way back to the office, the employee collides with another car going in the opposite direction.

If the firm’s auto insurance policy’s information page has either symbol 1 or 9 for liability coverage, it will cover this accident, including:

• Cost of damage to the other vehicle (notably, it does not pay for collision damages to the hired or non-owned vehicle),
• Cost of medical costs for injured third parties and
• Legal defense costs arising from the accident.

If the policy has another symbol, it will not cover an accident from using the employee’s vehicle.

This type of coverage is essential for companies that do not own their vehicles but have employees who drive their cars for work or rent them when on business.

The employee’s auto insurance policy may provide some coverage for the employer. However, it would help if you did not assume this is guaranteed.

In the event of an accident, you could be found negligent for various reasons, including:

• The employee’s insurance has lapsed.
• The employee only carries the minimum limits the state requires, and the damages exceed this limit.
• The employee’s vehicle needs to be appropriately maintained.
• The employee’s driving record is below standard.
• Your company does not have any fleet controls or policies to address these issues with employee vehicles used for business purposes.

If the accident burns through the employee’s policy limits, the damaged third party will turn to the employer next. With no non-owned auto or “all vehicles” coverage, the company would be liable for any damages out of pocket.

The takeaway

Almost every business has situations where it asks someone to use a personal vehicle for business, and an uninsured loss can be both financially devastating and easily avoidable.

All auto and non-owned auto insurance protects your business by covering potential coverage gaps that could threaten the company’s financial stability.

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, understanding whether you need labor law coverage in your general liability policies is crucial. The state’s Labor Law sections 240 and 241, commonly known as the “Scaffold Law,” impose strict liability on contractors and property owners for elevation-related injuries to workers. Here’s a breakdown of when labor law coverage is essential and when it might not be necessary.

Understanding Labor Law Coverage

Labor Law Coverage protects New York contractors against liabilities arising from Labor Law sections 240 and 241. These laws mandate that contractors and property owners ensure proper safety measures to protect workers from falls and other elevation-related hazards. Without this coverage, a contractor faces substantial legal fees and compensation payouts in the event of an injury.

When You Might Not Need Labor Law Coverage

In some situations, your business operations might minimize the need for labor law coverage. For instance, if your work does not involve elevation or scaffolding, the risk of falling hazards is significantly reduced.

Example: A Residential Painting Business

Consider a residential painting contractor who primarily works on single-story homes, using ladders no higher than six feet. The risk of elevation-related injuries is minimal in this scenario. Therefore, the contractor might choose not to include labor law coverage in their general liability policy, instead focusing on other relevant protections.

However, it’s important to note that even if your work typically doesn’t require labor law coverage, general contractors (GCs) or property owners you work for might still require you to have it. Ensuring you meet their requirements is crucial for securing contracts and maintaining business relationships.

When Labor Law Coverage is Essential

For many New York contractors, labor law coverage is indispensable. Any project involving heights, such as roofing, multi-story window cleaning, or construction work using scaffolding or lifts, falls under the scope of Labor Law 240 and 241.

Example: A High-Rise Construction Company

Take a construction company working on high-rise buildings. The routine use of scaffolding, cranes, and ladders necessitates labor law coverage. Without it, the company risks severe financial repercussions from elevation-related injury claims. Even with stringent safety protocols, accidents can occur, and labor law coverage provides crucial financial protection.

When Owners and General Contractors Require Coverage:

In New York, owners and general contractors often mandate that contractors carry labor law coverage as part of their general liability policy to secure jobs. This requirement ensures that contractors are compliant with the stringent provisions of New York Labor Law 240 and 241, which impose significant liabilities for worker injuries. By mandating this coverage, owners and general contractors protect themselves from potential lawsuits and financial losses arising from worksite accidents. Contractors who fail to include this coverage in their policies risk losing valuable job opportunities and facing legal and financial repercussions.

