As more states legalize marijuana for medical and recreational use, the associated risks of increased cannabis use may start affecting individual insurance coverage.

The effects span across a number of insurance lines, including homeowner’s, auto and life insurance. There are number of issues that may arise when cannabis enters the equation, such as growing plants on your property, driving under the influence and qualifying for life insurance.

Here’s a look at some scenarios that could affect your insurance coverage.

Homeowner’s insurance

Depending on the terms of the homeowner’s policy, loss of or damage to the substance itself inside the home may be covered. Some policies may not cover “contraband” or illegal property, and marijuana remains illegal under federal law.

Check the policy’s list of property not covered. Remember also that the insurance company will pay only the amount of the loss that exceeds your deductible.

Plants growing outdoors may also be covered. However, the insurance typically applies only to losses caused by select perils such as fire or lightning. It is common for policies to limit the amount of insurance that applies to any one plant.

Your coverage may be more limited if you are growing plants with the intention of selling the product.

Plants grown for business purposes are typically not covered. Policies often provide a reduced amount of insurance on property used primarily in a business, so heating lamps, climate control equipment and other types of property used in growing operations will have limited coverage.

Also, a structure separated from the house, such as a shed, greenhouse or detached garage, may be completely uninsured if a business is being conducted from it.

Homeowner’s insurance also covers legal damages if you are liable for someone else’s bodily injury or property damage. However, your policy may not cover injuries or damage resulting from the use of marijuana or from the conduct of a business.

Your insurance company may be particularly concerned if you are growing plants indoors. If the growing space does not have proper ventilation, there could be a build-up of moisture, leading to mold and mildew problems. Also, light sources that help the plants grow can present a fire hazard if not wired correctly.

Auto insurance

Auto insurance policies commonly provide liability coverage and coverage for damage to your vehicle even if the driver was intoxicated at the time of the accident. In states where so-called “no fault” insurance (coverage that applies to your own injuries suffered during an auto accident) is offered, it might not apply if you were operating the vehicle while under the influence.

However, even if the policy provides coverage, a conviction for driving while under the influence of a drug will send your premiums soaring and make it more difficult for you to purchase coverage.

In some states, drivers with records of these offenses are forced to buy high-priced coverage from “assigned risk” pools of poor drivers. Your rates may also be higher If you work for a cannabis company and make deliveries with your personal vehicle.

Life insurance

Life insurers charge tobacco smokers higher premiums; they may eventually hike rates for marijuana smokers as well. They might do the same for individual health insurance policies.

In addition, while medical marijuana use is now permitted in many states, most do not require insurers to cover its cost. Consequently, there is almost no coverage for these prescriptions.

The takeaway

As the laws evolve, so will insurance coverages. Some companies may decide to cater to personal marijuana growers by offering them special coverages for equipment, plants, and so forth.

In the meantime, your coverage depends very much on where you live and what your particular policy says.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

The costs for businesses when their employees are involved in car accidents on and off the job are staggering, at $72.2 billion a year, according to a new study.

The “Cost of Vehicle Crashes to Employers ― 2019” study, released in March 2021 by the Network for Employers for Traffic Safety, looks at how much car crashes cost businesses in terms of workplace disruption and liability costs.

While the costs to companies when their workers are in on-the-job automobile accidents are easily measured, the costs to businesses when their employees miss work after accidents while off the job are almost as steep.

Employers end up paying in some way for injuries to their employees on and off the job, and to their dependents. As many as 1.9 million workdays are missed due to both on- and off-the-job accidents, resulting in lost productivity and training someone new to do the work.

For on-the-job accidents, there are also workers’ compensation implications for each time an employee is injured in an accident, which can drive up your rates. Also, your firm would likely also be held liable if one of your driving employees injured a third party and/or damaged their property.

Consider that:

• A fleet of 1,000 vehicles averages costs of $1.1 million per year for property damage alone.
• A single non-fatal injury crash has an average cost of $75,176.
• A single fatal crash costs an average of $751,382.
• A single crash that only causes property damage costs an average of $5,483.

The top four causes of the accidents are:

• Speeding
• Distracted driving
• Driving under the influence of alcohol, and
• Not wearing a seat belt.

What can you do?

With the above in mind, employers may want to consider holding meetings on safe driving for not only driver employees but all of them, since an off-the-job accident can result in injury or death to your worker or their loved ones.

