Every employer, no matter how small, faces the specter of being sued by a past, present or prospective employee at some time.

In fact, such employment practices claims are widespread – so much so that most businesses are much more likely to have an employment practices liability claim than a general liability or property loss claim.

Nearly three-quarters of all litigation against corporations today involves employment disputes, which can be extremely costly. The cost associated with an employment practices claim can be significant.

In 2022, the Equal Employment Opportunity Commission 73,485 new discrimination charges, which represents an increase of almost 20% when compared to the previous fiscal year. In addition, the EEOC collected more than $513 million in monetary penalties for victims of discrimination and sexual harassment.

The large jump in sexual harassment claims and recoveries is a direct result of a surge in lawsuits since the start of the MeToo# movement, which has emboldened many victims to come forward and file complaints.

Keep in mind, the above are just penalties and do not include defense costs, which can exceed $100,000 per claim for employers.

For these reasons and more, employment practices liability insurance is crucial for any employer. The risks of being sued by an employee for discrimination or harassment have increased substantially, particularly now in the MeToo# era.

Employers need EPLI coverage because comprehensive general liability policies and workers’ comp policies exclude employment-related claims. 

EPLI coverage

Policies cover:

• Defense costs (court fees, attorney fees and related costs).
• Payment of settlements and/or judgments up to the policy’s limits.
• Any fines or penalties levied by government agencies.

EPLI policies cover business owners as well as directors, officers and managers. Some policies also cover employees. Additionally, you can buy third-party policies to cover claims brought by non-employees, such as clients.

Types of action covered include:

• Discrimination based on gender, race, national origin, religion, disability or sexual orientation
• Sexual harassment or other unlawful harassment in the workplace
• Wrongful termination
• Failure to employ or promote
• Retaliation
• Employment-related misrepresentation
• Failure to adopt adequate workplace or employment policies and procedures
• Employment-related defamation or invasion of privacy
• Negligent evaluation of an employee
• Wrongful discipline of an employee
• Employment-related infliction of emotional distress.

NOTE: Wage and hour claims, or disputes regarding overtime pay for non-exempt employees, have become more expensive in recent years, so most EPLI policies exclude this coverage. Business owners may be able to find endorsements to add wage and hour coverage.

Costs

EPLI claims can be extremely expensive. The average cost of a discrimination claim is $125,000, and 25% of judgments exceed $500,000.

Most businesses are wise to have at least $1 million in coverage. However, higher coverage limits increase your premium cost, so you want to balance your coverage needs and your budgetary concerns.

Call us if you want further information or need help in gauging your EPLI coverage needs.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the bustling world of New York construction, liability insurance is a lifeline for contractors. It provides financial protection in the face of accidents, property damage, or lawsuits. However, for New York contractors, there’s more to this story than meets the eye. General and umbrella liability policies come with restrictions when it comes to the coverage and limits required of their subcontractors. Failure to comply with these requirements can lead to the declination of claims, leaving contractors exposed to significant risks.

## The Subcontractor Insurance Conundrum

For New York contractors, subcontractors play a vital role in the construction process. They bring specialized skills and expertise to the table. However, when it comes to liability insurance, things can get tricky. Many subcontractors operate as independent entities, and their insurance coverage may not align with the contractor’s policies.

This discrepancy has led insurance companies to impose strict requirements on subcontractors’ insurance coverage. The goal is to ensure that subcontractors have the necessary protection and liability limits in place. While these requirements are essential, they can sometimes pose challenges for contractors and subcontractors alike.

## Few Exceptions to the Rule

Not all insurance companies have the same stringent requirements for subcontractor insurance. Some take a different approach. These companies recognize the importance of subcontractor compliance and, before insuring a contractor, conduct thorough underwriting to assess their subcontractors’ insurance and hold harmless agreements. They collect executed certificates of insurance from subcontractors to verify that the correct coverage and limits are in place.

These select insurance companies aim to simplify the process for contractors, allowing them to focus on their projects rather than navigating complex insurance requirements. However, such companies are the exception rather than the rule in the New York construction insurance landscape.

## The Soft Hammer Clauses

To ensure subcontractor compliance, some insurance companies include what are known as “soft hammer clauses” in their policies. These clauses act as a gentle nudge, encouraging subcontractors to maintain the proper coverage and limits. If subcontractors fail to do so, the insurance company may respond by charging them higher rates or imposing a substantial deductible.