Get Expert Help

Navigating the complexities of labor law coverage can be daunting. If you’re unsure whether your business needs this specific protection, consulting with an expert is a wise choice. BGES Group offers personalized insurance solutions tailored to the needs of New York contractors.

For more information and expert guidance, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com.

Protect your business from unforeseen liabilities and ensure you have the right coverage in place. Reach out to BGES Group today!

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. “Industry Expertise”

BGES Group specializes in providing insurance solutions tailored to the New York Construction Industry. Their in-depth knowledge of the unique risks and challenges faced by New York contractors ensures that they offer the most suitable general and umbrella liability coverage.

2. “Comprehensive Coverage”

BGES Group provides comprehensive general and umbrella liability insurance that protects contractors against a wide range of risks. From labor law claims to property damage to bodily injury claims, their policies offer robust protection for all aspects of a contractor’s operations.

3. “Competitive Pricing”

Through strong relationships with top insurance carriers, BGES Group secures competitive pricing for their clients. BGES Group has a vast network of companies to market your account to.  Contractors can obtain high-quality liability coverage at rates that fit their budgets, without sacrificing coverage quality.

4. “Personalized Service”

BGES Group offers a boutique-like service experience, ensuring that each contractor receives personalized attention. Their dedicated account manager works closely with clients to understand their specific needs and provide customized insurance solutions. 

5. “Expert Claims Management”

In the event of a claim, BGES Group’s experienced claims management provides prompt and efficient support. Their expertise in handling claims ensures that contractors receive the assistance they need to resolve issues quickly and effectively.

6. “Proactive Risk Management”

BGES Group goes beyond providing insurance by offering proactive risk management services. They help contractors identify potential risks and implement strategies to mitigate them, which can lead to a safer work environment and potentially lower insurance costs.

7. “Local Knowledge”

As a company rooted in New York, BGES Group has a deep understanding of the local market and regulatory landscape. This local expertise ensures that contractors receive insurance solutions that are relevant and compliant with state-specific requirements.

8. “Tailored Umbrella Policies”

BGES Group offers tailored umbrella liability policies that provide additional layers of protection. These policies extend coverage limits beyond the primary general liability insurance, offering peace of mind against high-severity claims.

9. “Proven Track Record”

BGES Group has a strong track record of successfully serving New York contractors. Their portfolio of satisfied clients and numerous success stories demonstrates their ability to deliver effective insurance solutions that meet the needs of the construction industry.

10. “Dedicated Support Account Executive”

Contractors working with BGES Group benefit from a dedicated support account executive that is always ready to assist. Whether it’s answering questions, making policy adjustments, or providing risk management advice, he is committed to offering exceptional service.

Conclusion

For New York contractors, choosing the right insurance provider is crucial for protecting their business against potential liabilities. BGES Group stands out as a premier choice, offering specialized expertise, comprehensive coverage, competitive pricing, and personalized service. Their local knowledge, proactive risk management, and dedicated support team make them the ideal partner for securing general and umbrella liability insurance. With BGES Group, contractors can confidently manage their risks and focus on growing their 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

1. Specialized Roofing Program

BGES Group offers a specialized workers’ compensation insurance program for roofing contractors. This program addresses the unique risks and challenges associated with roofing work, ensuring comprehensive and relevant coverage.

2. Expertise in High-Risk Industries

Roofing is a high-risk industry, and BGES Group has extensive experience in providing insurance solutions for such sectors. Their deep understanding of the specific hazards faced by roofing contractors allows them to offer tailored coverage that meets industry needs.

3. Comprehensive Coverage

BGES Group provides comprehensive workers’ compensation coverage that protects roofing contractors against workplace injuries and illnesses. Their policies ensure that both employees and employers are safeguarded against financial losses due to accidents or health issues on the job.

4. Competitive Pricing

Through strong relationships with top insurance carriers, BGES Group secures competitive pricing for their specialized roofing program. Contractors can obtain high-quality workers’ compensation insurance at rates that fit their budgets.