The U.S. Centers for Disease Control has the following tips for employers:

• If you have a fleet, implement a fleet driver safety program and maintain complete and accurate records of workers’ driving performance.
• Check driving records of prospective employees and conduct periodic rechecks after hiring.
• Ask your workers to periodically provide documentation of their insurance and to report any suspensions, revocations and convictions for vehicle-related offenses.
• Establish schedules that allow drivers to obey speed limits and follow hours-of-service regulations where they apply.
• Require newly hired workers to attend performance-based defensive driving courses, with mandatory refresher training at regular intervals.
• Implement a driver safety program that emphasizes the link between driver safety at work and driver safety at home. Safe driving in the workplace benefits the worker’s family by reducing the risk of fatality or disabling injury. In addition, lessons learned on the job can increase workers’ awareness of the importance of safe driving outside of work hours.
• In your training, emphasize the need for wearing a seat belt at all times.
• Have a zero-tolerance policy for talking on the phone and texting while driving, both of which are already against the law in most states. Require that any employee who needs to make a call, pull over first when it’s safe to do so, regardless of whether they have a hands-free unit.
• Studies have shown that even talking with a hands-free device can be enough of a distraction to cause an accident.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

Some of the riskiest locations for roadway collisions are work zones, as they often result in changes in traffic patterns and right of way, along with workers present and large commercial vehicles on the scene.

Work zones are designed to improve the safety of workers who are enhancing or repairing roads, freeways, bridges, sewage and other infrastructure by separating construction and maintenance activities from traffic. The crews do that by providing a safe route for motorists, pedestrians and bicyclists and a safe area for the workers on the scene.

That stew of activity and unpredictability sadly results in carnage. In 2019, 842 people died in work zones in the U.S., up from 757 in 2018.

The most common types of fatal accidents in work zones are:

• Crashes involving a commercial vehicle: 33%
• Crashes caused by speeding: 31%
• Rear-end collisions: 24%

Safety tips for drivers

The Federal Highway Administration recommends the following when driving into or in road work zones:

• Pay attention to work zone signs.
• Watch for workers. In 2019, 135 workers were killed in highway work zones.
• Slow down. Speeding can lead to crashes with other vehicles and with field workers. Make sure to obey posted work zone speed limits
• Leave enough space between you and the motorist in front of you.
• Be prepared to stop or slow unexpectedly. Work zone activity often leads to congestion, delays and traffic queues.
• Expect to stop when you see a “Flagger Ahead” sign.
• If stopped or slowed in a traffic queue, consider turning on your flashers to warn traffic coming up behind you if you are last in line.
• Watch for traffic and workers going into or out of the work zone.
• Use caution around large vehicles. Large vehicles have a slower reaction time, so refrain from making sudden lane changes in front of trucks or buses that are trying to slow down.
• Get into the open lane as soon as possible at lane closures.
• Keep everyone safe. Be respectful of workers, fellow drivers and all road users.
• Use alternative routes to avoid work zones whenever feasible.
• Make sure your Business Auto Policy limits of liability are adequate.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your contractor’s general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

There are some 63 million dogs in the U.S. and while they make for great companions and help keep our homes safe from intruders, they can also be a significant liability.

About 4.5 million people suffer dog bites every year, according to the Centers for Disease Control and Prevention. Of that number, about 885,000 need medical care.

The Insurance Information Institute estimates that one out of every three homeowner’s claims is for a dog bite. In 2020, nearly $854 million was paid out in home insurance liability claims that were related to dog bites, according to the institute.

In 2020, there were 16,991 dog bite claims, with the average claim costing $50,245. That’s compared with $44,760 in 2019 and $26,166 in 2010.

As you can see, owning a dog can cost you more than dog food and squeaky toys and, if you are not properly insured, you can end up paying out of pocket for any medical costs for a house guest that your pet attacked.

Liability laws vary from state to state, with 29 states having laws that hold dog owners liable for injuries their pets cause, with some exceptions such as if the animal was provoked.

There are an additional 17 states and the District of Columbia where liability is not automatically granted but attacks are classified as misdemeanors or, in extreme cases, as felonies, with fines. Four states have no laws covering dog bites.

What insurance covers

Most homeowner’s and renter’s insurance policies include dog bite liability coverage. The policy covers you for dog bites on your property as well as incidents that place away from your home. If you took your dog to the beach and he attacked a sunbather, your homeowner’s insurance policy would cover you.

Sometimes people sue and demand compensation for “pain and suffering.” The policy would cover legal costs, judgments or any settlements the lawyers hash out up to the policy limits.

Maximum coverage typically ranges from $100,000 to $300,000 in most homeowner’s policies. You can get additional coverage if you purchase an umbrella policy, which adds to your homeowner’s limits.