While soft hammer clauses offer some flexibility, they are still a reminder of the importance of adhering to insurance requirements. Contractors must carefully evaluate the impact of these clauses on their projects and subcontractor relationships.

## The Hard Hammer Clause

In contrast to soft hammer clauses, the “hard hammer clause” takes a more uncompromising stance. When a subcontractor fails to carry the required coverage and limits under the insurance policy contract, there is no coverage in the event the subcontractor causes an accident, and the general contractor is sued. This puts the contractor in a precarious position, as they may find themselves personally liable for damages and legal costs.

The presence of a hard hammer clause serves as a stark reminder of the critical nature of subcontractor compliance. Contractors must rigorously assess their subcontractors’ insurance and ensure they meet the necessary criteria to avoid such dire consequences.

## The Solution: BGES Group

Navigating the complex landscape of subcontractor insurance requirements in New York can be a daunting task for contractors. This is where the BGES Group steps in as New York construction insurance experts. With access to a network of 50 contractor insurance companies, they are uniquely positioned to assist contractors in finding the right insurance solutions.

One of the standout features of BGES Group is their ability to help contractors screen their subcontractors effectively. They understand the importance of subcontractor compliance and have aligned themselves with companies that offer specialized services in this area. BGES Group provides boutique-type services, such as quick responses to emails and texts, quick issuance of certificates, and, perhaps most importantly, answering the phone when contractors need their assistance.

In a world where subcontractor insurance requirements can make or break a construction project, having a knowledgeable partner like BGES Group can make all the difference. They empower contractors to navigate the insurance landscape with confidence, ensuring that their projects are not only successful but also adequately protected.

In conclusion, the world of liability insurance for New York contractors is a complex one, especially when it comes to subcontractor compliance. While some insurance companies offer more flexibility, others employ soft and hard hammer clauses to enforce compliance. Contractors must be diligent in their efforts to ensure subcontractors meet the required coverage and limits. The BGES Group stands as a beacon of support in this challenging landscape, providing expert guidance and personalized services to help contractors secure the protection they need. In the high-stakes world of New York construction, having the right insurance partner can make all the difference.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the bustling world of business, there are few challenges more daunting than managing workers’ compensation policies. Tri-state employers, particularly those in industries like auto services, construction (especially in New York), limousine services, moving and storage agents, and trucking, often find themselves grappling with issues ranging from high rates to poor loss experience, coverage cancellations, and elusive customer service. This is where BGES Group steps in as the ultimate solution for those looking to secure a new workers’ compensation policy or improve their existing one.

### Tailored Programs for Diverse Industries

BGES Group recognizes the unique needs of various industries. That’s why they offer specialized programs designed to cater to businesses operating in:

1. **Auto Services:** Whether you run a repair shop or a car dealership, BGES Group understands the complexities of the auto service industry.

2. **Construction (Especially in New York):** The construction sector faces specific challenges, especially in a complex regulatory environment like New York. BGES Group has the expertise to navigate this terrain.

3. **Limousine Services:** Limousine companies require tailored insurance solutions to address the unique risks associated with luxury transportation. BGES Group has you covered.

4. **Moving and Storage Agents:** Businesses in the moving and storage industry often need comprehensive coverage due to the potential for property damage and injury. BGES Group can help you find the right policy.

5. **Truckers:** Long-haul trucking companies require specialized workers’ compensation solutions due to the nature of their operations. BGES Group understands the intricacies of this industry.

### Resolving Common Issues

BGES Group isn’t just about offering industry-specific solutions; they’re here to help you address common pain points you may be facing:

1. **High Rates:** If you’re burdened with exorbitant workers’ compensation rates, BGES Group can assist in finding more cost-effective options.

2. **Poor Loss Experience:** Managing claims can be challenging. BGES Group can help you improve your loss experience.

3. **Coverage Cancellations:** Facing policy cancellations? BGES Group can help you secure reliable coverage.

4. **Audit Hassles:** Dealing with difficult audits from your insurance company? BGES Group can assist in making the process smoother.

5. **No Coverage:** If you find yourself without coverage, BGES Group can swiftly help you rectify this situation.