5. Personalized Service

BGES Group offers a boutique-like service experience, ensuring that each roofing contractor receives personalized attention. Their dedicated account manager works closely with clients to understand their specific needs and provide customized insurance solutions.

6. Efficient Claims Management

In the event of a claim, BGES Group’s experienced claims department provides prompt and efficient support. Their expertise in handling workers’ compensation claims ensures that contractors receive the assistance they need to resolve issues quickly and effectively.

7. Proactive Risk Management

BGES Group offers proactive risk management services to roofing contractors. By identifying potential risks and implementing strategies to mitigate them, they help create safer work environments, which can lead to fewer claims and lower insurance costs.

8. Local Expertise

As a company deeply rooted in the New York, New Jersey and Connecticut area, BGES Group understands the local market, regulations, and industry trends. This local expertise ensures that roofing contractors receive the most relevant and effective insurance solutions for their specific needs.

9. Dedicated Support Team

Roofing contractors working with BGES Group benefit from dedicated support that is always ready to assist. Whether it’s answering questions, making policy adjustments, or providing risk management advice, their team is committed to offering exceptional service.

10. Proven Track Record

BGES Group has a strong track record of successfully serving roofing contractors in the Tri-State area. Their portfolio of satisfied clients and numerous success stories demonstrates their ability to deliver effective insurance solutions that meet the needs of the roofing industry.

Conclusion

For Tri-State roofing contractors, choosing the right workers’ compensation insurance provider is crucial for protecting their business and employees. BGES Group stands out as a premier choice, offering specialized programs, industry expertise, comprehensive coverage, competitive pricing, and personalized service. Their local knowledge, proactive risk management, and dedicated support team make them the ideal partner for securing workers’ compensation insurance. With BGES Group, roofing contractors can confidently manage their risks and focus on growing their 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

1. Expertise in the Construction Industry

BGES Group specializes in workers’ compensation insurance tailored for the construction industry. Their deep understanding of the unique risks and challenges faced by contractors ensures that they provide the most suitable and comprehensive coverage for your business.

2. Personalized Service

Unlike large, impersonal insurance providers, BGES Group offers a boutique-like service. Contractors receive personalized attention, ensuring that every aspect of their workers’ compensation insurance needs is met with precision and care. No more waiting on hold, no more waiting if you have a problem and no more waiting hours, days for certificates.

3. Competitive Pricing

BGES Group leverages its industry expertise and relationships with top insurance carriers to provide competitive pricing. Contractors can secure robust coverage at rates that fit their budget, without compromising on quality.

4. Comprehensive Coverage Options

BGES Group offers a wide range of coverage options, including payroll services, workers’ compensation, and even group health insurance. This comprehensive approach allows contractors to manage multiple aspects of their insurance needs through a single, reliable provider.

5. Experience and Reputation

With years of experience in the insurance industry, BGES Group has built a strong reputation for reliability and expertise. Contractors can trust BGES Group to deliver on their promises, backed by a track record of satisfied clients.

6. Streamlined Processes

BGES Group simplifies the insurance process, from obtaining quotes to managing claims. Their streamlined processes save contractors time and hassle, allowing them to focus on their core business activities.

7. Dedicated Support

Each contractor is assigned a dedicated account manager who provides ongoing support and guidance. This ensures that contractors have a knowledgeable advocate who understands their business and can respond quickly to any issues or questions.

8. Proactive Risk Management

BGES Group doesn’t just provide insurance; they also offer proactive risk management services. By identifying potential risks and offering strategies to mitigate them, they help contractors maintain a safer work environment and potentially lower their insurance costs.

9. Client Success Stories

BGES Group has a proven track record of helping contractors overcome workers’ compensation challenges. Their portfolio of client success stories highlights their ability to deliver effective solutions and achieve positive outcomes for their clients.

10. Local Expertise

As a provider deeply rooted in the Tri-State area, BGES Group understands the local market, regulations, and industry trends. This local expertise ensures that contractors receive the most relevant and effective insurance solutions for their specific needs.