An insurance company usually won’t decline to write a policy for a homeowner with a dog, but if you file a claim, the insurer may choose to raise your rates or exclude the dog from the policy upon renewal.

Some insurers will exclude certain breeds from coverage altogether, such as rottweilers, German shepherds and pit bulls.

In case of attack

If your dog bites someone, first restrain the animal and see what damage has been done. Stay calm and be understanding with the victim, who may be traumatized.

If the victim is not seriously hurt, exchange contact and insurance information with them. You may offer to drive them to the emergency room or call 911 in more serious incidents.

When you return home, call your insurance company and report the claim.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We offer the best contractor liability insurance programs for New York contractors, for sure.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

As summer nears many businesses are ramping up hiring of teen workers, with many companies this year taking them on as they deal with the labor shortage as the country emerges from the COVID-19 pandemic. Others employ teens year-round.

Taking on a teen worker comes with added responsibility in terms of compliance with state and federal laws, as well as workplace safety. Each year, 70 teenagers die while working in the U.S., while about 100,000 are injured seriously enough to require emergency room treatment.

Keep in mind there’s a lot that employers can do to prevent injuries to their teen workers, and the measures you take to keep them safe will help protect all your employees. The following are some tips you can follow if you employee teenagers:

1. Workplace safety — Know the law and OSHA workplace safety and health regulations, which are designed to protect all employees, including teens, from injuries. Ensure that all jobs and work areas are free of hazards. The law requires you to provide a safe and healthy workplace. Involve every worker in your Injury and Illness Prevention Program.
2. Train teens to put safety first — Give clear instructions for each task, show them what safety precautions to take and point out possible hazards. Prepare teens for emergencies, accidents, fires and violent situations. Show them escape routes and explain where to go if they need medical treatment.
3. Increased supervision — Teenage workers not yet accustomed to working typically require close supervision, and they may also require more instruction and repetition to learn a task than their adult counterparts.
   Instill good working habits in teen employees by encouraging them to ask questions and always request assistance when necessary. Be patient, even when you find yourself answering the same question more than once.
4. Check your compliance — Make sure teenagers are not assigned work schedules that violate the law, or are given prohibited tasks like operating heavy equipment or using power tools. Also ensure they have their work permits if aged under 18.
   The Department of Labor has strict rules about 14- and 15-year-olds, particularly in terms of hours they are permitted to work. Although there are no specific federal laws restricting the working hours of minors age 16 and 17, you must comply with all state laws that do, as well as any state laws that further restrict the working hours of minors age 14 and 15.
5. Know the law — Make sure also that your supervisors who give teens their job assignments know the law. Encourage supervisors to set a good example, as they are in the best position to influence teen attitudes and work habits.

The takeaway

Your teen employees are the next generation of workers in the U.S. The teenagers you hire develop personal skills that make them more likely to go on to further their education and succeed in life. As you hire these young people, know that you do make a difference.

Educating them about professional standards, workplace health and safety, rights on the job, and how to communicate effectively will shape the workplaces of the future, as well as keep your business running smoothly.

BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group

We are Looking for People Who Want To Be Founders (Part Owners) In Our Up and Coming Multi Billion Dollar I.T. Company.  You Just Need To Be a Nice Person. You Do Not Need To Have any Technical Skills!  We Expect To Generate Monthly Billions in Sales and Share Profits With Our Founders.

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BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.

Special Contractor Insurance Programs (NY, NJ, CT) – We we have 50+ insurance companies to market your general liability, umbrella liability, business auto, workers compensation, bid & performance bonds and group health coverages.  We help contractors set up proper risk transfer.  If you’re a contractor we offer extensive information about insurance markets, coverages, risk transfer, subcontractor screening, ways to lower your insurance costs.

BGES Group are Worker’s Compensation Specialists for the States of New York, New Jersey and Connecticut – Issues we address: 1) Lowering pricing – we have specialty programs that can save you up to 40%; 2) Finding a new company; 3) Replacing policies that are being cancelled or non renewed; 4) Audit disputes; 5) Company creating fictitious payroll at audit time; 6) Lowering high experience modifications factors; 7) Misclassification of payrolls; 8) Lowering or eliminating renewal deposits;   9) Getting coverage when you’ve been without for a few months; 10) Covering multiple states under one policy; 11) Eliminating 10% service or policy fees; 12) Timely issuance of certificates; 13) Always being able to get someone on the phone or by email when you need to.

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

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

e-mail: bgesgroup@gmail.com

website: http://www.bgesgroup.com

© – Copyright – 2021 – BGES Group