6. **Flexible Payment Plans:** BGES Group can provide payment plans that align with your business’s cash flow, allowing you to pay less during slow periods and more when business is booming.

7. **Multi-State Coverage:** For companies operating in multiple states, navigating workers’ compensation regulations can be challenging. BGES Group simplifies this process.

8. **Prompt Certificate Issuance:** BGES Group ensures that you receive certificates promptly to meet your business needs.

9. **Responsive Customer Service:** Tired of dealing with automated systems and long wait times? BGES Group offers the personal touch you crave, with quick responses to emails, texts, and phone calls.

10. **Confidence in Expertise:** If you lack confidence in your current agency’s expertise, BGES Group’s specialists can provide the knowledge and guidance you need.

### The BGES Group Difference

What sets BGES Group apart is its commitment to providing exceptional service in the tri-state region. Unlike large, impersonal insurance conglomerates, BGES Group operates like a mom-and-pop boutique agency, offering personalized attention and guidance. When you choose BGES Group, you’re not just a policy number; you’re a valued client.

If you’re ready to take control of your workers’ compensation insurance policy and experience the difference that a dedicated, customer-centric agency can make, contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com. BGES Group is your trusted partner in navigating the complexities of workers’ comp, ensuring that you receive the coverage you need at rates that make sense for your business.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In a world where the construction industry faces ever-increasing challenges and uncertainties, New York Contractors need more than just the right tools and skills to thrive. They need a partner who understands their unique insurance needs, one who can navigate the complex landscape of policies and regulations to ensure their business stays protected. That partner is BGES Group, and here’s why you should consider working with them on your next renewal policies.

**One-Stop Shopping for All Your Business Insurance Needs**

BGES Group offers New York Contractors something invaluable: one-stop shopping for all their business insurance needs. In an industry where time is money, the convenience of having all your insurance policies in one place can’t be overstated. Whether it’s general liability, umbrella liability, or workers’ compensation, BGES Group has you covered.

**Access to the Best Contractor Insurance Programs**

BGES Group represents all the best contractor insurance programs available for New York contractors. With a vast network of 50 insurance companies to market contractor accounts to, they can offer a range of options tailored to your specific needs. This extensive network ensures that you have access to the most competitive rates and policies in the market.

**Savings on Policy and Service Fees**

One of the most significant advantages of working with BGES Group is their ability to cut out unnecessary premium costs, policy and service fees. In an industry rife with hidden costs, this can save contractors thousands of dollars that they should never have to pay in the first place. It’s all about ensuring that every dollar spent on insurance goes towards actual coverage and protection.  BGES Group, because construction insurance is their specialty, knows the in and outs of getting you great coverage and competitive rates!

**22 Years of Specializing in Insuring Contractors**

When it comes to insuring contractors, experience matters. BGES Group has been the go-to choice for contractors for the past 22 years. The owner, Gary Wallach, has been servicing contractor’s insurance needs since 1981. This deep well of knowledge and expertise is what sets BGES Group apart in understanding the unique challenges and risks contractors face in their line of work.

**Tailored Insurance Programs Designed for Contractors**

As construction insurance specialists, BGES Group knows precisely what to look for when designing a contractor’s business insurance program. The three largest cost components for contractors – general liability, umbrella liability, and workers’ compensation – are areas where BGES Group excels. Their specialization allows them to secure excellent coverage at highly competitive prices, ensuring that contractors get the protection they need without breaking the bank.

**Personalized, Prompt, and Reliable Customer Service**

In an era where insurance agencies have grown too large to provide personalized service, BGES Group stands out. When you call BGES Group, you get the same person on the phone every time. Emails and texts are responded to immediately, and there’s no turnover in customer service personnel. You work with a dedicated expert who knows your account inside and out, ensuring a seamless and efficient experience. Plus, BGES Group’s commitment to efficiency means that certificates are typically issued in minutes, not days.

**Innovative Workers’ Comp Solutions for Tri-State Contractors**

If you’re a tri-state contractor unhappy with your workers’ comp company, rates, or audits, BGES Group has solutions. They can offer several new options, from policies that start at as little as $200 to comprehensive programs that provide payroll services, workers’ compensation, and group health coverages. BGES Group partners with 10 health insurance companies to give you access to options you wouldn’t typically have, ensuring that your workforce stays healthy and protected.