Conclusion

Choosing the right workers’ compensation insurance provider is crucial for Tri-State contractors. BGES Group stands out as a top choice, offering specialized expertise, personalized service, competitive pricing, and comprehensive coverage options. With a dedicated team and a proven track record, BGES Group is well-equipped to meet the unique needs of contractors and help them navigate the complexities of workers’ compensation insurance. For contractors seeking a reliable and knowledgeable partner, BGES Group is the clear choice.

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 New York, employers are mandated to provide workers’ compensation, New York State disability coverage, and Paid Family Leave (PFL) insurance to their employees. Non-compliance with these requirements can result in severe penalties, both financial and criminal.

Financial Penalties for Non-Compliance

1. **Workers’ Compensation Penalties**:

  – **First Offense**: Employers can face a penalty of up to $2,000 for every ten days of non-compliance.

  – **Second Offense**: Repeat violations can lead to increased fines and scrutiny.

  – **Third Offense**: Persistent non-compliance can result in maximum fines and additional legal actions.

2. **New York State Disability Penalties**:

  – **General Fines**: Employers may be fined $500 for every ten days of non-compliance.

3. **Paid Family Leave Penalties**:

  – **General Fines**: Employers who fail to provide PFL coverage are subject to fines similar to those for disability insurance, further increasing the financial burden of non-compliance.

Criminal Penalties for Non-Compliance

In addition to financial penalties, business owners may also face criminal charges:

– **Misdemeanor Charges**: Failure to secure workers’ compensation insurance can result in misdemeanor charges, with fines up to $50,000 or even jail time.

– **Felony Charges**: Repeat offenses or fraudulent intent can escalate to felony charges, with more severe fines and longer jail sentences.

Steps to Mitigate Financial Fines for Lapsed Coverage

If you are a New York business owner who has let your workers’ compensation, disability coverage, or PFL coverage lapse and have received a fine from the Workers’ Compensation Board, there are steps you can take to mitigate the financial impact:

1. **Obtain New Coverage Immediately**: The first and most crucial step is to secure new workers’ compensation, disability coverage, and PFL coverage as soon as possible. This demonstrates to the authorities that you are making an effort to comply with the law.

2. **Consult with a Lawyer**: Hiring a lawyer who specializes in workers’ compensation and insurance compliance can be beneficial. They can negotiate on your behalf to potentially reduce the penalties.

3. **Contact Gary Wallach at BGES Group**: For assistance in obtaining new coverage, reach out to Gary Wallach at BGES Group. Gary specializes in helping Tri-State business owners secure workers’ compensation, New York State disability coverage, and Paid Family Leave coverage. If anyone can get you the coverage you need, it’s Gary Wallach. Call him today at 914-806-5853.

By taking these steps, you can work towards mitigating the fines and ensuring your business is compliant with New York State laws.

Conclusion

The penalties for not carrying workers’ compensation, New York State disability coverage, and Paid Family Leave insurance are severe, ranging from hefty fines to criminal charges. However, by acting swiftly to secure new coverage and seeking professional legal assistance, you can reduce the financial burden. Remember, Gary Wallach at BGES Group is a valuable resource for obtaining the necessary coverage and ensuring your business remains compliant. Contact him at 914-806-5853 to get started today.

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

BGES Group: Your New York Construction Insurance Specialists

If you’re a contractor struggling with high general liability insurance rates or inadequate coverage, BGES Group offers you a chance to get quotes from the best programs available. Here’s why you should consider getting a quote from BGES Group:

1. Extensive Network of Insurers: We have a broad network of insurance companies and will market your account to find you lower rates and better coverage. Plus we have great relationships with our companies. They value us. That could translate into better rates and coverage for our client’s.

2. Experienced Professionals: With 44 years of experience insuring contractors, we bring the expertise you need. When you’re paying significant premiums, it’s essential to work with knowledgeable professionals.