**Don’t Wait – Get a Backup Quote Today**

The future is uncertain, and the last thing New York Contractors need is uncertainty about their insurance coverage. Protect yourself against another round of general liability, umbrella liability, and workers’ comp rate increases for the 2023/2024 policy years. Contact BGES Group and Gary Wallach today by calling 914-806-5853 or emailing bgesgroup@gmail.com to get a backup quote for your upcoming renewals. Don’t leave your business’s future to chance – trust the experts at BGES Group to keep you covered.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the bustling world of New York construction, contractors face a myriad of challenges daily. One challenge that looms large is the need for comprehensive general and umbrella liability insurance. As these policies come up for renewal, contractors are often left wondering how they can secure better coverage and rates. That’s where BGES Group steps in. With a rich history of serving New York contractors, BGES Group offers a range of specialized contractor insurance programs and personalized service that sets them apart from the competition.

### Specialized Programs Tailored for You

One of the standout features of BGES Group offers several specialized construction insurance programs for contractor liability insurance quotes that most other agencies do not have access to. What sets these programs apart is that many of them their pricing and coverage are better than what most other insurance companies are offering. While other insurance agencies may provide general liability coverage, BGES Group goes the extra mile by offering tailored programs that cater specifically to the unique needs of New York contractors.

These specialized programs cover various aspects of contractor liability, ensuring that contractors have access to the most relevant and effective coverage options. Whether you specialize in construction, asbestos, restoration, roofing, plumbing, or any other trade, BGES Group’s specialized programs can provide you with the coverage you need to protect your business and assets.

### A Network of the Best Insurance Companies

BGES Group prides itself on its extensive network of insurance companies. With a network of over 50 insurance providers, they can tap into a wide range of options to find the best coverage and rates for New York contractors. This vast network ensures that contractors have access to the most competitive policies available in the market.

### A Boutique Agency That Puts You First

In a world where many insurance agencies have grown too large to provide personalized service, BGES Group operates as a boutique agency that prioritizes the needs of its clients. Unlike larger agencies that struggle with employee turnover and poorly trained staff, BGES Group offers a level of customer service that’s second to none.

When you reach out to BGES Group, you won’t encounter the frustration of automated phone systems or unresponsive emails. They answer your calls promptly, respond to your emails and texts without delay, and issue certificates of insurance within minutes. Whether it’s day or evening, BGES Group is there to provide the support and assistance that contractors need.

### Transparent Pricing with No Excessive Fees

One common complaint among contractors is the excessive policy and service fees charged by some insurance agencies. BGES Group stands apart by offering transparent pricing without crazy fees. While some agencies add on fees to each policy ranging from $1,000 to $5,000, BGES Group believes that such practices are driven by greed and do not serve the best interests of their clients. With BGES Group, you can trust that your insurance costs will be fair and reasonable.

### Comprehensive Services Beyond Insurance

BGES Group doesn’t stop at providing insurance coverage. They offer a range of additional services to support New York contractors in various aspects of their business:

– **Contract Review:** BGES Group can help you navigate complex insurance provisions in contracts, ensuring that you understand your liabilities and obligations. This can prevent costly legal disputes down the road.

– **Subcontractor Screening:** Managing subcontractors can be challenging, but BGES Group can assist you in verifying the insurance coverage of your subcontractors, reducing your exposure to risk.

– **Workers Compensation Assistance:** If you’re dissatisfied with your workers’ compensation insurance rates, company, or audit process, BGES Group can help you secure a better workers comp plans that meets your needs.

### A Reputation Backed by Rave Reviews

Like a trusted friend referring someone for business, BGES Group’s reputation speaks for itself. With an impressive 93 5-star Google Reviews, they are one of the most highly regarded insurance agencies in New York. These reviews attest to the exceptional service and value they provide to their clients.

### Contact BGES Group Today

When it comes to securing better coverage and rates for your general and umbrella liability insurance, BGES Group is the name to trust. Reach out to Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to discuss your insurance needs and experience the personalized service and expertise that sets BGES Group apart. Don’t settle for less when you can have the best in the business on your side.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the bustling world of New York’s construction industry, contractors face a multitude of challenges. From project deadlines to safety concerns, the last thing they need is the added complexity of navigating insurance. That’s where BGES Group comes in – a trusted partner dedicated to helping New York contractors secure the right coverage for their unique needs.