3. Personalized, Boutique Service: Unlike large agencies with high employee turnover and overburdened staff, we operate like a “Mom-and-Pop Store.” You’ll deal with one dedicated person who knows your account well and is always available to help. Our account manager handles only a few dozen accounts, providing highly responsive service. He is very reliable, easy to get a long with and very trustworthy. You will really like him and over understand he’s a “Diamond in the Rough.”

4. No Hidden Fees: Many agencies charge thousands in policy and service fees. At BGES Group, we don’t. If we get paid by the company used, BGES Group will not charge you a fee (please not wholesalers we use do sometimes do charge policy fees but BGES Group will not).

5. Comprehensive Coverage Options: We offer a wide range of coverages, including property, equipment and employee tools, builders risk, general liability, umbrella liability, business auto, workers’ compensation, NYS disability, bid and performance bonds, and group health coverage. Additionally, we have a program that can recover overpayments made to past workers’ compensation companies due to audit mistakes—potentially saving you significant amounts of money.

Work with an Agency That Puts You First

Choose BGES Group for an agency that:

– Knows what they’re doing

– Is always available to help

– Is highly responsive and prioritizes your best interests

– Cares about you as a person, not just as a dollar sign

Like a friend referring an account to you, go read our “Google Reviews.” Find out why 97 people give us five (5) star reviews.

For assistance, call Gary Wallach at 914-806-5853 or email 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

If you own or manage a transportation company in New York, New Jersey, or Connecticut, finding the right workers’ compensation insurance can be a complex and costly endeavor. However, BGES Group offers a comprehensive solution that could save you up to 30% on your insurance costs. Our   programs provide nationwide coverage, integrating essential services such as payroll, workers’ compensation insurance, and even group health insurance.

Comprehensive Nationwide Coverage

BGES Group’s programs are designed to support transportation companies with nationwide operations. Whether your fleet operates locally or across state lines, our programs ensure you have consistent coverage and support no matter where you are. This stability is crucial for transportation businesses that face varying regulations and risks across different states.

Financial Savings

One of the most significant benefits of partnering with BGES Group is the potential for substantial cost savings. Our clients can save up to 30% on their payroll service, workers’ compensation even group health insurance premiums. These savings can be redirected to other critical areas of your business, enhancing overall profitability and operational efficiency.

Stability in Rates and Coverage

Our programs are built to provide stability in both rates and coverage. In an industry where fluctuating costs and changing regulations can create uncertainty, having a stable insurance plan is invaluable. BGES Group ensures that your rates remain competitive and your coverage comprehensive, protecting your business and your employees effectively.

Unique Products That Set Us Apart

BGES Group programs provide specialized products tailored to the unique needs of transportation companies:

– DOT Requirements and CDL Management: Ensure compliance with Department of Transportation regulations and manage Commercial Driver’s License requirements seamlessly.                                                                              

– Internal Compliance Solutions: Implement robust internal compliance systems to avoid costly fines and ensure operational efficiency.                                

– Simplex Fleet Management and Enhanced Loss Control Solutions: Optimize your fleet operations and reduce risks with advanced fleet management tools and comprehensive loss control strategies.                                  

– Fully Managed DOT Drug Screening Program: Maintain a safe and compliant workforce with our fully managed drug screening services, tailored to meet DOT requirements.

The Benefits of BGES Group Program Services

Engaging with a BGES Group program provides numerous advantages:

– Risk Management: Professional handling of workers’ compensation claims and safety programs to minimize workplace injuries.                                                         

– Administrative Relief: Outsource time-consuming HR and payroll tasks, allowing you to focus on core business activities.                                                     

– Regulatory Compliance: Stay updated and compliant with ever-changing employment laws and regulations.                                                                            

– Improved Employee Benefits: Access to high-quality benefits usually available only to larger corporations, helping you attract and retain skilled workers.