### Simplifying Insurance with BGES Group

At BGES Group, we understand the intricacies of the construction business, and our mission is to make insurance straightforward for contractors. Here’s how we can assist you with your business insurance needs:

### Builders Risk Insurance

Builders Risk Insurance is essential for protecting construction projects during their development. BGES Group has connections with 10 reputable insurance companies, allowing us to shop the market on your behalf. We’ll help you find the best coverage to safeguard your projects against unexpected events, ensuring your peace of mind.

### General Liability Insurance

General Liability Insurance is crucial to protect contractors from third-party claims of property damage or bodily injury. Our extensive network of 50 insurance companies gives us the advantage to find the most suitable coverage options for your business. As specialists in the construction field, we’re experts at securing better coverage than traditional agents because it’s our focus.

### Umbrella Liability Insurance

For an extra layer of protection, Umbrella Liability Insurance is a wise choice. BGES Group has access to 10 insurance companies, including unique markets not readily available elsewhere. If you’re unhappy with your current pricing or coverage, let us gather competitive quotes to improve your situation.

### Workers Compensation Insurance

Workers Compensation Insurance is essential for taking care of your employees and complying with New York regulations. BGES Group works with 15 insurance companies, enabling us to find better rates, address audit issues, and enhance your overall insurance experience.

### Business Auto Insurance

Don’t overlook the importance of insuring your company vehicles. BGES Group collaborates with 10 insurance companies to find the ideal business auto insurance for your needs, ensuring that your fleet stays protected.

### Beyond Insurance: BGES Group’s Additional Services

BGES Group offers more than just insurance solutions. We’re here to support your business in various ways:

1. **Contract Reviews**: Ensure that your contracts align with your insurance needs and protect your interests.

2. **Screening Subcontractors Insurance**: We’ll help you assess the insurance coverage of subcontractors to mitigate potential risks.

3. **Creating Formal Safety Manuals**: Safety is paramount in construction. We can assist in developing comprehensive safety manuals for your projects.

4. **Creating Insurance and Hold Harmless Agreements**: Drafting agreements that protect your business and partners.

### Personalized Service

We pride ourselves on providing a personal touch that’s often missing in the insurance industry. At BGES Group, we operate like a small, family-owned business. When you call, your phone call is answered, and we know you by your first name. Your account is important to us, and you won’t experience office turnover that leaves you dealing with different representatives every few months.

We respond to emails promptly, and certificate processing is immediate. Our commitment is to assist you whenever you contact us, and we adapt to your schedule, not the other way around. Whether you need help after 7 pm or during regular business hours, BGES Group is here for you.

### Contact BGES Group Today

When it comes to your business insurance needs as a New York contractor, BGES Group is your dedicated partner. Let us simplify the insurance process, find cost-effective solutions, and provide the personal service you deserve.

Contact Gary Wallach at 914-806-5853 or email bgesgroup@gmail.com to get the assistance you need. We’re here to make your insurance experience hassle-free and effective, so you can focus on what you do best – building New York’s future.

While cyber threats grow and the cyber insurance market evolves, insurers are regularly adjusting their policy terms and conditions in response to new threats and exposure.

Carriers have amassed nearly a decade’s worth of data and are getting more stringent about underwriting and demanding that policyholders do their share by implementing best practices aimed at preventing cyber attacks and reducing their impacts.

They have also been adding more exclusions to policies, according to a new report by Delinea. The report is a sobering reminder that business owners need to carefully read their policies. The access-management software firm notes that:

• All respondents to its survey had at least one exclusion in their policy that would void coverage.
• All respondents had at least one attack-related expense that wouldn’t be paid for by cyber insurance.
• Businesses should create a “rainy day” fund to pay for situations that won’t be covered by their cyber insurance. The report notes that the average cost of a data breach in 2023 exceeds $4 million.

Exclusions to watch out for

Obviously, the crucial question is: What are the most common exclusions in cyber insurance policies?

Missing security protocols — Insurers require businesses to have certain security protocols in place, such as keeping software and systems updated with the latest versions and security patches, regularly training staff on cyber security and using certain security controls.