Human Resource Support

Managing a workforce in the transportation industry comes with its own set of challenges. BGES Group’s programs include a dedicated human resource department to assist you with employee concerns. From compliance with employment laws to handling disputes and providing guidance on best practices, our HR support helps you manage your team efficiently and effectively.

Employee Benefit Services

Beyond insurance and HR support, BGES Group offers a range of employee benefit services designed to attract and retain top talent. Our programs can include benefits like health insurance, retirement plans, and more, ensuring your employees are well taken care of and motivated to perform at their best.

Contact Us

For more information on how BGES Group can transform your insurance and HR management, contact Gary Wallach at 914-806-5853. Discover how our programs can provide the comprehensive support and financial savings your transportation company needs to thrive.

BGES Group is committed to offering innovative solutions and personalized service to help your transportation business succeed. Reach out today and start benefiting from our extensive expertise and tailored programs.

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

Navigating the complexities of workers’ compensation insurance can be daunting for transportation companies operating in New York, New Jersey, or Connecticut. Finding the right coverage that is both comprehensive and cost-effective is crucial for protecting your business and employees. BGES Group, a leader in tailored insurance solutions, offers programs that cater to your needs, ensuring you receive the best possible service and coverage.

Comprehensive Coverage Nationwide

BGES Group’s programs are designed to cover your transportation company nationwide, providing a seamless solution regardless of where your operations take you. By partnering with one of our programs, you can access various services, including payroll management, workers’ compensation insurance, and group health insurance. This comprehensive approach simplifies your administrative responsibilities and ensures your employees are well-protected and cared for.

Significant Cost Savings

One of the most compelling reasons to consider BGES Group’s programs is the potential for significant cost savings. By leveraging the collective bargaining power of a program, your transportation company can save up to 30 percent on insurance premiums. These savings can be redirected to other crucial business areas, such as fleet maintenance or employee training, further enhancing operational efficiency and profitability.

Rate and Coverage Stability

Fluctuations in insurance rates and coverage terms can create uncertainty and disrupt your financial planning. BGES Group’s programs offer rate and coverage stability, giving you peace of mind and allowing you to focus on growing your business. You can better manage your budget and long-term financial strategy with stable and predictable insurance costs.

Robust Human Resource Support

Managing a transportation company involves handling a myriad of employee-related concerns. BGES Group’s programs include a dedicated human resource department to assist you with various employee issues. From onboarding and training to conflict resolution and compliance with labor laws, the HR support provided by programs ensures that your workforce remains productive and satisfied.

Range of Employee Benefit Services

Offering competitive employee benefits is essential for attracting and retaining top talent in the transportation industry. BGES Group’s programs provide a range of employee benefit services that can be tailored to meet the specific needs of your workforce. These include health insurance, retirement plans, and other essential benefits that enhance job satisfaction and employee loyalty.

Additional Services

Beyond the core offerings, BGES Group’s programs provide additional services that can further streamline your operations. These services include:

– Regulatory Compliance: Ensuring your business complies with state and federal regulations, reducing the risk of costly fines and legal issues.                                                                                           

– Risk Management: Implementing safety programs and risk management strategies to minimize workplace injuries and accidents.                                                                           

– Employee Training and Development: Providing access to training resources that enhance your employees’ skills and contribute to a safer, more efficient workplace.                                                                                                                             

– Payroll Administration: Handling all aspects of payroll processing, including tax filings and employee paychecks, allowing you to focus on your core business activities.            

Contact BGES Group Today

For transportation companies in New York, New Jersey, and Connecticut, BGES Group offers a comprehensive solution to workers’ compensation insurance and beyond. With the potential for significant savings, robust HR support, and employee benefits, partnering with BGES Group can transform how you manage your business.

To learn more about how BGES Group can assist your transportation company, contact Gary Wallach at 914-806-5853.

Protect your business and your employees with one of BGES Group’s programs. Experience the difference of working with industry experts who understand your needs and are committed to your success.

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