Internal threats — Acts by employees, like hacking, cyber extortion, data theft and other illegal or unauthorized activities, are typically excluded.

Human error — If an incident is caused or worsened by a mistake, like misconfiguring or failing to address known vulnerabilities, a cyber claim may be denied as the insurer could argue that the event could have been prevented or mitigated.

Act of war or terrorism — While many cyber insurance policies have these exclusions, courts have increasingly pushed back on them as a pretext for denying a claim after a cyber attack. Often it’s difficult for the carrier to prove it was an act of terrorism or war.

Out of compliance — Misrepresentations or nondisclosure of material information on a cyber insurance application may cause the insurer to deny coverage.

Failure to report an event in a timely fashion — If you fail to inform your cyber insurer of an event within the timeframe specified in the policy, or if you provide incomplete information, the company may deny the claim.

The takeaway

If your firm is hit by a cyber attack, you’ll be doing most of the heavy lifting and you’ll be dealt many expenses to get back to normal.

Respondents to the Delinea poll said that their cyber insurance policies were most likely to cover expenses related to data recovery, although insurers’ definition of that term vary depending on the circumstances.

“For example, say an attacker is holding your data for ransom. Some insurance companies may say they want to make the decision whether to pay the ransom to recover your data (regardless of your preference),” the report states.

The key is to understand your policy’s coverage and have protocols in place to reduce the chances of an excluded event taking place.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

We’ve often discussed the scourge of distracted driving in America, brought on in large part due to the use of smartphones and leading to a significant spike in vehicle accidents, injuries and deaths. That in turn has led to a jump in both commercial and personal auto insurance pricing.

The risk for businesses is even greater as a careless driving employee can result in a substantial liability claim, particularly if a third party is injured. If one of your drivers is found to have been engaged in distracted driving, any judgment or settlement for a personal injury could easily cost more than $1 million.

While you can hold meetings about the dangers of distracted driving and what your driving employees can do to reduce the chances of crashing, in the end it comes down to trusting that they will do the right thing.

So what can you do? We suggest a holistic approach to the issue.

1. Understand distracted driving

Just how bad is the distracted driving problem? In 2015 alone, 3,477 people were killed and 391,000 were injured in motor vehicle crashes involving distracted drivers. During daylight hours, an estimated 660,000 drivers are using cell phones while driving. That creates enormous potential for deaths and injuries on U.S. roads.

But smartphones are not the only source of distraction. Road safety experts say there are three types of distraction for drivers:

• Manual – This can include looking around for a lost object in the car, reaching under the seat or behind to the back seat.
• Cognitive – This can include a driver who is lost in thought and not paying full attention to driving.
• Visual – Anything that makes a driver takes their eyes off the road, like looking at the GPS or searching for a song on an iPod.

Some distractions actually are a combination of two or all the above, like texting or posting stuff on Facebook.

All of your training for your driving employees must emphasize the need to address all types of distracted driving, and should include scenarios to help them make proper decisions when behind the wheel.

2. Hire good drivers

When hiring personnel who drive, consider what their primary responsibility is. For example, if you own a plumbing operation, your drivers are not necessarily going to be professional drivers, since their primary duty is fixing plumbing issues.

But if you are hiring any workers who will be driving as part of their job, even if it’s not their primary responsibility, you should still make sure they are good drivers by checking their driving records.

Hiring safe drivers is one of the best ways for you to ensure you are putting safe drivers behind the wheel. After all, past driving behavior is the best indication of future performance.

If you think any prospect will be driving as part of their job, you should pull their DMV records. Look for anything serious like DUIs or frequent citations for moving violations. You should decide what your level of tolerance is for driving histories.

In addition, check their resumes to see whether they were driving as part of any of their prior jobs, and if they have experience driving the same type of vehicle they would be driving for you.

Also ask about any medications the applicant may be taking, as some can affect their driving.

Finally, consider requiring candidates that would be driving to take a road test as part of the recruitment process.

3. Coach current employees to be safe drivers

You should hold regular training for all of your current employees that may drive as part of their job, even if they are only running to the office supply store or on an occasional errand.

You should attack this in a three-pronged approach:

• Pull their DMV driving records annually.
• Subject them to road tests where they are graded on their safe driving.
• Hold an annual meeting to go over safe driving policies; reinforce the dangers of distracted driving and stress the need to always focus on the task at hand.

You should also have safe driving policies in writing that are enforceable. Your policies should list all the behaviors your workers are prohibited from engaging in while driving.

Some rules you can include:

• Never answer the phone while driving, even if you have a hands-free device.
• Bar programming a GPS while on the move and require that they pull over when safe to do so.
• Never hold your smartphone in your hand while driving.

Your policy should also specify the consequences and any disciplinary action for breaking the rules.

You should maintain records of these policies. This is of utmost importance if one of your employees is in an accident and accused of negligence. Your policy and proof of training can protect your organization.

4. Take advantage of technology

Many companies are installing GPS tracking devices in their vehicles so they can receive real-time information about a vehicle’s location and rate of speed. This gives you valuable insight into any dangerous habits your drivers may be engaging in.

You can also install technologies that will block cell phone signals while the vehicle is moving.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

Workers’ compensation programs are a vital safety net for both employees and employers, providing financial protection in the event of work-related injuries or illnesses. As a business owner in New York, New Jersey, or Connecticut, selecting the right workers’ compensation plan can be a challenging task. In this article, we’ll explore four types of workers’ compensation programs: Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans. We’ll also introduce BGES Group, a reliable partner that simplifies the process and offers one-stop shopping for all your coverage needs.

1. Guaranteed Cost Workers’ Compensation Program

The Guaranteed Cost workers’ compensation program is a popular choice for many business owners. This plan provides predictable premium costs, allowing you to budget with confidence. With Guaranteed Cost, your premium is calculated based on your company’s payroll and industry risk factors. This stable model ensures that your costs won’t fluctuate due to claim frequency or severity.

2. Payroll/Workers Compensation Program

Payroll/Workers Compensation programs combine payroll services with workers’ compensation insurance, streamlining the administrative process. By integrating these services, business owners can save time and effort while maintaining compliance with state regulations. This type of plan is particularly beneficial for small to medium-sized enterprises that prefer a hassle-free approach to managing payroll and insurance.

3. Professional Employer Organization (PEO)

PEOs are a unique solution for business owners who want to outsource their HR and employee management functions. When you partner with a PEO, they become the employer of record for your staff, handling payroll, benefits, and workers’ compensation on your behalf. This arrangement not only simplifies administrative tasks but also grants access to cost-effective insurance plans, leveraging the PEO’s larger pool of employees.

4. State Plans

State Type Plans are government-operated workers’ compensation programs designed to ensure coverage for businesses that may have difficulty obtaining insurance through traditional channels. These plans vary by state, but they generally offer benefits similar to private insurance options. They can be a viable choice for business owners in specific industries or with unique risk profiles.

Why Choose BGES Group?

BGES Group is your trusted partner in navigating the complex world of workers’ compensation programs. With extensive experience in serving businesses in New York, New Jersey, and Connecticut, BGES Group understands the unique needs and challenges faced by local entrepreneurs.

One-Stop Shopping

One of the standout advantages of working with BGES Group is their commitment to providing comprehensive coverage solutions. Whether you’re a contractor, logistics company, auto service, limousine service, manufacturer, or any other type of business owner, BGES Group offers tailored plans to suit your specific requirements.

Representing the Best Plans

BGES Group has established relationships with leading insurance providers and represents the best workers’ compensation plans available. This means that when you work with BGES Group, you gain access to a diverse range of options, each designed to meet the needs of different industries and business sizes.

Expert Guidance

Choosing the right workers’ compensation program can be overwhelming, but BGES Group simplifies the process. Their team of knowledgeable professionals will guide you through the selection process, helping you understand the nuances of each plan and selecting the best fit for your business.

Workers’ compensation is a critical component of your business’s success and the well-being of your employees. Understanding the different types of workers’ compensation programs available – Guaranteed Cost, Payroll/Workers Compensation, Professional Employer Organization (PEO), and State Type Plans – is essential in making the right decision.

BGES Group stands out as a reliable partner for New York, New Jersey, and Connecticut business owners seeking the best workers’ compensation plan. Their commitment to one-stop shopping, representing the best plans, and providing expert guidance ensures that you can focus on what you do best – running your business – while knowing you and your employees are well protected.

So why wait? Reach out to BGES Group today (for immediate help call Gary Wallach at 914-806-5853 – he is available Monday thru Sunday 6:30am till 10PM) and secure the ideal workers’ compensation plan for your business. With their support, you can rest assured that you’re making a sound and informed decision for the future of your company and your valued employees.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU!

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group

In the bustling construction industry of New York, where skyscrapers reach for the clouds and projects seem never-ending, contractors face numerous challenges. One essential aspect often overlooked is liability insurance. Understanding the ins and outs of New York contractors liability insurance, especially when it comes to coverage for subcontractors, can make or break your business’s financial security.

Coverage for Subcontractors:

Subcontractors are a vital part of most construction projects. However, relying on them without proper insurance coverage can expose your business to substantial risks. To safeguard against this, insurance liability companies often attach specific requirements to ensure subcontractors carry minimum liability limits and certain coverages. Failure of  subs to carry what your insurance company requires may cause denial of a claim.

The Consequences of Inadequate Coverage: In the construction world, accidents can happen despite the strictest safety measures. In the event of an incident due to a subcontractor’s negligence, having inadequate coverage can be devastating. This is where these insurance clauses come into play.

1. Standard Independent Coverage: Some liability policies offer standard independent coverage, which is the most lenient form of protection. This means that if a subcontractor fails to meet the minimum coverage requirements, the contractor is still covered, but there may be some financial repercussions.

2. Soft Hammer Independent Contractors Clauses: Others have what is known as soft hammer independent contractors clauses. In this scenario, if a subcontractor doesn’t meet the specified coverage and limits, the contractor is still covered, but they could be responsible for paying a sizable deductible and may face higher insurance premiums as a result.

3. Hard Hammer Independent Contractor Clause: The most restrictive of all is the hard hammer independent contractor clause. In this case, if a subcontractor fails to carry the minimum coverage requirements, there will be no coverage in the event of a claim. This can put a significant financial burden on the contractor and jeopardize the entire project.

Navigating the Complex World of Liability Insurance: With so much at stake, New York contractors need a trusted partner to navigate the intricate web of liability insurance. This is where the BGES Group steps in to provide essential support and guidance.

How BGES Group Can Help: The BGES Group specializes in assisting New York contractors in managing their insurance needs effectively. We offer programs designed to help screen subcontractor insurance to ensure they meet the necessary requirements, thereby minimizing risks for your business.

Our team of experts understands the unique challenges faced by contractors in the New York construction industry. We can help you decipher the complexities of liability insurance, ensuring that both you and your subcontractors are adequately protected.

In conclusion, New York contractors liability insurance is a crucial aspect of safeguarding your business in the construction industry. Understanding the varying degrees of coverage for subcontractors and the associated clauses is essential for making informed decisions. Whether your policy has a standard independent coverage clause (which almost none do), a soft hammer clause, or hard hammer clause, the key is to ensure that your subcontractors meet the minimum coverage requirements to avoid potential financial disasters. With the assistance of the BGES Group, you can confidently navigate the insurance landscape, protecting your business and securing its future in the dynamic world of New York construction.

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.

BGES Group, located in Larchmont, N.Y. are New York Construction Insurance Specialists that represent 50+ companies and all the BEST general & umbrella liability programs!  We offer every coverage you need including property, builders risk, inland marine, general liability, umbrella liability, auto, bid & performance bonds, workers’ compensation, N.Y.S. disability and group health.  We are extremely responsive, responsible, trustworthy, fast, minimize your insurance headaches, we don’t charge ridiculous policy or service fees and when you call, text or email, whatever time of day, even weekends, we are ARE THERE to help YOU! 

BGES Group are Workers’ Compensation Insurance Specialists for Tri-State Business Owners: Unhappy with your rates, company, being cancelled, losses causing difficulty getting coverage, in the middle of an audit dispute, payrolls misclassified, whatever your issue, we can help!  We have special programs for: Auto Service, Contractors (especially New York), Limousine Services, Logistic Companies, Manufacturers, Recyclers, Truckers, we can help ANY tri-state business owner.  We are considered “Preferred Agents” for this one program that if we can get you in, their pricing is excellent, offers long-term coverage stability and can cover multi-state operations. Program takes the hassle out of doing annual audits too.

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 – 2023 – BGES Group